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CFPB Eliminates ECOA “Effects Test”: What the Rollback of Fair Lending Rules Means for Bad Credit Loans and Borrowing Capacity

CFPB Eliminates ECOA "Effects Test" Disparate Impact Liability in Regulation B On April 22, 2026, the Consumer Financial Protection Bureau (CFPB) finalized a sweeping rule that fundamentally reshapes fair lending enforcement under the Equal Credit…

2026-05-25 · 3 min read

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