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1.2.6 Source Materials Found in This Treatise

This treatise contains the basic source materials for a credit discrimination case. Appendix A, infra, contains the relevant federal statutes. Appendix B, infra, contains the Consumer Financial Protection Bureau’s (formerly the Federal Reserve Board’s) Regulation B, which implements the ECOA and has the force of law. Appendix C, infra, contains the CFPB’s (formerly the FRB’s) official interpretations of Regulation B.

Appendix D, infra, contains important excerpts from HUD’s fair housing regulations. Appendix E, infra, contains selected provisions of the Home Mortgage Disclosure Act (HMDA), the CFPB’s (formerly the FRB’s) Regulation C, which implements the Act, and the CFPB’s (formerly the FRB’s) official interpretations of Regulation C. Appendix F, infra, summarizes state discrimination laws; practitioners should supplement their use of this appendix by consulting their own state statutes to find any recent amendments and in order to make a careful study of the law.

Other appendices include sample complaints (Appendix G, infra), discovery materials (Appendix H, infra), client handouts about credit discrimination laws (Appendix I, infra), a bibliography of social science research on credit discrimination issues (Appendix J, infra), and a list of useful credit discrimination weblinks (Appendix K, infra).

The digital version of this treatise also includes pleadings and discovery, practice tools, and primary sources. They are listed at the bottom of the table of contents found in the left pane and are fully searchable. Search filters allow users to search only for pleadings, only for primary sources, or only for practice tools. Searching for pleadings is recommended using the Advanced Pleadings Search tool, found above the Search box.

Pleadings include complaints, requests for injunctions, various forms of discovery, pre-trial motions, expert reports, jury instructions, appellate briefs, and other documents, and are generally found in Word format. Primary sources include supplementary information for Regulation B changes, consent judgments from credit discrimination cases brought by government agencies, and selected sections of other relevant federal statutes and accompanying regulations (the Community Reinvestment Act and the Americans with Disabilities Act).

Many unreported cases are cited as being available at www.nclc.org/unreported. Certain older unreported documents are cited in this treatise using a “Clearinghouse” number, assigned by the Sargent Shriver National Center on Poverty Law (formerly the National Clearinghouse for Legal Services).