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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.
1 I. Introduction The Equal Credit Opportunity Act of 1974 (ECOA) was enacted in an era marked by consumersâ increasing reliance on credit, markedly different lending practices than those prevalent today, and vibrant civil rights activism.