Online Education Course

Regulation B Disparate Impact


Regulatory Authority: Consumer Financial Protection Bureau (CFBP)

Credit Hours:

Regulation B sets out nine bases on which it is illegal to discriminate against a person.  Discrimination can occur because of overt discrimination, disparate treatment of persons or by disparate impact. Disparate impact occurs when a lender uniformly applies a policy or practice that on its face has no inappropriate discriminatory purpose or effect (and behind which there is no discriminatory intent), but in practice it does have a discriminatory effect on a prohibited basis. 

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