The Consumer Financial Protection Bureau says it will go after lenders that discriminate against borrowers, employing the "disparate impact doctrine" in its efforts to root out bias. The policy, adopted by several federal agencies in 1994, states that policies or practices that have a "disparate impact," even if there wasn't a clear intention to be biased, can violate fair-lending laws. The CFPB said it would apply the doctrine to mortgages, credit cards, student loans and auto loans made by banks and nonbanks.

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