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Suppose that a lender has developed a statistically sound credit scoring system based on a large volume of financial data, and the statistics disclose (say)

Suppose that a lender has developed a statistically sound credit scoring system based on a large volume of financial data, and the statistics disclose (say) that people who practice a certain religion have significantly better (or worse) default histories than people of other faiths. Under the Equal Credit Opportunity Act (ECOA), may an applicant's faith be considered as a factor in making a credit decision? Why?

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