![]() of Housing and Urban Development (HUD) or by calling HUD's telephone numbers, (202)708-1112 (Voice) or (202)708-1455 (TTY). What To Do if You Feel the Law Has Been Violatedĭiscrimination complaints about housing may be filed with the nearest office of the U.S. Equally as important, they may not follow such instructions from a homeseller or landlord. Real Estate agents, mortgage brokers and loan officers in a real estate transaction may not discriminate on the basis of race, color, religion, sex, disability, familial status or national origin. Real Estate Professionals' Responsibilities Additionally, you may not deny that housing is available or advertise a property's availability only to persons of a certain race, color, religion, sex, disability, familial status or national origin. You may not set any discriminatory terms or conditions in a purchase contract or a lease. Also, you cannot do so through your licensed broker or salesperson, who is also bound by anti-discrimination laws. Homesellers, prospective homebuyers, real estate agents, mortgage brokers and loan officers all have rights and responsibilities under the law.Īs a home seller or landlord, you are obligated not to discriminate in the sale, rental or financing of your property on the basis of race, color, religion, sex, disability, familial status or national origin. ![]() The federal Equal Credit Opportunity Act makes it unlawful to discriminate against anyone on a credit application due to race, color, religion, national origin, sex, marital status, age or because all or part of an applicant's income comes from any public assistance program. Title III of the federal Americans with Disabilities Act prohibits discrimination against persons with disabilities in commercial facilities and places of public accommodation. It prohibits discrimination in the sale, lease or rental of housing, or making housing otherwise unavailable because of race, color, religion, sex, disability, familial status or national origin. The Act makes fair housing a national policy throughout the U.S. The federal Fair Housing Act of 1988 and Title VIII of the Civil Rights Act of 1968 constitute the Fair Housing Act. ![]() The Fair Housing Amendments Act of 1988 further broadens the definition to include age, sex, and handicapped status. In leasing or selling residential property, the Civil Rights Act of 1968 expands the definition of discrimination to include not only race, but also national origin, color, and religion. The federal Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property. These laws prohibit discrimination based on race, color, religion, sex, disability, familial status, and national origin. The original version appeared in the October 2002 edition of the Oklahoma Bankers Association Compliance Informer.įirst published on BankersOnline.Fair Housing: It's not just a nice thing to talk about, it's the law!įederal and state fair housing laws were put into effect to create an even playing field for homebuyers in all areas of a real estate transaction. Discriminatory housing practice means an act that is unlawful under section 804, 805, 806, or 818 of the Fair Housing Act. In oral advertisements, you can satisfy the requirement by including a statement, in the spoken text of the advertisement, that the bank is an "Equal Housing Lender" or an "Equal Opportunity Lender." To rent includes to lease, to sublease, to let and otherwise to grant for a consideration the right to occupy premises not owned by the occupant. Specifically, in written and visual advertisements, you can satisfy the requirement by including a copy of the Equal Housing Lender logotype OR the Equal Housing Opportunity logotype, along with the words "Equal Housing Lender" or "Equal Housing Opportunity." The ads must, in a manner appropriate to the advertising medium and format utilized, indicate that the bank makes such loans without regard to race, color, religion, national origin, sex, handicap, or familial status. They come into play when a bank, directly or through third parties, engages in any form of advertising of any loan for the purpose of:Ī dwelling or any loan secured by a dwelling. You need to use "Equal Housing Lending" or "Equal Housing Opportunity." The Equal Housing advertising requirements are covered under Section 338.3 of the FDIC rules for state-chartered nonmember banks. 2023 BSA/AML Top Gun Conference ON-DEMAND.2023 Lending Compliance Triage Conference.2023 Operations Compliance Triage Conference.
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