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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).
Legislative History of Major FERPA Provisions. The Family Educational Rights and Privacy Act of 1974 (FERPA), Â§ 513 of P.L. 93-380 (The Education Amendments of 1974), was signed into law by President Ford on August 21, 1974, with an effective date of November 19, 1974, 90 days after enactment.