2026年4月21日 世界协调时下午1:28 / 路透社
道格拉斯·吉利森 撰稿
2026年4月21日 世界协调时下午1:28 更新，距本次发布已过去2小时
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2021年5月14日拍摄的美国华盛顿消费者金融保护局（CFPB）总部标牌。路透社/安德鲁·凯利 资料图
华盛顿4月21日路透电 — 根据《联邦公报》发布的一则通知，美国联邦消费者金融保护局于周二正式废除了针对放贷行业的部分民权时代反歧视要求。
消费者金融保护局的这项新规落实了总统唐纳德·特朗普此前下达的指令，即削减他认为给企业带来负担的长期政策，但维权人士称这些政策是保护美国消费者权益的根本所在。
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根据1974年《平等信贷机会法》制定的联邦新规不再要求放贷机构防范对借款人产生意外歧视性后果的政策和做法，也就是所谓的“差别影响”。不过，针对明确的、故意的歧视的禁令仍然有效。
取消在就业相关案件中常见的差别影响责任追究，移除了美国政府数十年来用于监管住房、教育、放贷及其他领域种族和性别歧视的一项工具。
消费者权益组织谴责了这项新规，消费者金融保护局敲定的这一变更可能引发法律诉讼。
差别影响法律原则源自最高法院的判例。不过白宫方面辩称，该原则破坏了机会平等，并且阻碍企业基于业绩和技能做出招聘及其他雇佣决策。
消费者权益倡导者表示，停止执行差别影响要求将使经济众多领域的反歧视工作变得更加困难。
道格拉斯·吉利森 华盛顿报道；千住 Nomiyama 编辑
本报守则：汤森路透信托原则
Trump consumer finance watchdog ends key civil rights-era anti-discrimination protection
2026-04-21 1:28 PM UTC / Reuters
By Douglas Gillison
April 21, 2026 1:28 PM UTC Updated 2 hours ago
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Signage is seen at the Consumer Financial Protection Bureau (CFPB) headquarters in Washington, D.C., U.S., May 14, 2021. REUTERS/Andrew Kelly/File Photo
WASHINGTON, April 21 (Reuters) – The U.S. federal consumer finance watchdog agency on Tuesday formally ended certain civil-rights-era antidiscrimination requirements for the lending industry, according to a notice in the federal register.
The change from the Consumer Financial Protection Bureau made good on a directive from President Donald Trump to curtail long-standing policies he views as a burden on businesses, but that advocates say are fundamental to protecting the rights of American consumers.
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Federal regulations no longer require that, under the 1974 Equal Credit Opportunity Act, lenders prevent policies and practices with unintentionally discriminatory results for borrowers, known as “disparate impacts.” Prohibitions against explicit and intentional discrimination remain in place.
Curbing disparate-impact liability, which is common in employment-related cases, removes a tool the government has used for decades to police racial and gender discrimination in housing, education, lending and other areas.
The change finalized by the CFPB raises the possibility of legal challenges from consumer rights organizations who have denounced the change.
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Disparate impact legal doctrine is rooted in Supreme Court precedent. However, the White House has argued that the doctrine undermines equal opportunity, and that it hinders businesses from making hiring and other employment decisions based on merit and skill.
Ceasing to enforce disparate-impact requirements will make preventing discrimination in large sectors of the economy much harder, consumer advocates say.
Reporting by Douglas Gillison in Washington; Editing by Chizu Nomiyama
Our Standards: The Thomson Reuters Trust Principles.
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