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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.
Equal Credit Opportunity Act (ECOA) - Regulation B. Equal Credit Opportunity Act and Regulation B. Summary. The Equal Credit Opportunity Act (ECOA) was added to the federal Consumer Credit Protection Act in 1974. The ECOA is codified at Title 15 U.S.C. Â§ 1691 et seq. and is implemented by rules promulgated by the Federal Reserve Board at 12 C.F.R. Part 202 (known as Regulation B).