{"id":4770,"date":"2021-03-05T18:07:14","date_gmt":"2021-03-05T09:07:14","guid":{"rendered":"https:\/\/moneyforward.com\/mf_blog\/?p=4770"},"modified":"2021-08-10T21:32:55","modified_gmt":"2021-08-10T12:32:55","slug":"ecoa","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20210305\/ecoa\/","title":{"rendered":"\u7c73\u56fd\u306b\u304a\u3051\u308b\u4fe1\u7528\u6a5f\u4f1a\u306e\u5747\u7b49\u5316\u306b\u5411\u3051\u305f\u6b74\u53f2"},"content":{"rendered":"\n<p>\u7c73\u56fd\u3067\u306f\u3001\u6d88\u8cbb\u8005\u306e\u4fe1\u7528\u60c5\u5831\u306e\u7d44\u6210\u306b\u969b\u3057\u3066\u3001\u4eba\u7a2e\u3084\u6027\u5225\u306a\u3069\u306b\u3088\u308b\u5dee\u5225\u306e\u9632\u6b62\u3092\u76ee\u7684\u3068\u3057\u305f\u300c\u6d88\u8cbb\u8005\u4fe1\u7528\u6a5f\u4f1a\u5747\u7b49\u6cd5 (<a href=\"https:\/\/www.justice.gov\/crt\/equal-credit-opportunity-act-3\">The Equal Credit Opportunity Act<\/a>)\u300d\u304c\u8a2d\u3051\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u6628\u4eca\u3001\u65e5\u672c\u306e\u5236\u5ea6\u3067\u3082\u4e0e\u4fe1\u5be9\u67fb\u306b\u304a\u3051\u308bAI\u7b49\u306e\u6d3b\u7528\u304c\u9032\u3093\u3067\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u5c06\u6765\u50cf\u306e\u4e2d\u3067\u306f\u4fe1\u7528\u6a5f\u4f1a\u304b\u3089\u306e\u6392\u9664\u304c\u884c\u308f\u308c\u306a\u3044\u3053\u3068\u306f\u91cd\u8981\u306a\u8ad6\u70b9\u3068\u306a\u308b\u3053\u3068\u304c\u60f3\u50cf\u3055\u308c\u307e\u3059\u3002\u672c\u7a3f\u3067\u306f\u3001\u7c73\u56fd\u306b\u304a\u3044\u3066\u9577\u3089\u304f\u5b58\u5728\u3057\u3066\u304d\u305f\u3053\u306e\u89b3\u70b9\u306e\u8b70\u8ad6\u306e\u7d4c\u7def\u3092\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u6d88\u8cbb\u8005\u4fe1\u7528\u6a5f\u4f1a\u5747\u7b49\u6cd5\uff08\u4ee5\u4e0b\u3001ECOA\uff09\u306f\u3001\u8ab0\u306b\u3067\u3082\u878d\u8cc7\u3092\u5f97\u3089\u308c\u308b\u6a29\u5229\u3092\u4fdd\u969c\u3059\u308b\u3082\u306e\u3067\u306f\u306a\u3044\u3082\u306e\u306e\u3001\u4e0e\u4fe1\u7b49\u306e\u7533\u8fbc\u8005\u306b\u5bfe\u3057\u3001\u516c\u5e73\u306a\u4e0e\u4fe1\u57fa\u6e96\u304c\u9069\u7528\u3055\u308c\u308b\u3053\u3068\u3092\u5b9a\u3081\u3066\u304a\u308a\u3001\u7c73\u56fd\u306b\u304a\u3044\u3066\u6d88\u8cbb\u8005\u306e\u7d71\u4e00\u7684\u306a\u4fe1\u7528\u6a5f\u4f1a\u3092\u4fdd\u8a3c\u3059\u308b\u5236\u5ea6\u3067\u3042\u308b\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u5f53\u521d\u3001ECOA\u304c\u6210\u7acb\u3057\u305f\u80cc\u666f\u306b\u306f\u30011970\u5e74\u4ee3\u306e\u7c73\u56fd\u3067\u6027\u5225\u306b\u3088\u308b\u5dee\u5225\u304c\u6b8b\u3055\u308c\u3066\u3044\u305f\u3068\u3044\u3046\u554f\u984c\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002\u5973\u6027\u306e\u793e\u4f1a\u9032\u51fa\u306b\u5411\u3051\u3066\u3001\u91d1\u878d\u306b\u304a\u3051\u308b\u6cd5\u7684\u306a\u6574\u5099\u304c\u5145\u5206\u3067\u306f\u306a\u3044\u3053\u3068\u3092\u53d7\u3051\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u306e\u516c\u5e73\u306a\u63d0\u4f9b\u3092\u76ee\u6307\u3059\u76ee\u7684\u30671974\u5e74\u306b\u6cd5\u6848\u304c<a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/what-you-need-know-about-equal-credit-opportunity-act-and-how-it-can-help-you-why-it-was-passed-and-what-it\/\">\u53ef\u6c7a\u3055\u308c\u307e\u3057\u305f<\/a>\u3002<\/p>\n\n\n\n<p>\u540c\u6cd5\u306e\u5236\u5b9a\u307e\u3067\u306f\u3001\u4f8b\u3048\u3070\u72ec\u8eab\u5973\u6027\u306b\u5411\u3051\u305f\u4e0e\u4fe1\u57fa\u6e96\u3067\u306f\u3001\u8cb8\u3057\u624b\u306e\u88c1\u91cf\u306b\u3088\u308a\u3001\u4eca\u5f8c\u5a5a\u59fb\u306e\u53ef\u80fd\u6027\u304c\u3042\u308b\u3053\u3068\u304b\u3089\u3001\u5c31\u52b4\u7d99\u7d9a\u306e\u671f\u5f85\u304c\u6e1b\u5c11\u3059\u308b\u305f\u3081\u3001\u4fe1\u7528\u304c\u4f4e\u4e0b\u3059\u308b\u84cb\u7136\u6027\u304c\u9ad8\u3044\u3068\u3044\u3063\u305f\u5224\u65ad\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3057\u305f\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u5973\u6027\u306e\u751f\u6daf\u52b4\u50cd\u5e74\u6570\u306e\u5897\u52a0\u3084\u5a5a\u59fb\u9078\u629e\u306e\u591a\u69d8\u5316\u3068\u3044\u3046\u793e\u4f1a\u306b\u9069\u5fdc\u3057\u305f\u691c\u8a0e\u304c\u884c\u308f\u308c\u3001\u4e0a\u8a18\u306e\u3088\u3046\u306a\u5a5a\u59fb\u72b6\u6cc1\u306b\u3088\u308b\u5dee\u5225\u3084\u3001\u6027\u5225\u306b\u3088\u308b\u5dee\u5225\u3092\u884c\u3046\u3053\u3068\u304c\u7981\u6b62\u3055\u308c\u307e\u3057\u305f\u3002\u305d\u306e\u5f8c\u306e\u5236\u5ea6\u6539\u5b9a\u306e\u4e2d\u3067\u3001\u4eba\u7a2e\u3084\u5b97\u6559\u306a\u3069\u3092\u7406\u7531\u3068\u3057\u305f\u5dee\u5225\u304c\u8ffd\u52a0\u7684\u306b\u7981\u6b62\u3055\u308c\u3066\u3044\u304d\u307e\u3057\u305f\u3002<\/p>\n\n\n\n<p>\u73fe\u5728\u3001\u540c\u6cd5\u306f\u4eba\u7a2e\u3001\u808c\u306e\u8272\u3001\u5b97\u6559\u3001\u6027\u5225\u3001\u5a5a\u59fb\u72b6\u614b\u3001\u5e74\u9f62\u3001\u96c7\u7528\u5f62\u614b\u7b49\u306b\u304a\u3051\u308b\u4e0e\u4fe1\u57fa\u6e96\u306e\u5dee\u5225\u7684\u306a\u53d6\u308a\u6271\u3044\u3092\u7981\u6b62\u3057\u3066\u304a\u308a\u3001\u69d8\u3005\u306a\u4eba\u3005\u306e\u7279\u5fb4\u3084\u751f\u304d\u65b9\u306b\u5bfe\u3059\u308b\u91d1\u878d\u6392\u9664\u3092\u9632\u3050\u898f\u5b9a\u3068\u3057\u3066\u6a5f\u80fd\u3057\u3066\u3044\u307e\u3059\u3002\u8fd1\u5e74\u3001\u540c\u6cd5\u304c\u9069\u7528\u3055\u308c\u305f\u30b1\u30fc\u30b9\u3067\u4ee3\u8868\u7684\u306a\u3082\u306e\u3068\u3057\u3066\u306f\u3001\u30a2\u30d5\u30ea\u30ab\u7cfb\u30a2\u30e1\u30ea\u30ab\u4eba\u304c\u81ea\u52d5\u8eca\u8cfc\u5165\u306e\u305f\u3081\u306b\u4e0e\u4fe1\u306e\u7533\u3057\u8fbc\u307f\u3092\u884c\u3063\u305f\u969b\u3001\u767d\u4eba\u304c\u540c\u69d8\u306e\u8cc7\u7523\u72b6\u6cc1\u7b49\u3067\u7533\u3057\u8fbc\u307f\u3092\u884c\u3063\u305f\u30b1\u30fc\u30b9\u306b\u6bd4\u3079\u3066\u5229\u606f\u984d\u304c\u7d04163\u30c9\u30eb\u591a\u304f\u8acb\u6c42\u3055\u308c\u305f\u3068\u3044\u3046\u82e6\u60c5\u304cFederal Trade Commission\uff08\u9023\u90a6\u53d6\u5f15\u59d4\u54e1\u4f1a\uff09\u306b\u5bc4\u305b\u3089\u308c\u3001\u540c\u59d4\u54e1\u4f1a\u306f\u4eba\u7a2e\u7684\u306a\u5dee\u5225\u304c\u3042\u3063\u305f\u3068\u3057\u3066ECOA\u306b\u9055\u53cd\u3059\u308b\u3068\u306e\u5224\u65ad\u304c\u3055\u308c\u305f<a href=\"https:\/\/www.ftc.gov\/news-events\/press-releases\/2020\/05\/bronx-honda-to-pay-over-1-million-to-settle-charges\">\u30b1\u30fc\u30b9<\/a>\u304c\u307f\u3089\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u306e\u3088\u3046\u306a\u5236\u5ea6\u7684\u80cc\u666f\u3092\u57fa\u790e\u3068\u3057\u3066\u3001\u9032\u5c55\u3057\u305f\u4ed5\u7d44\u307f\u306e\u3072\u3068\u3064\u306b\u4fe1\u7528\u30b9\u30b3\u30a2\u304c\u3042\u308a\u307e\u3059\u3002\u7c73\u56fd\u306b\u306f\u8457\u540d\u306a\u4fe1\u7528\u30b9\u30b3\u30a2\u304c\u8907\u6570\u3042\u308a\u307e\u3059\u304c\u3001\u4e2d\u3067\u3082\u6700\u3082\u6709\u540d\u306a<a href=\"https:\/\/www.myfico.com\/\">FICO\u30b9\u30b3\u30a2<\/a>\u306f\u69d8\u3005\u306a\u5224\u65ad\u8981\u7d20\u306b\u3088\u308a\u69cb\u6210\u3055\u308c\u308b\u3082\u306e\u306e\u3001\u4eba\u3005\u306e\u7279\u5fb4\u3084\u751f\u304d\u65b9\u3067\u306f\u306a\u304f\u3001\u884c\u52d5\u306b\u8d77\u56e0\u3057\u305f\u3082\u306e\u3067\u3042\u308b\u70b9\u304c\u6ce8\u76ee\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<p>FICO\u30b9\u30b3\u30a2\u306e\u4e3b\u306a\u8981\u7d20\u3068\u3057\u3066\u306f\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u652f\u6255\u5c65\u6b74\u3001\u5229\u7528\u6e08\u307f\u306e\u4fe1\u7528\u5229\u7528\u67a0\u3001\u652f\u6255\u5c65\u6b74\u306e\u9577\u3055\u3001\u5229\u7528\u3057\u305f\u30af\u30ec\u30b8\u30c3\u30c8\u624b\u6bb5\u3001\u76f4\u8fd1\u306e\u4fe1\u7528\u8abf\u67fb\u6a5f\u95a2\u3078\u306e\u7167\u4f1a\u5c65\u6b74\u304c\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u4eba\u7a2e\u3084\u6027\u5225\u3001\u500b\u4eba\u306e\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u3068\u3044\u3063\u305f\u5185\u5bb9\u306f\u5f53\u7136\u306b\u542b\u307e\u308c\u3066\u3044\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<p class=\"has-text-align-center\"><img loading=\"lazy\" decoding=\"async\" width=\"466\" height=\"348\" src=\"https:\/\/lh5.googleusercontent.com\/ILfUxbtLKF8gedEI5sYUbiek4mwjaUoDYXl7HN-QqoUTYyyqlaOH2Tdk5Y_Hz4FlMdsZ2913hpEXnzGkoVz989wYrh72GSjOQ6m1EIP7v7UzNiJdk0thelEnQgB34V4RMwp_GYWo\"><\/p>\n\n\n\n<p class=\"has-text-align-right\">\uff08FICO\u30b9\u30b3\u30a2\u30a4\u30e1\u30fc\u30b8\uff1aFICO\u516c\u5f0f\u30b5\u30a4\u30c8 \u201c<a href=\"https:\/\/www.myfico.com\/credit-education\/whats-in-your-credit-score#:~:text=FICO%20Scores%20are%20calculated%20using,and%20credit%20mix%20(10%25)\">myFICO<\/a>\u3088\u308a\u5f15\u7528\u201d\uff09<\/p>\n\n\n\n<p>\u307e\u305f\u3001\u7c73\u56fd\u4ee5\u5916\u306e\u30b1\u30fc\u30b9\u3068\u3057\u3066\u3001\u5357\u30a2\u30d5\u30ea\u30ab\u3067\u306f\u7c73\u56fd\u3068\u306f\u7570\u306a\u308b\u80cc\u666f\u3067\u4fe1\u7528\u60c5\u5831\u306e\u516c\u6b63\u5316\u3092\u76ee\u6307\u3059\u65bd\u7b56\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u5357\u30a2\u30d5\u30ea\u30ab\u3067\u306f\u3001\u4fe1\u7528\u30b9\u30b3\u30a2\u3078\u306e\u30a2\u30af\u30bb\u30b9\u306e\u969c\u58c1\u3092\u4e0b\u3052\u308b\u76ee\u7684\u3067\u300c<a href=\"https:\/\/www.gov.za\/documents\/national-credit-act\">\u56fd\u5bb6\u4fe1\u7528\u6cd5\uff08National Credit Act\uff09<\/a>\u300d\u304c2005\u5e74\u306b\u5236\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u540c\u56fd\u306b\u306f\u901a\u5e38\u306e\u4fe1\u7528\u60c5\u5831\u3078\u306e\u30a2\u30af\u30bb\u30b9\u304c\u5236\u9650\u3055\u308c\u308b\u4eba\u3084\u30af\u30ec\u30b8\u30c3\u30c8\u60c5\u5831\u304c\u305d\u3082\u305d\u3082\u5b58\u5728\u3057\u306a\u3044\u56fd\u6c11\u304c\u307f\u3089\u308c\u308b\u3053\u3068\u304b\u3089\u3001\u6d88\u8cbb\u8005\u306e\u4fe1\u7528\u57fa\u6e96\u306b\u3064\u3044\u3066\u3001\u5dee\u5225\u7684\u306a\u53d6\u308a\u6271\u3044\u3084\u4fe1\u7528\u60c5\u5831\u3092\u60aa\u7528\u3057\u3066\u9ad8\u984d\u306a\u50b5\u52d9\u8fd4\u6e08\u3092\u6c42\u3081\u308b\u696d\u8005\u304c\u5b58\u5728\u3057\u3066\u3044\u305f\u3068\u3044\u3046\u80cc\u666f\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u3053\u3067\u300c\u56fd\u5bb6\u4fe1\u7528\u6cd5\u300d\u3092\u5236\u5b9a\u3057\u3001\u6d88\u8cbb\u8005\u304c\u4fe1\u7528\u60c5\u5831\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u5bb9\u6613\u306b\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u305d\u308c\u307e\u3067\u306e\u4e0d\u516c\u6b63\u306a\u4fe1\u7528\u53d6\u5f15\u306e\u662f\u6b63\u3084\u5dee\u5225\u7684\u306a\u53d6\u5f15\u6163\u884c\u3092\u7981\u6b62\u3059\u308b\u610f\u56f3\u304c\u3042\u308a\u307e\u3059\uff08\u203b<a 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