Ecoa disclosure form 2025

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Race or color, Religion, National origin, Sex, Marital status, Age (provided the applicant has the capacity to contract), The applicants receipt of income derived from any public assistance program, or The applicants exercise, in good faith, of any right under the Consumer Credit Protection Act.
A statement of action taken by the creditor. Either a statement of the specific reasons for the action taken or a disclosure of the applicants right to a statement of specific reasons and the name, address, and telephone number of the person or office from which this information can be obtained.
A Consumer Disclosure is a complete account of all the information on your credit report, as mandated by consumer reporting legislation.
The notice must either disclose the applicants right to a statement of specific reasons within 30 days, or give the primary reasons each creditor relied upon in taking the adverse action - clearly indicating which reasons relate to which creditor. 2. Third party notice - enforcement agency.
This Act (Title VII of the Consumer Credit Protection Act) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
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