A bill to amend the Equal Credit Opportunity Act to include discrimination on the basis of race, color, religion, national origin, and age.
Latest action. Referred to House Committee on Banking and Currency.
Provides, under the Equal Credit Opportunity Act, that an application for credit shall not be denied on the basis of the race, color, religion, national origin, or age of the applicant. States that the declination of credit on terms offered pursuant to: (1) any loan assistance program expressly authorized by law for an economically disavantaged class of persons; (2) any loan assistance program administered by a nonprofit organization for its members or an economically disadvantaged class of persons; or (3) any special purpose loan program offered by a profitmaking organization to meet special social needs which is specifically approved or meets standards prescribed in regulations, shall not constitute a violation of this Act. Stipulates that: (1) an inquiry by or on behalf of a creditor of the marital status of any applicant is not a violation if the inquiry is to ascertain the creditor's rights and remedies; and (2) a request by or on behalf of a creditor for the signature of both parties to a marriage to create a valid lien, pass clear title, waive inchoate rights to property, or to assign earnings is not a violation of this Act. Sets forth civil penalties for violations of the provisions of this Act.
Written by analysts at the Congressional Research Service and published on Congress.gov, not by Civibrief. Summarized at the "Introduced in House" stage on December 3, 1974. It describes the bill, it is not the legal text.
Where is it in the process, and what happens next?
4 steps remain before this bill could become law.
The record's latest action, on December 3, 1974: Referred to House Committee on Banking and Currency.
- Clearing the committees it was referred to, and being scheduled for a floor vote
- Passage by the House
- Passage by the Senate
- The President's signature. If the President vetoes it, two-thirds of both chambers must vote to override.
How likely is it to become law?
Civibrief does not forecast outcomes and this page has no opinion about this one. What the record supports is a base rate, which is a fact about the whole pile, not a prediction about this measure.
In the 93rd Congress (1973-74), 651 of the 23,396 bills and joint resolutions introduced became law, about 2.8 percent. That count covers every measure at every stage, including the many that never left committee.
This one is not there yet: 4 steps are still outstanding, listed above.
Has anyone actually voted on it?
No. No roll call in this Congress cites this measure. That is the ordinary outcome: most measures never reach a recorded floor vote, and a committee ends most of them simply by not acting.
A vote is not the only thing that happens to a measure. Hearings, markups, and referrals are all recorded actions, and none of them is a vote of the full chamber.
Who is behind it?
LEONOR SULLIVAN (D-MO) introduced it on December 3, 1974. No cosponsors are recorded.
Cosponsoring is a formal signature on the text. It is not a commitment to vote for the measure, it does not bind anyone's party, and a long list of cosponsors is a measure of attention rather than of prospects.
How long has it been in play?
It was introduced on December 3, 1974, 18909 days ago. The most recent recorded action was 18909 days ago, on December 3, 1974.
Measures do not carry over. Anything the 93rd Congress has not finished by January 3, 1975 dies when the term ends, and has to be introduced again from the start in the next Congress.
Every answer above is assembled from this measure's own record on Congress.gov and from published counts of what Congress has passed before. Civibrief does not predict outcomes and takes no position on any measure.
Vote history
- HouseIn committee, no floor vote yet
- SenateAwaits House passage
- PresidentAwaits both chambers