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7 It was in this context that Congress passed the Equal Credit Opportunity Act in 1974, prohibiting discrimination based on sex and marital status, and subsequently amended it in 1976 3 For a more detailed discussion of modern credit scoring models, see Mester (1997).
The Equal Rights Amendment was written in 1921 by suffragist Alice Paul. It has been introduced in Congress every session since 1923. It passed Congress in the above form in 1972, but was not ratified by the necessary thirty-eight states by the July 1982 deadline. It was ratified by thirty-five states.