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Equal Credit Opportunity Act, 15 U.S.C. 1691

Equal Credit Opportunity Act, 15 U.S.C. 1691 (1974, as amended). Prohibits discrimination in any aspect of a credit transaction on the basis of race, color, religion, national origin, sex, marital status, or age. Does not contain effects-based language.

Custody docket

Record
ecoa-15-usc-1691
Type
archive
Trust tier
A
Status
published

Sources are graded A (primary) / B (secondary academic) / C (secondary journalism) / D (tertiary or contested). See the manifesto’s Evidence Standard for full criteria.

The Equal Credit Opportunity Act. Section 701(a)(1) makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of protected characteristics. The operative verb is “discriminate” with no effects-based modifier. Enacted 1974. Implemented by Regulation B (12 CFR Part 1002).

Provenance

Creator
United States Congress
Published
1974
Accessed
2026-07-09

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