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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).
When the equal rights amendment was introduced in Congress in 1972, it quickly garnered the necessary majority in each house and was sent to the states for their consideration. Hawaii ratified the amendment the same day as Congress, and 34 other states quickly followed.