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Affirmative defense not allowed under ECOA (access required)

The Equal Credit Opportunity Act does not afford a defendant in a collection action an affirmative defense, a Fairfax Circuit judge has ruled. Any relief for violations of the Act, 15 U.S.C. § 1691 et seq., must come in a counterclaim to the collection suit, the judge held. The judge expressly followed a 1992 federal case ...

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