Which of the following laws was NOT implemented in part to help stem discrimination in mortgage lending?

The Home Mortgage Disclosure Act (HMDA) and the Equal Credit Opportunity Act (ECOA) were both enacted specifically to combat discrimination in the lending process. HMDA mandates financial institutions to provide data on their mortgage lending practices, which helps identify discriminatory patterns in lending. ECOA prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age.

The Fair Credit Reporting Act (FCRA) focuses on the accuracy and privacy of information in consumer credit reports, ensuring fair treatment in credit reporting but is not primarily aimed at addressing discrimination in mortgage lending. The DNCIA, which stands for the Debt Collection Improvement Act, is related to the collection of debts and does not directly address or combat discrimination in mortgage lending practices.

As such, identifying the DNCIA as the option that was not implemented to combat discrimination in mortgage lending is correct.