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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.
Regulation B was issued by the Board of Governors of the Federal Reserve System to implement. the provisions of the Equal Credit Opportunity Act (ECOA). The law was enacted in 1974 to make. it unlawful for creditors to discriminate in any aspect of a credit transaction on the basis of sex or. marital status.