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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).
Formerly codified as 15 U.S.C section 703, the National Industrial Recovery Act (NIRA) was enacted in June of 1933 as part of President Franklin D. Rooseveltâs New Deal program. The Act was formally implemented by the Public Works Administration and the National Recovery Administration (NRA).ackground of the National Industrial Recovery Act of 1933: The United States, through a series of poor banking practices and inept consumer investment strategies, fell victim to the Great Depression during October of 1929.