Regulation B Policy (ECOA)
Updated 01/20/2026
This policy summarizes the requirements of Regulation B (ECOA). Institutions are encouraged to review and modify as needed, based on their size, complexity, and scope.
Rule: 12 CFR Part 1002 – Equal Credit Opportunity Act (Regulation B)
C/A Toolkit: 1071 Small Business Lending, Regulation B
Keywords: Regulation B, Equal Credit Opportunity Act, ECOA, Section 1071
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1/20/2026 Updated to reflect CFPB Withdrawal of Joint Statement on the Equal Credit Opportunity Act and Noncitizen Borrowers on 1/12/26.
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