Blog & Resources
Resource Center
Documents
DOJ, HUD, FHFA, Federal Financial Regulators Comment Letter to The Appraisal Foundation
February 4, 2022
Statement of Interest on Appraisal Discrimination, Department of Justice
March 25, 2022
Comment Re: OSTP’s RFI on Public and Private Sector Uses of Biometric Technologies
FAQ About the Coronavirus Disease for Fair Housing Initiatives Program Grantees and Applicants
Information about SBA Disaster Assistance, Lines of Credit, and Related
Coronavirus Aid, Relief, and Economic Security (CARES) Act — Full Text
Reports & Research
An AI Fair Lending Policy Agenda for the Federal Financial Regulators
Algorithms, including artificial intelligence and machine learning models (AI/ML), increasingly dictate many core aspects of everyday life. Whether applying for a job or a loan, renting an apartment, or seeking insurance coverage, AI-powered statistical models decide who will have access to the foundational drivers of opportunity and equality.
2021 Fair Housing Trends Report
The National Fair Housing Alliance (NFHA) has produced a report since the mid-1990s about the fair housing trends of the prior year. Over the years, the seven to 10 page report turned into a 100+ page treatise on myriad fair housing issues and trends. In 2021, NFHA has determined it will release information in a […]
Where You Live Matters
Majority-white areas have more traditional finance outlets (banks, credit unions and mortgage lenders), more fitness and health services and fewer alternative finance establishments (check-cashing, payday lenders, pawn shops etc). Across the ten metros and the business categories analyzed, Baltimore, Detroit, Oakland, and Philadelphia in particular had some of the widest gaps in access to amenities […]
Criteria for a Targeted Down Payment Assistance Program
According to the 2019 American Community Survey, homeownership among Black families is 30 percentage points below that of white families—a larger gap than existed in 1968 when the Fair Housing Act was passed. The disparity in homeownership rates is a large driver of the enormous racial wealth gap, with the median Black family having 13 […]
Protecting Homeownership From the Impact of COVID-19
During and after the Great Recession, almost eight million homeowners nationwide lost their homes to foreclosure. While vacant and abandoned homes blighted many neighborhoods throughout the country, tight access to credit locked many prospective owner-occupants out of the market. As a result, foreclosed properties were overwhelmingly sold to investors, and ultimately more than five million […]
Special Purpose Credit Programs
There is an increasing consensus that creditors must do more to address lending disparities for people of color. Director Kraninger of the Consumer Financial ProtectionBureau (CFPB) has promised steps to “help create real and sustainable changes in our financial system so that African Americans and other minorities have equal opportunities to build wealth and close […]
Article
Advocates call on top Democrats for $100B in housing investments (The Hill)
Advocates are calling on top Democratic lawmakers to allocate $100 billion for housing investments in the party’s multitrillion-dollar reconciliation bill. Three civil rights and fair housing groups penned a letter to top House and Senate Democrats on Monday, urging them to include the money in targeted first-generation down payment assistance in the $3.5 trillion bill to “take an initial step to reverse the harms of government-sponsored discrimination in the nation’s housing finance system.” Read more here.
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Issue
Disparate Impact Rule
Background on this Issue In August 2019, HUD published a proposed rule that will drastically weaken the use of Disparate Impact theory in fair housing cases. Disparate Impact is a long-standing critical tool used to prevent housing discrimination. More than 45,000 comments were submitted opposing the administration’s proposal to dismantle Disparate Impact under the Fair […]