Rose Marie O'DOwD and George O'DOwD v. South Central Bell

TATE, Circuit Judge:

The plaintiffs, Rose Marie O’Dowd 1 and George O’Dowd (“the O’Dowds”), brought suit under the Equal Credit Opportunity Act (“the Act”), 15 U.S.C. § 1691 et seq. (1976), against the defendant South Central Bell Telephone Company (“South Central”) to recover damages resulting from alleged violations of the Act. The district court dismissed by summary judgment the O’Dowds’ claim upon finding, inter alia, (1) that the O’Dowds, a white couple, had no cause of action under the Act because they did not fall into a legally-recognized minority protected by the Act, and (2) that, if…