Credit Discrimination: 10.1 Introduction
Previous chapters have focused on the ways in which the Equal Credit Opportunity Act (ECOA) and other federal credit discrimination statutes may be used to challenge discriminatory creditor behavior. The ECOA and its implementing Regulation B apply more broadly. Creditors may violate the ECOA and Regulation B not only by engaging in discriminatory actions but also by violating any of a number of procedural requirements intended to ensure compliance.