In 2018, Congress passed a bill that rolled back reform measures under the Dodd-Frank Wall Street Reform and Consumer Protection Act that required banks and credit unions to report loan characteristics. The measures required lenders to submit reports for 25 or more mortgages and 100 or more home equity loans made per year.

The bill raised the threshold significantly to 500 mortgages and 500 home equity loans per year, which resulted in 85 percent of banks and credit loans being exempted from reporting. This has sparked concern over fairness in lending as some minorities and women are still subject to loan discrimination.

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