Interagency Rescission of the Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
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Summary
AI summary — grounded in the notice text
Multiple federal agencies, including HUD and DOJ, jointly rescinded the 2022 Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B. The agencies state that creditors may not discriminate based on prohibited characteristics and should not rely on the rescinded statement or related guidance going forward. This matters for PHAs and housing entities involved in lending programs because prior guidance permitting certain race- or sex-based credit programs is no longer valid, and all special purpose credit programs must now comply with ECOA, Regulation B, and the Fair Housing Act.
Key Quotes
Verbatim from the notice
“FDIC, NCUA, OCC, CFPB, HUD, DOJ, and FHFA (collectively, the agencies) are issuing this notice to inform the public of the rescission of the ``Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B''”
Verbatim from the notice
“creditors may not discriminate against borrowers based on prohibited characteristics and (2) creditors should not rely upon the Interagency Statement or other related issuances going forward”
Verbatim from the notice
“All special purpose credit programs must comply with ECOA, and its implementing regulation, Regulation B, and the FHA.”
Key Dates
- Published
- Aug 25, 2026
- Effective
- Aug 25, 2026