The Equal Credit Opportunity Act (ECOA) is a federal law that prohibits discrimination in any aspect of a credit transaction. It applies to any extension of credit, including extensions of credit to small businesses, corporations, partnerships, and trusts.
ECOA prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
ECOA was passed in 1974 in response to widespread discrimination in the credit market. At the time, women and minorities were often denied credit or offered less favorable terms than white men. ECOA has helped to level the playing field and make credit more accessible to all Americans.
ECOA is enforced by the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and other federal agencies. If you believe that you have been discriminated against in a credit transaction, you can file a complaint with one of these agencies.
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The Constitution was most detailed in explaining the duties of the:
A. Courts.
B. Congress.
C. President.
D. Army
Answer: The Constitution mostly explained the congress and was explaned in details so the answer is B. Congress.
Explanation:
Answer:
B
Explanation:
Apex :)
The Emperor Agustus is credited with rebuilding _____________.
a. private homes
b. public buildings
c. Roman palaces
d. both band c
Answer:
The answer is D. Both b and c, because he rebuilt both public buildings and roman palaces.
Were the individuals that attended the Constitutional Convention broadly representative of the entirety of U.S. society at the time?
Answer:
No
Explanation:
The individuals that attended the Constitutional Convention were not representative of the entirety of U.S. society at the time. These delegates were all male, white, free and wealthy. Therefore, they represented only a small percentage of the society of the time. This also means that their view was a narrow one, and that the interests they pursued did not necessarily respond to the interests of the majority of the population.
What is an example of what happened under the Alien and Sedition Acts?
A. The government declared war on France.
B. Foreign ships were not allowed into Boston Harbor.
C. Higher taxes were placed on foreign trade goods.
D. A man was arrested for complaining about the government.
Answer:
Man was arrested for complaining about the government
Explanation:
Which Civil War leader was a good organizer but
also very cautious?
A. Jefferson Davis
B. George McClellan
C. Robert E. Lee
Answer:
George McClellan.
Explanation:
Took it on EDGE.
George McClellan was a Civil War leader who was a good organizer but also very cautious. Option (b) is correct.
Who was George McClellan?As the 24th governor of New Jersey, George Brinton McClellan was an American soldier, Civil War Union commander, civil engineer, railroad operator, and politician.
After Winfield Scott, George McClellan assumed command of the Union army at the start of the Civil War. Although he was a good organizer and strategist, he received criticism for being overly cautious, which allowed Confederate armies to flee and prolonged the war.
The Union Army of the Potamic is frequently credited with being extremely well organized by George Brinton McClellan. "Little Mac," also known as "Young Napoleon," enjoyed enormous popularity among the men who served under his command.
Therefore, Option (b) is correct.
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Which of the following is characteristic of judicial restraint?
Answer:
The Court's acceptance of racial segregation in the 1896 case of Plessy v.
Explanation:
The term judicial restraint refers to a belief that judges should limit the use of their power to strike down laws, or to declare them unfair or unconstitutional, unless there is a clear conflict with the Constitution.
Judicial restraint is a theory of judicial interpretation that encourages judges to limit the exercise of their own power. It asserts that judges should hesitate to strike down laws unless they are obviously unconstitutional, though what counts as obviously unconstitutional is itself a matter of some debate.
Answer:
I think it is the last one.
Explanation:
Options:
basing decisions on previous decisionsoverturning existing legal precedentsdeclaring that the Constitution must be changedinterpreting the Constitution using a new method
What will increased budget surpluses do to the national debt?
A) not affect it
B) grow the debt
C) shrink the debt
D) change monetary policy
Answer:
It will shrink the debt
Explanation:
What are squatters or slum areas like ?
Slum areas, also known as squatter settlements, are impoverished urban neighborhoods characterized by overcrowded and unsanitary living conditions. These areas lack basic public services and often have high crime rates and health problems. Slums can be found in both developed and developing countries.
Explanation:Slum areas, also known as squatter settlements, are impoverished urban neighborhoods characterized by overcrowded and unsanitary living conditions. These areas lack basic public services such as electricity, running water, sewage disposal, and transportation systems. Slums often have high crime rates, health problems, air pollution, and trash buildup. Examples of slums include barrios in South America, favelas in Brazil, and self-constructed slums in Africa.
Slums can be found in both developed and developing countries. In the past, poor workers in cities like New York lived in tenements, which were rundown and overcrowded buildings that often lacked proper sanitation and hygiene. Slums and tenements are similar in that they are densely populated, dirty, and unsanitary areas.
In Latin American cities, the poorest of the poor often live in the far suburbs or squatter zones. These areas are characterized by a lack of public infrastructure such as highways, bus lines, sewers, freshwater, and electrical networks. It may take many years for governments to develop these services in squatter zones, leading to a persistence of poverty and inadequate living conditions.
Which of the following is an example of due process in action?
Steve wants to protest at the State capital against bullying, but he can't afford the transportation costs.
Jorge's parents are Catholic, but Jorge decides to become a Buddhist.
Susan is stopped for speeding, but she refuses to let the police search the trunk of her car.
Richard turned eighteen, but he decided that he doesn't like any of the candidates in the current election.
Answer:
Option 3 "Susan is stopped for speeding, but she refuses to let police search the trunk of her car"
Explanation:
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the UN partitioning of Palestine resulted in 800,000 Israeli refugees
Answer:
False
Explanation:
The UN partitioning of Palestine resulted in 800,000 Israeli refugees.
Explanation:The subject of this question is History. The question is asking about the UN partitioning of Palestine and its result in Israeli refugees.
In 1947, the United Nations proposed a partition plan for Palestine that would divide it into Jewish and Arab sectors. The plan was accepted by Jewish leaders but rejected by Arab leaders. After the plan was implemented, civil war broke out in Palestine, and as a result, around 800,000 Palestinians became refugees.
This event has been a significant factor in the ongoing Israeli-Palestinian conflict.
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The car market is an example of _____ because it has few sellers who offer differentiated products. A.oligopoly B.monopoly C.monopolistic competition
Answer:
A. Oligopoly
Explanation:
An organism is born with a genetic abnormality not present in any of its ancestors
A genetic disorder is a disease caused by a mutation in one or more genes or by a chromosomal alteration. Down syndrome is caused by an extra copy of chromosome 21. Inherited mutations play a role in 5 to 10 percent of all cancers.
Explanation:A genetic disorder is a disease, syndrome, or other abnormal condition caused by a mutation in one or more genes or by a chromosomal alteration. An example of a genetic disorder is cystic fibrosis. A mutation in a single gene causes the body to produce thick, sticky mucus that clogs the lungs and blocks ducts in digestive organs.
Down syndrome is caused by having three copies of chromosome 21, known as trisomy 21. The most common cause of trisomy 21 is chromosomal nondisjunction during meiosis. The frequency of nondisjunction events appears to increase with age, so the frequency of bearing a child with Down syndrome increases in females over 36.
Inherited mutations are thought to play a role in about 5 to 10 percent of all cancers. Specific mutations that cause many of the known hereditary cancers have been identified. Most of the mutations occur in genes that control the growth of cells or the repair of damaged DNA.
Why did the students post their “twelve theses” in the entrance hall of the university?
to show their opposition to Nazi policies
to show their support for a Jewish teacher who was about to be fired
to demand reforms to university tuition policies
to call for the expulsion of all non-German professors
Answer:
To call for the expulsion of all non-German professors.
Explanation:
"The Twelve Theses" was a text published by the German Student Union. These books called for the elimination of all "Jewish aspects" of culture from German literature. Among many other requests, it asked for a ban on publishing works by Jewish authors in Germany, and a ban on German translations of foreign books. It also called for the expulsion of non-German professors.
Answer:
Answer D
Explanation:
What did the south think would happen if slavery was not allowed to expand in the west
A.slave prices would increase
B.slave rebellions would increase
D.more northerners would buy slaves
Answer:
b
Explanation:
Why did many Democrats and Republicans remain silent during the anti-communist purges?
Answer:
They had the same opinion
is the ships logbook a primary source
Answer:yes
Explanation:the log book either tells how many items there ship has left or where they have been and it could all be logged in that book.
Yes, a ship's logbook is considered a primary source in history as it provides first-hand accounts of daily activities and events aboard the ship.
Explanation:Yes, a ship's logbook is considered a primary source in history. Primary sources are original documents or artifacts that were created during the time period being studied. Logbooks provide first-hand accounts of daily activities, events, and observations made by those aboard the ship, such as captains, sailors, or navigators. They offer valuable insights into maritime history, exploration, and trade routes, and can be used to understand the experiences and challenges faced by sailors at sea.
Our present political position has been achieved in a manner unprecedented in the history of nations. It illustrates the American idea that governments rest on the consent of the governed, and that it is the right of the people to alter or abolish them at will whenever they become destructive of the ends for which they were established.
Answer: The answer is A citizens have a right to change or destroy governments
Explanation:
Answer:
a
Explanation:
edge 2025 trust rn
how do i create a cash flow statement
Answer:
The simple analogy to creating a cash flow statement is analyzed below.
Explanation:
The cash flows statement is comprised of three sections: operating activities, investing activities, and financing activities.
The indirect method of preparing a statement of cash flows begins with the net profit from the income statement, which is then adjusted for non-cash items, such as depreciation.
Prepare—Gather Basic Documents and Data.
Step 2: Calculate Changes in the Balance Sheet.
Step 3: Put Each Change in B/S
What did Alexander the Great do once he became king?
He took control of India.
He unified the Greek city-states.
He conquered the Persian Empire.
He destroyed Macedonia’s military.
Answer:
C
Explanation:
Once he'd cleaned house, Alexander left to follow in his father's footsteps and continue Macedonia's world domination. Alexander appointed the general Antipater as regent and headed for Persia with his army.
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aj
Alexander the Great unified the Greek city-states, conquered the Persian Empire, and extended his campaigns to the borders of India before his soldiers' reluctance to continue and his untimely death halted further conquests. Hence, option C is correct.
Alexander the Great's Actions as King
Once Alexander the Great became king, he carried out several significant actions that shaped the ancient world. First, he consolidated his power in Greece, reconquering rebellious Greek cities and establishing control over the Greek city-states. Then, he embarked on an ambitious campaign against the mighty Persian Empire. Alexander's military genius and leading from the front saw the Greeks triumph over Persia, with significant victories that led to the fall of the Persian Empire by 331 BCE. Following Persia's defeat, Alexander continued eastward, reaching the mountain ranges bordering India and overrunning parts of the Punjab.
However, in India, Alexander's plans were curtailed when his army, weary from long campaigns and disheartened by the prospect of facing powerful Indian states, forced him to turn back. This marked the extent of his eastern conquests. Alexander also established new cities like Alexandria and spread Greek culture widely, influencing many regions. Unfortunately, Alexander's reign abruptly ended when he died at the age of thirty-three in Babylon, leaving a lasting impact on history through his conquests and cultural influence.
Alexander's legacy continued even after his death, as the territories he had conquered became part of the Hellenistic kingdoms ruled by his generals. His cultural and military exploits provided a foundation for the later emergence of the Mauryan Empire in India, showcasing the indirect effects of his campaigns.
Which is an example of General Grant’s leadership during the Civil War
Answer:
Answer Expert Verified. One of the examples of General Grant's leadership during the Civil War was capturing Vicksburg in early 1863.
Explanation:
Which legislation boosted the economy after the 2008 financial crisis by
providing unemployment benefits to the jobless and increased spending for
education?
O
A. The Community Reinvestment Act
B. The USA PATRIOT Act
O
C. The American Recovery and Reinvestment Act
O
D. The Civil Rights Act
Answer:
. The American Recovery and Reinvestment Act
Explanation:
September 2008 the US government and Federal Reserve had been searching for solutions to stabilize the financial markets and save the other banks from collapse. They deveolped a plan which consisted of buying troubled assets from the banks, in order to minimize uncertainty in the market.
The Act is an extraordinary response to promote economic recovery and growth, and includes measures to modernize our nation's infrastructure, enhance energy independence, expand educational opportunities, preserve and improve affordable health care, provide tax relief, and protect those in greatest need.
Leading outside analysts agree that the Recovery Act created millions of jobs and substantially boosted economic output, supporting the economy at a crucial moment. From 2009 to 2014, this raised employment by almost 6 million job-years (years of full-time equivalent employment).
Answer:
C. The American Recovery and Reinvestment Act
Explanation:
This was the piece of legislation that boosted the economy after the 2008 financial crisis. The American Recovery and Reinvestment Act of 2009 was a stimulus package designed to help with the recovery of existing jobs and the creation of new ones. It also provided temporary relief to people and investment into infrastructure, education, health, and renewable energy. While it is generally accepted that the Act reduced the impact of the crisis, the results of it continue to be heavily debated.
what reasons did lincoln give for his hatred of the spread of slavery
Answer: Some reasons that lincoln gave for his hatred on slavery was that he did believe that slavery was morally wrong but because slavery was sanctioned as the highest law in the land, he gave a speech declaring that he didn't really know what could be done to stop slavery.
Explanation:
In 563 bc, Siddhartha Gautama was born in
Answer: April 8, 563 BC, Lumbini, Nepal
Explanation: hope helps
Would you rather be a Viking or Crusader? Pls explain I give brainliest
Answer:
crusader
Explanation
Crusader, specifically a Templar, because the Templars would A.) have a roof over their head in one way or another, B.) were usually very just and reasonable not just to Christians, but to Muslims too, and C.) they were revered as some of the greatest knights of their time.
What effect did President Clinton's impeachment have on citizens of
the United States?
President Bush's speech after the terrorist attacks of 9/11 made which of the following significant changes
to US foreign policy?
It announced alliances with countries that offered support following the attacks.
It clarified that the United States was opposed to terrorist groups, such as al-Qaeda.
O lt declared that the United States could now attack any country that refused to hand over terrorists.
Answer:
It declared that the United States could now attack any country that refused to hand over terrorists.
Explanation:
Bush's speech made a significant changes to US foreign policy as It declared that the U.S. could now attack any country that refused to hand over terrorists.
What is the purpose of the Speech?In response to the terrorist attack on the World Trade center, President Bush gave a speech to discourage country from hiding the fact on their terrorist hideouts.
Hence, the declaration was effective as it made country to hand over terrorists to the U.S.
Therefore, the Option C is correct
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why was Thomas paines essay common sense signifigant to american independance
Answer:
Because of its treasonous content, Paine wrote Common Sense anonymously. The clearly defined reasoning in his writing led colonists to unite in the patriotic cause of freedom.This would prevent the colonists from foreign trade.
Explanation:
Answer: The pamphlet, Common Sense, was written in 1776 during the events leading to the American Revolutionary War. This document was very important because it helped sway people into supporting those individuals who favored declaring independence from Great Britain.
which occurred during the Bataan Death March in 1942what are unit persuaded President Roosevelt and prime minister Churchill to pursue a Europe first strategy
Answer:
WWII - The US - Britain joined hands against Germany and Japan
Explanation:
The news of Bataan Death March is considered as a mile stone in the World War II. These events led to the direct involvement of United States in both Pacific and European wars. Great Britain under the leadership of US president Roosevelt and Britain Prime Minister Churchill joined hands with United States against Germany and Japan to weaken their increasing power. This alliance led to increase armed production program of United States. One of the most important outcome of this Anglo-US alliance was the establishment of 'United Nation' with around 26 nations signing one unified goal of ensuring life, liberty, independence and preservation of human rights.
Answer:
- Thousands of US and Filipino prisoners of war died.
Explanation:
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Do you think that John browns punishment fit his crime?
John Brown's punishment for his crime of leading an unsuccessful raid at Harpers Ferry, which was intended to incite a slave rebellion, is subjective. It depends on one's view of his motives versus his violent methods and disregard for law.
Explanation:John Brown was a well-known abolitionist in the U.S during the 19th-century who led an unsuccessful raid on the Harpers Ferry armory in Virginia. He intended to initiate an armed slave revolt. Brown's crime was treason against the state of Virginia, murder, and inciting a slave rebellion. He was found guilty of these charges and was hanged for his actions.
Whether Brown's punishment fits his crime is a subjective matter, heavily dependent on one's viewpoint. Some argue that his actions were justified given the moral atrocity of slavery, and therefore that his execution was unwarranted. Others maintain that, regardless of his motives, Brown's violent methods and disregard for law and order justified his sentencing. This question encourages us to critically consider the balance between morality, the law, and punishment.
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6) This is the right to vote.
Answer:
Suffrage
Explanation:
This is the definition of suffrage. Like women's suffrage was fighting for the right for women to vote.