Fair Lending Laws
During the 60s and 70s, Congress passed several laws to ensure fair and equitable access to credit for individuals and communities. These laws include the Fair Housing Act, or FHA, of 1968, the Equal Credit Opportunity Act, or ECOA, of 1974, the Home Mortgage Disclosure Act, or HMDA, of 1975, and the Community Reinvestment Act, or CRA, of 1977. In this program, we're going to talk about the two laws, in particular, that are the fair lending laws (FLLs). We’ll go over what and who they apply to, and what lenders need to do in order to stay compliant. Keep in mind, we aren't lawyers and are not giving legal advice. This course is simply a review of these laws.
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