EFFECTS TEST

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тест воздействия: метод оценки дискриминационного воздействия; при выяснении дела о дискриминации, напр., при получении кредита, по расе, полу и др. необходимо доказать, что то или иное действие имело дискриминационное воздействие (США);см. Regulation B.

A method used in order to assess the discriminatory impact of credit policies. The statutory basis is the Equal Credit Opportunity Act which prohibits credit denials on the basis of marital status, national origin, age or whether applicants are receiving public assistance, as well as the Fair Housing Act.

The effects test is most frequently applied in evaluating the fairness credit scoring systems and alternative mortgages, such as graduated payment mortgages, where future income is considered.