CFPB和DOJ推翻了2023年的规则,允许放款人根据《经济、社会、文化权利国际公约》以风险和合规为由考虑移民地位。 The CFPB and DOJ reversed a 2023 rule, allowing lenders to consider immigration status for risk and compliance reasons under ECOA.

消费者金融保护局和司法部撤回了2023年的一份联合声明,其中告诫放款人不要在信贷决定中考虑移民地位,并澄清《平等信贷机会法》允许在与合法商业需求挂钩时,如风险评估或反洗钱规则,考虑移民地位。 The Consumer Financial Protection Bureau and Department of Justice have withdrawn a 2023 joint statement that cautioned lenders against considering immigration status in credit decisions, clarifying that such consideration is permitted under the Equal Credit Opportunity Act when tied to legitimate business needs like risk assessment or anti-money laundering rules. 各机构说,先前的指导意见造成了混乱,并可能误导了债权人,强调《经济、社会、文化权利国际公约》并不禁止在必要时为遵守或承保使用移民身份。 The agencies said the prior guidance caused confusion and may have misled creditors, emphasizing that ECOA does not prohibit using immigration status when necessary for compliance or underwriting. 2026年1月12日宣布的这一逆转与现政府移民和金融监管方针一致,旨在恢复执法的清晰性和一致性,同时重申基于种族、民族血统或其他受保护类别的歧视仍是非法的。 The reversal, announced January 12, 2026, aligns with the current administration’s approach to immigration and financial regulation, aiming to restore clarity and consistency in enforcement while reaffirming that discrimination based on race, national origin, or other protected classes remains illegal.