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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).
Civil Right Act of 1964. Passed by Congress in 1964 in honor of the late President Kennedy. This act banned racial discrimination in places such as hospitals and restaurants. This act also gave the government the power to desegregate schools. It led to the creation of the Equal Employment Opportunity Commission.