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This document details the appeal case of the Consumer Financial Protection Bureau (CFPB) against Townstone Financial, Inc. and Barry Sturner. The case revolves around allegations of discouragement of black prospective mortgage applicants, violating the Equal Credit Opportunity Act (ECOA) and its regulation, Regulation B. The Circuit Court reverses the district court\'s dismissal of the case, emphasizing the inclusion of prospective applicants under the ECOA\'s prohibitions.
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