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Re: Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
Re: 2025-2027 Enterprise Housing Goals
Re: USPAP Fifth Exposure Draft and Advisory Opinions: Nondiscrimination Language
Re: CDFI Certification Application (OMB Control Number: 1559:0028)
Letter to FHFA Re: FHLBs
FHFA FinTech RFI Comment
NFHA Comments on OSTP RFI on Data for Racial Equity
Letter to Congress Re: PAVE Priorities for Appraisal Reform Legislation
NFHA Priorities for Appraisal Reform Legislation
NFHA PSA Catalog
NFHA Comment Letter Re: CRA NPR
What is LGBTQ-affirming
senior housing, and how is
it unique to the field?
SAGE’s National LGBTQ+ Elder Housing Initiative is now offering trainings for housing developers, property management, and service providers interested in developing LGBTQ-affirming affordable elder housing. Trainings will focus on the development, management, and service provision needs specific to this type of housing, as well as ways to build your unique competitive edge in the field.
Homeownership in Assessments of Fair Housing
Across the United States, Black and Latinx families are far less likely to own their residences than white families—and the gap has increased over the past few decades. The 1968 Fair Housing Act requires the federal government to affirmatively further fair housing (AFFH), with the goal of ending discrimination and achieving equitable access to housing—including […]
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
Advocates’ Letter to FHFA re: COVID-19 Resources for Borrowers with Limited English Proficiency
Sign-On Letter Re: FHFA Regulatory Capital Framework
Sign-On Letter to Sen. Brown Re: Fed and OCC Nominations
Fair Housing Month Keynote Event | April 27, 2021 | Highlights
Fair Housing Month is a great opportunity to celebrate the anniversary of the 1968 Fair Housing Act’s passage and reflect on what still needs to be done to fully realize the law’s stated goals of eliminating housing discrimination and residential segregation. As envisioned, the Fair Housing Act continues to be an important tool for achieving […]
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 […]
NFHA Letter to Sen. Brown Re: Fed and OCC Nominations
Letter Re: FHFA Request for Input regarding the Enterprises’ Equitable Housing Finance Plans
Guidance to Servicers Regarding the Homeowner Assistance Fund
This fact sheet includes the most recent guidance to mortgage servicers regarding receipt of notification that a homeowner has submitted an application for the Homeowner Assistance Fund.
Re: Draft NIST Special Publication 1270 – A Proposal for Identifying and Managing Bias within Artificial Intelligence
Letter Re: Policy Statement on Fair Lending; Comment Request 2021-N-7
NFHA and HPC Comment Letter Re: Policy Statement on Fair Lending; Comment Request 2021-N-7
NFHA et al. Comment Letter Re: Policy Statement on Fair Lending; Comment Request 2021-N-7
Civil Rights Coalition Eviction Moratorium Support Letter to Congress
Letter Re: Reinstatement of HUD’s Discriminatory Effects Standard
Letter to White House Urging Further Extension of Eviction Moratorium
Letter in Support of HR 4495 (Downpayment Toward Equity Act of 2021)
Letter Urging Congress to Extend Eviction Moratorium
Fair Housing Act
Title VIII of the Civil Rights Act of 1968, also known as the Fair Housing Act, was passed to address discrimination in the housing market. The Fair Housing Act makes it illegal to discriminate based on race, color, national origin, religion, sex, familial status, or disability in a variety of housing and housing-related activities. This […]
Precedent Setting Fair Housing Cases
Meyer v. Holly Jones v. Meyer Trafficante v. Metropolitan HUD v. Ocean Sands Chicago v. Matchmaker Angelique Strong v. Chatsford Manor Havens v. Coleman Community Improvement v. City of Modesto
Equal Credit Opportunity Act
The Equal Credit Opportunity Act (ECOA) prohibits discrimination by creditors against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, source of income, or because an applicant exercised any right under the Consumer Credit Protection Act. See Also: ECOA Regulation B
Community Reinvestment Act
Established by Congress in 1977, the Community Reinvestment Act (CRA) requires that banks and other deposit-taking financial institutions offer equal access to lending, investment, and other services within the geographic area surrounding each branch. The CRA was passed to address redlining, the practice of denying communities of color and low-income neighborhoods access to loans, investments, […]
Housing for Older Persons Act
The Housing for Older Persons Act of 1995 amended the Fair Housing Act of 1968 to address issues that arose concerning exemptions for senior housing when the FHA was amended to include protections against discrimination on the basis of familial status. HUD Final Rule on Implementation on the Housing for Older Persons Act Public Law […]
Home Mortgage Disclosure Act
Passed in 1975, the Home Mortgage Disclosure Act (HMDA) requires banks and financial institutions to report data abut mortgages to the general public. These data are important for ensuring that lenders are serving communities fairly and without discrimination.
Section 504 of the Rehabilitation Act of 1973
The Rehabilitation Act of 1973 was passed to extend a number of federal protections to people with disabilities in a variety of circumstances. Section 504 of the Act extended protections to people with disabilities in employment, education, and housing if these programs receive federal financial assistance. The Department of Housing and Urban Development (HUD) has […]
Title II and Title III of the Americans with Disabilities Act
The Americans with Disabilities Act of 1990 (ADA) prohibits discrimination and ensures equal opportunity for people with disabilities in a variety of areas, including employment, government services, public accommodations, commercial facilities, transportation, and housing. ADA Title II Regulations. Featuring: 1991 Preamble with Section by Section analysis, 2010 Guidance with Section by Section Analysis, & Supplementary […]
Title VI of the 1964 Civil Rights Act
Title VI of the Civil Rights Act of 1964 prohibits discrimination on the basis of race, color, and national origin in programs that receive federal funds. Overview of Title VI of the 1964 Civil Rights Act
Civil Rights Act of 1866
To read more about the Civil Rights Act of 1866, click here.
Civil Rights Act of 1870
To read more about the Civil Rights Act of 1870, click here.
Truth in Lending Act
The Truth in Lending Act (TILA) promotes the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed.
Recent REO Lawsuits & Complaints
NFHA et al. vs. Deutsche Bank NFHA et al. v. Federal National Mortgage Association NFHA et al. v. Bank of America NFHA et al. vs. US Bank NFHA et al. vs. Safeguard Properties NFHA et al. vs. Cyprexx Services NFHA et al. vs. Asset Management Specialists Conciliation Agreement, NFHA et al. and Wells Fargo Bank, N.A
Recent Settlements
Shockoe Valley View Apartments Press Release Settlement Agreement Rudeen Development Press Release Settlement Agreement
NFHA v. TRAVELERS
NFHA v. TRAVELERS This federal lawsuit alleged race, sex and source of income discrimination against Travelers Indemnity Company and Travelers Casualty Insurance Company of America (Travelers) for failing to provide habitational insurance to apartment owners who rent to tenants who participate in the Housing Choice Voucher program. This case settled in February 2018. Read about […]
NFHA v. BOA
NFHA v. BOA This fair lending complaint, filed with HUD, alleges that Bank of America of discrimination based on national origin by treating the Hispanic testers less favorably than the non-Hispanic testers. This complaint was charged by HUD. Read about the settlement here.
NFHA v. RE/MAX ALLIANCE/LEE GARLAND & RITA JENSEN TEAM AGENTS
In this complaint, testing revealed that agents of the Lee Garland and Rita Jensen Team of RE/MAX Alliance discriminated on the basis of race. The agents steered the white home seekers away from interracial neighborhoods in Jackson, which is majority African American, and into majority white areas. Conversely, the African American testers who inquired about […]
TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, ET AL. v. INCLUSIVE COMMUNITIES PROJECT, INC., ET AL.
TEXAS DEPARTMENT OF HOUSING AND COMMUNITY AFFAIRS, ET AL. v. INCLUSIVE COMMUNITIES PROJECT, INC., ET AL. On June 25, 2015, the U.S. Supreme Court, in a 5-4 decision written by Justice Kennedy, upheld the disparate impact doctrine under the Fair Housing Act. This precedent-setting opinion affirmed both 40 years of legal jurisprudence and the decisions of […]
NFHA and Civil Rights Groups Comments to HUD Re: Restoring Affirmatively Furthering Fair Housing Definitions and Certifications
Letter Re: Request for Information: Methods and Leading Practices for Advancing Equity and Support for Underserved Communities Through Government
Letter Re: Request for Information and Comment on Financial Institutions’ Use of Artificial Intelligence, including Machine Learning
Letter Re: Re: Special Purpose Credit Programs and the Fair Housing Act
Homeowner Assistance Fund
This fact sheet includes information information about the new Homeowner Assistance Fund, or HAF, which is a new program that was included in the recent American Rescue Plan, funded at $9.9 Billion.
NFHA Comment Letter RE: FHFA Request for Information on Climate and Natural Disaster Risk Management at The Regulated Entities
Letter Re: Docket No. CFPB-2021-0003, Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date
Comments in response to the Federal Housing Finance Agency’s (“FHFA”) Request for Information (“RFI”) on Appraisal-Related Policies, Practices, and Processes
Letter Re: Docket No. R-1723; RIN 7100-AF94; Modernizing the Regulatory and Supervisory Framework for Reg. BB, the Community Reinvestment Act
Comments in Response to the CFPB’s Notice of Proposed Rulemaking for the Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z)
Letter Re: Changes to the General Qualified Mortgage (“QM”) definition
COVID-19 Disability Memo
This fact sheet provides resources related to COVID-19, illegal housing discrimination, andprotections for people with disabilities and those who care for them under the Fair Housing Act.