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Expert Analysis

Townstone Ruling Rocks The Boat On Equal Credit Law Reach

By Jonice Gray Tucker, Kari Hall and Kris Knabe ( March 2, 2023, 4:12 PM EST) -- The U.S. District Court for the Northern District of Illinois threw a stone into the Consumer Financial Protection Bureau's placid waters with its recent decision in CFPB v. Townstone,[1] finding the plain language of the Equal Credit Opportunity Act limits its applicability to credit applicants and excluding prospective applicants from the ECOA's reach.  ...

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