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The Consumer Financial Protection Bureau (Bureau) is issuing a final rule implementing an. amendment to the Equal Credit Opportunity Act (ECOA) regarding furnishing copies of. appraisals and other written valuations to applicants for first lien loans secured by a dwelling. The rule will become effective on January 18, 2014. BACKGROUND.
The regulation also excepts certain types of credit (such as securities. credit) from some requirements, and provides model forms for optional use by creditors. When enacted in 1974, the ECOA prohibited discrimination on the basis of. marital status and sex.