In separate actions, the Justice Department and the Federal Reserve Bank of Boston recently sent lenders what amounts to a single message about mortgage discrimination and how to prevent it.

The justice Department, after three years of analyzing 4,000 loan application files, in September settled its discrimination lawsuit against Decatur Federal Savings and Loan Association. The thrift, based in a suburb of Atlanta, set up a $1 million fund to provide relief to 48 blacks who had sought credit.

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