Fair Housing / Lending News

  The Fair Housing Act prohibits housing discrimination in the sale, lease, purchase,   investment or loan process, based on race, color, religion, sex, disability, familial status, or national origin, and have recently added protection for housing discrimination based on gender  identity and sexual orientation. The Department of Housing and Urban Development (HUD)  enforces the Act through the Fair Housing and Equal Opportunity office (FHEO). However, the  Fair Housing Act does not protect transactions or leases involving for sale or for rent by owner  properties and some owner-occupied buildings. Currently, a bill (the “Equality Act”) is waiting  to pass the Senate, which would amend civil rights law to ban discrimination on the basis of  sexual orientation, sex, and gender identity in credit and housing, employment, public  accommodations, public education, federal funding, and the jury system. This article discusses  certain LGBTQ homebuyer statistics, warning signs of housing disc

  A lack of knowledge by housing providers when it comes to LGBTQ housing rights: June is pride Month. A time when comminutes come together and celebrate the freedom to be themselves without discrimination. In housing there is a lack of knowledge by housing providers. The Federal Fair Housing Act protects against discrimination because of Sex (including gender identity and sexual orientation), however many landlords continue to disregard the law or plainly are not aware of the law. Some states and local governments also protect against discrimination because of a person‘s Sex (including gender identity and sexual orientation). Landlords/housing providers can learn more about the laws and obligations under the Fair Housing Act and HUD’s Equal Access Rule with respect to individuals who identify as Lesbian, Gay, Bisexual, Transgender, and/or Queer/Questioning (LGBTQ). In 2021, President Biden issued an executive order directing all federal agencies to interpret protections against disc

From redlining to  “pinklining,” a term most people have probably never heard, is hurting women and especially women of color.  The term comes from the 1970's term   redlining . T he term used by governments, agencies, banks and other lenders to deny people of color access to mortgages and credit. Those in charge of public policy and lending practices would draw a redline around certain neighborhoods with high concentrations of minorities and deny them financing and other forms of credit if they lived within those lines. Now, more specifically lenders are using the term "pinklining" ala redlining to identify neighborhoods and deny woman of color the chance to buy homes. Is There a Gender Gap in Home Equity Loans? (investopedia.com)

The Federal Fair Housing Act prohibits landlords from discrimination against tenants with disabilities, and that includes infection with COVID-19. As listed below, many states and local ordinances implemented anti-discrimination laws. Covid -19 infections fall under the disability rules, thus, a potential tenant is protected from disability discrimination. The same rules apply to homeowners’ associations. They cannot force an owner to move because they have COVID-19. https://chicago.suntimes.com/2020/6/19/21296312/evictions-eviction-moratorium-chicago-coronavirus-metropolitan-tenants-organization States Banning Evictions:  Illinois  - Governor Pritzker’s order precludes evictions on residential premises. (EO No. 8 -  https://www2.illinois.gov/IISNews/21288-Gov._Pritzker_Stay_at_Home_Order.pdf )  (EO No. 28 -  https://www2.illinois.gov/Pages/Executive-Orders/ExecutiveOrder2020-30.aspx ) Florida  - issued an order banning writs of possession. ( https://www.floridasupremecou

After a three-year investigation into alleged unequal treatment toward minority homebuyers in Long Island, New York, NY state has announced proposed regulations to combat housing discrimination that would impose certain mandates on brokers, sales people and agents in the real estate industry. The regulations will require real estate brokers to inform prospective home buyers, renters, sellers, and landlords information about the federal Fair Housing Act and the New York State Human Rights Law. The proposed regulations will require real estate brokers to display a notice containing the Human Rights Law protections, with information on how consumers can file complaints.  https://www.jdsupra.com/legalnews/new-york-bill-would-require-real-estate-27670/

Going Backwards Under This Administration:             HUD proposed a new rule, that according to fair housing advocates would significantly weaken efforts to reduce housing discrimination and segregation in the United States. The rule would largely reverse 2015 regulations designed to ensure that housing agencies and communities receiving [HUD] funding fulfill their obligations under the 1968 Fair Housing Act. HUD originally adopted the AFFH rule in 2015, during the Obama administration, to guide compliance efforts related to the Fair Housing Act. According to Center on Budget and Policy Priorities, the new proposed rule also conflates fair housing and affordable housing. It presumes that 1) eliminating various regulatory controls will expand the supply of affordable housing; and 2) expanding the supply of affordable housing will solve fair housing problems. Neither presumption is true. Additionally, the proposal let[s] localities off the hook by explicitly stating there wil