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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).
In 1978, Congress passed the Full Employment and Balanced Growth Act, better known as the Humphrey-Hawkins Act, which amended the Employment Act of 1946 and was signed into law by President Carter.The Humphrey-Hawkins Act specified explicit unemployment and inflation goals.arlier versions of the bill came quite close to stating that all Americans had a right to a job, just as the Full Employment Bill of 1945 had (Santoni 1986). Endnotes1 Employment Act of 1946, Pub. L. 79-304, ch.