What act works in conjunction with HMDA to ensure that all customers have equal access to banking and institutions?

The Equal Credit Opportunity Act (ECOA) works in conjunction with the Home Mortgage Disclosure Act (HMDA) to ensure that all customers have equal access to banking and credit services. ECOA prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Together, these acts promote transparency and fair treatment in the lending process, helping to ensure that all individuals have the opportunity to obtain credit.