Equal Credit Opportunity Act (ECOA) Training

Included with Regulatory Basics course
AI authoring tools for easy customization
Additional languages available
Meets accessibility standards
Auto-save training, mobile-friendly
Deliver on Ethena or your LMS (SCORM)

Course Summary

The Equal Credit Opportunity Act (ECOA) protects people from discrimination in any part of the credit process—from application to collection. This course explains your responsibilities under ECOA, including how to evaluate credit applications fairly, what you can and can’t ask, and how to issue adverse action notices correctly.

You’ll learn how to make credit decisions based on facts—not assumptions—while helping your organization stay compliant and support equal access to credit for all.

Included Modules:

What Is the ECOA?

Introduces the Equal Credit Opportunity Act, the US law enforced through Regulation B that prohibits discrimination in any aspect of a credit transaction.

What ECOA Prohibits and Requires

Explains how the Equal Credit Opportunity Act bars credit discrimination on protected bases and requires fair, consistent treatment of every applicant.

Bias-Free Applications and Evaluations

Shows how to take applications and evaluate creditworthiness without bias, following Regulation B rules on the information lenders may and may not request.

Adverse Actions and Appraisal Reports

Covers ECOA duties to give applicants timely adverse action notices and to provide copies of appraisals and other valuations used in credit decisions.

Consequences of ECOA Violations

Outlines the penalties, CFPB enforcement, lawsuits, and reputational harm that result when an institution violates the Equal Credit Opportunity Act.

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