ECOA: The Federal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( providing that the applicant's has the capacity to enter into a binding contract), because all or part of the applicant's income is derived from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal Agency that administers compliance with this law concerning this creditor is the Federal Home Loan Bank Board, P.O. Box 56527, Atlanta, Georgia 30343.