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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).
Meanwhile, Congress passed the 1972 Equal Employment Opportunity Act and a federal equal rights amendment, the latter of which was ratified by the Texas legislature in a special session in March 1972. Texas voters endorsed the state equal rights amendment in November 1972.