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This commentary is the means by which the Bureau of Consumer Financial Protection issues official interpretations of Regulation B. Under Appendix D to the regulation, any person may request an official interpretation.
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The comments are deated with as much specificity as possible according to the particular regulatory provision addressed. OMG its amazing how emotionally invested we can get into these things.
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Interpretations will be issued at the discretion of deated officials and incorporated in this commentary following publication for comment in the Federal Register. Moreover, the Act and regulation apply to all methods of credit evaluation, whether performed judgmentally or by use of a credit scoring system.
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The Equal Credit Opportunity Act and Regulation B apply to all credit--commercial as well as personal-without regard to the nature or type of the credit or the creditor, except for an entity excluded from coverage of this part but not the Act by section of the Consumer Financial Protection Act of 12 U. Except in unusual circumstances, official interpretations will be issued only by means of this commentary.
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