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Glossary and terms about credit cardsHome » Credit Card Glossary
Equal Credit Opportunity Act (ECOA)
The Equal Credit Opportunity Act (ECOA) is designed to ensure that all qualified people have access to credit.
It forbids lenders from rejecting credit applicants on the basis of race, gender, marital status, age, or national origin and requires lenders to consider public assistance in the same light as other forms of income.
The Equal Credit Opportunity Act of 1974 is a federal law requiring creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status or receipt of income from public assistance programs.