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7 It was in this context that Congress passed the Equal Credit Opportunity Act in 1974, prohibiting discrimination based on sex and marital status, and subsequently amended it in 1976 3 For a more detailed discussion of modern credit scoring models, see Mester (1997).
Congress passed the American Recovery and Reinvestment Act on February 17, 2009. President Obama signed the act into law four days later.ongress passed the American Recovery and Reinvestment Act on February 17, 2009. President Obama signed the act into law four days later.