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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).
View Comments Print. Congress, virtually at the last minute and unnoted by the press, finally passed the Critical Infrastructure Protection Act (CIPA) â arguably the single most important piece of legislation approved by Congress in 2016 â by inserting it into the National Defense Authorization Act.