Final answer:
ECOA disclosures should be retained for 25 months to comply with legal requirements and provide evidence of information provided to consumers during the credit application process.
Step-by-step explanation:
ECOA disclosures should be retained for a period of 25 months according to the Equal Credit Opportunity Act (ECOA).
Under the ECOA, lenders are required to retain the disclosures for this duration to provide evidence of the information provided to consumers during the credit application process.
Retaining ECOA disclosures for the appropriate timeframe ensures compliance with legal requirements and allows for verification of the accuracy of the information provided.