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Brief of the Consumer Financial Protection Bureau and the �鶹��ý Trade Commission supporting the appellant and urging a reversal. The brief argues that the term “applicant” as used in the Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691(a)(1), is best read to refer to existing holders of credit as well as persons who have sought but not yet been granted credit. The brief advocates a reversal of the district court’s ruling that the plaintiff, an existing credit holder, was not an “applicant” protected by the statute.