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Highlight Updates 1996 Amendments

In 1996, the ECOA was amended as part of the Omnibus Consolidated Appropriations Act of 1996.48 Incentives for self-testing and self-correcting were added, providing that reports or results of self-tests are privileged information under specified conditions. The FRB (in consultation with HUD) promulgated regulations dealing with these issues effective January 1998.49


  • 48 Pub. L. No. 104-208, 110 Stat. 3009 (1996).

  • 49 Final regulations were published in 62 Fed. Reg. 66,412 (Dec. 18, 1997).