12 CFR Part 1002 - Equal Credit Opportunity Act (Regulation B)

Regulation B protects applicants from discrimination in any aspect of a credit transaction.

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Credit transactions and aspects of credit transactions include:

• Consumer credit
  
• Business credit
  
• Mortgage loans
  
• Refinancing
  
• Open-end credit
  
• Credit applications
  
• Standards of creditworthiness
  
• Denial of credit
• Servicing and collection
• Revocation, alteration, or termination of credit
  

The regulation covers topics such as:

• Discrimination
• Discouragement
• Notification of action taken (including adverse action)
• Appraisal and other written valuations
• Special purpose credit programs
• Limitation on collection of certain protected information
• Self-testing and self-correction
• Evaluation of applications
• Signature requirements
• Mandatory information collection for monitoring purposes

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