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The law applies to any person who, in the ordinary course of business, regularly participates in a credit decision,[3] including banks, retailers, bankcard companies, finance companies, and credit unions. The Community Reinvestment Act, passed by Congress in 1977 required banks to apply the same lending criteria in all communities..

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Admiralty law or maritime law is a body of law that governs nautical issues and private maritime disputes. Admiralty law consists of both domestic law on maritime activities, and private international law governing the relationships between private parties operating or using ocean-going ships. While each legal jurisdiction usually has its own legislation governing maritime ....