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Employer Liability for Unlawful Harassment by Employees or Non-Employees.Employer Liability for Unlawful Harassment by Supervisors.Employer Liability for Unlawful Harassment.Title VII's Prohibition Against a Hostile Work Environment Based on National Origin.Employment Discrimination and Human Trafficking.National Origin Discrimination That Overlaps or Intersects with Other Title VII Protected Bases.Employment Discrimination Based on National Origin Group or Ethnicity.Employment Discrimination Based on Place of Origin.WHAT IS "NATIONAL ORIGIN" DISCRIMINATION?.The act provides for up to $10,000 in punitive damages for individual lawsuits and the lesser of $500,000 or 1 percent of the credit's net worth for class action suits.EEOC ENFORCEMENT GUIDANCE ON NATIONAL ORIGIN DISCRIMINATION TABLE OF CONTENTS The ECOA established penalties for failure to comply with the regulations. Creditors must also provide an account holder with a reason for closing an account, refusing to extend credit, or making changes in the terms of credit. If the application is denied, the creditor must inform the applicant of the reason for the denial. The ECOA requires that creditors inform an applicant within 30 days whether his or her credit application has been accepted or denied. Creditors may, however, ask about the ages and financial obligations of the applicant's existing children. In addition to prohibiting discrimination on the basis of marital status, the act prohibits creditors from asking the marital status of an applicant (unless the application is for joint credit) or whether the applicant plans to have children. The applicant has exercised his or her rights under the Consumer Credit Protection Act.Any portion of the applicant's income comes from any public assistance program.The applicant's race, color, religion, national origin, sex, marital status, or age (provided the applicant is old enough to legally enter a contract).The ECOA prohibits creditors from discriminating against any applicants on any of three bases: Enforcement of the act was originally the responsibility of the Federal Reserve Board, but the passage of the Dodd-Frank Act in 2010 transferred this authority to the Consumer Financial Protection Bureau. The act was signed into law by President Gerald Ford on October 28. The House approved the amended version in a vote of 355-1 on October 9, and Senate approved the bill in a voice vote on October 10.

The committee returned an amended bill to both chambers. The amended version went to a conference committee. The measure was then referred to the United States Senate, which passed an amended version on June 13 in a vote of 89-0.

The measure passed on Februin a vote of 282-94. The act was introduced to the United States House of Representatives on October 31, 1973. The Equal Credit Opportunity Act (ECOA) is part of an amendment to the Federal Deposit Insurance Act, originally enacted in 1950.