What is credit discrimination? The Equal Credit Opportunity Act makes it illegal for a creditor to discriminate in any aspect of credit transaction based on certain  The Equal Credit Opportunity Act (ECOA) is a United States law (codified at 15 U.S.C. § 1691 et seq.), enacted in 1974, that makes it unlawful for any creditor to   The amendments made by the Equal Credit Opportunity Act Amendments of 1976 [enacting section 1691f of this title, amending this section and sections 1691b, 

Your Equal Credit Opportunity Rights | Consumer Information

The Equal Credit Opportunity Act (ECOA), which is implemented by under the Consumer Credit Protection Act.” The ECOA has two principal theories of liability