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Reports & Research

From Policy to Practice: Essential Competencies for Federal Chief AI Officers

This report presents five policy recommendations centered on: Transparency of CAIO roles, Alignment Criteria, Development and Engagement initiatives, and Measures of Success to help federal agencies become more transparent in their implementation of Executive Order 14110 on the Safe, Secure, and Trustworthy Development and Use of Artificial Intelligence, and the related Memorandum from the Office […]
Reports & Research

Unlocking Fairness in Mortgage Decisions: An AI Breakthrough

“Improving Mortgage Underwriting and Pricing Outcomes for Protected Classes Through Distribution Matching” — A Joint Study by the National Fair Housing Alliance and FairPlay AI Mortgage underwriting disparities for historically underserved groups remain essentially unchanged despite several decades of legislative and policy interventions to improve them. Now with artificial intelligence, including machine learning, poised to […]
Reports & Research

National Fair Housing Alliance Awards $8.3 Million For ‘Inclusive Communities Fund’ Grants

In January 2023, the National Fair Housing Alliance (NFHA) announced the recipients of its $8.3 million Inclusive Communities Fund Grant Program. Local partners across 16 metropolitan areas will receive up to $185,000 each to help people access  equitable  housing opportunities and promote stable, healthy, viable communities. These funds were made available as part of last year’s historic settlement with […]
Reports & Research

Where You Live Matters: Access to Key Amenities is Worse in Communities of Color

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 […]
Reports & Research

Investing in Inclusive Communities: How Fair Housing Organizations Foster Diverse and Stable Neighborhoods Using the Federal Fair Housing Act.

Since the advent of the housing crisis in 2008, approximately 5.8 million homes across the country have been lost to foreclosure. Although many housing markets have since recovered from the collapse of U.S. home prices, the recovery has been uneven, and many communities throughout the nation have been stripped of wealth and equity. Many communities […]
Reports & Research

Here Comes the Bank, There Goes Our Neighborhood

Discriminatory practices rampant in America’s housing market have driven our nation’s foreclosure crisis. Already, a robust body of research has revealed that African-American and Latino borrowers received a disproportionate share of highcost subprime loans, often when they qualified for better, more sustainable loans. Further research demonstrates that foreclosures are not evenly distributed throughout our country’s […]
Reports & Research

Still No Home for the Holidays: A Report on the State of Housing and Housing Discrimination in the Gulf Coast Region

Over a year has elapsed since the hurricanes of 2005 wrought destruction and devastation on the Gulf Coast, yet countless numbers of evacuees remain unable to return home. Today, the region continues to undergo extensive repair and rebuilding but many people remain displaced, without stable long-term housing and usually struggling to make mortgage or homeowners […]