Which federal law is NOT primarily aimed at addressing privacy and identity protection with respect to credit?

The Equal Credit Opportunity Act (ECOA) is primarily focused on ensuring that all individuals have equal access to credit, regardless of race, color, religion, national origin, sex, marital status, or age. Its main objective is to eliminate discrimination in lending practices and to promote fair lending. While it plays a role in ensuring consumer protection in the lending process, it is not centered on privacy and identity protection related to credit.

In contrast, the Gramm-Leach-Bliley Act, Fair Credit Reporting Act, and FACT Act specifically address privacy concerns and the protection of consumer information. The Gramm-Leach-Bliley Act requires financial institutions to explain their information-sharing practices and to safeguard sensitive personal data. The Fair Credit Reporting Act regulates how credit information is collected, shared, and used, emphasizing consumer privacy and the accuracy of information in credit reports. Additionally, the FACT Act, which amends the Fair Credit Reporting Act, enhances consumer protections against identity theft and furthers privacy safeguards regarding consumer information.

Understanding these distinctions highlights why the ECOA is not primarily associated with privacy or identity protection within the realm of credit.