Key insight: The CFPB claims that the Equal Credit Opportunity Act does not include statutory language that would allow for a so-called "disparate impact" test for instances of unintended discrimination. What's at stake: The changes don't let lenders off the hook entirely. States such as California, Massachusetts and New Jersey maintain strict anti-discrimination rules, creating a compliance minefield for banks.Forward look: The CFPB is likely to be sued by state attorneys general and/or consumer advocacy g ...