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The Equal Credit Opportunity Act often referred to as ECOA is a federal law that forbids lenders from discriminating against loan applicants based on gender, race, marital status, religion, national origin, age, or receipt of public assistance.

Prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program.

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