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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).
Note: Efforts to redress the situation of inequality, such as the civil rights movement and the women's movement, have resulted in legislation such as the Civil Rights Act of 1964, in affirmative action, and in the creation of the Equal Employment Opportunity Commission.