Fair Lending: Federal Oversight and Enforcement Improved but Some ChallengesRemain

摘要

This report responds to requests concerning federal oversight and enforcement ofthe nation's fair lending laws, principally the Equal Credit Opportunity Act and the Fair Housing Act. The report reviews federal efforts to strengthen enforcement of the fair lending laws, discusses the challenges federal regulators face in their efforts to detect discrimination and ensure compliance, and recommends actions to meet some of those challenges.