Regulatory deadline
Reg B rule removing the ECOA disparate-impact effects test effective
CFPB · US
Date
2026-07-21
Status
In force since 2026-07-21
Type
Deadline
Authority
CFPB
What changes
The CFPB removed the ECOA "effects test" — but disparate impact remains actionable under the Fair Housing Act, DOJ and state law, and the rule faces litigation.
What to do
Keep fair-lending disparate-impact testing; treat ECOA disparate impact as contested / jurisdiction-dependent, not eliminated.
Who it applies to
use in Credit & financial scoring