https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_housing_act_overview Own a rental property and don’t want street sitters? Too bad. Inherit grandmas house filled with memories from your childhood that you would love to see in the hands of a young couple wanting to do the same thing as your grandparents? Great nostalgia, but the illegals with government subsidies sure going to take it. https://www.thebalancemoney.com/fair-housing-act-violation-1798892 https://generisonline.com/understanding-anti-discrimination-laws-in-california-real-estate-transactions-tenant-rights-and-property-owner-responsibilities/ https://shelterforce.org/2023/03/21/three-ways-affh-has-advanced-housing-justice/ Here are more examples of amendments, rules, and acts in the context of real estate that aim to prevent discrimination or promote fair practices: 1. Fair Housing Act (FHA) - 1968 Major Amendments and Updates: 1. Fair Housing Amendments Act of 1988: • Added protections for disability and familial status (e.g., families with children under 18). • Strengthened enforcement powers of the Department of Housing and Urban Development (HUD), allowing HUD to initiate complaints. 2. Affirmatively Furthering Fair Housing (AFFH) (2015, revised in 2021): • Required jurisdictions receiving federal funds to actively combat segregation and remove barriers to fair housing. • Encouraged local governments to assess discriminatory practices in their housing policies. 3. Executive Orders: • Executive Order 13988 (2021): Expanded “sex” protections under the Fair Housing Act to include sexual orientation and gender identity. 2. Equal Credit Opportunity Act (ECOA) - 1974 Key Real Estate Context: 1. Dodd-Frank Act (2010): • Strengthened protections against discriminatory mortgage lending practices. • Enhanced oversight of mortgage disclosures to ensure transparency and fairness. 2. HMDA and ECOA Integration: • The Home Mortgage Disclosure Act (HMDA) works alongside ECOA to track lending patterns and identify potential discrimination, particularly in mortgage loan approvals. 3. Real Estate Settlement Procedures Act (RESPA) - 1974 Relevant Updates: 1. TILA-RESPA Integrated Disclosure Rule (TRID) - 2015: • Simplified and combined disclosure forms to ensure transparency in closing costs and terms for borrowers. • Helped prevent deceptive practices that could disproportionately affect minority buyers. 2. Anti-Kickback Rules: • Prohibited real estate professionals from receiving referral fees that could skew fair access to settlement services. 4. Americans with Disabilities Act (ADA) - 1990 Real Estate Implications: 1. ADA Amendments Act (2008): • Broadened the scope of disability protections to include accessibility in leasing offices, common areas, and public spaces within multi-family housing. • Ensured that real estate offices and commercial properties comply with accessibility requirements. 5. Community Reinvestment Act (CRA) - 1977 Updates: 1. 1995 Revision: • Increased emphasis on ensuring that banks meet the credit needs of low- and moderate-income communities. • Helped promote fair access to mortgage loans in underserved areas. 2. Current Revisions (Proposed 2021): • Aim to modernize CRA standards to reflect online and non-traditional lending practices. 6. Housing for Older Persons Act (HOPA) - 1995 • Clarified and updated exemptions under the Fair Housing Act for housing intended for seniors. • Allowed communities to legally restrict occupancy to individuals 55 and older, provided they meet specific requirements. 7. Home Mortgage Disclosure Act (HMDA) - 1975 Relevant Changes: 1. Dodd-Frank Act (2010): • Expanded HMDA reporting requirements to include additional data points, such as interest rates and credit scores, to help identify discriminatory lending patterns. 2. Data Transparency: • Lenders must report demographic data about applicants (e.g., race, ethnicity, and gender) to track discriminatory practices in lending. 8. State and Local Fair Housing Laws Many states and municipalities have passed additional legislation expanding protections beyond federal laws: 1. California Fair Employment and Housing Act (FEHA): • Prohibits housing discrimination based on sexual orientation, gender identity, and source of income. 2. New York State Human Rights Law: • Includes protections for lawful source of income (e.g., housing vouchers). 3. Chicago Residential Landlord and Tenant Ordinance: • Prohibits discrimination based on military status and domestic violence survivor status. 9. Anti-Steering and Anti-Blockbusting Rules 1. Anti-Steering: • Prohibits real estate agents from directing buyers or renters to specific neighborhoods based on their race, ethnicity, or religion. • Reinforced by HUD’s guidance under the Fair Housing Act. 2. Anti-Blockbusting: • Prevents agents from inducing panic selling by suggesting that demographic changes in a neighborhood (e.g., an influx of minority residents) will lower property values. 10. Accessibility Standards in Multi-Family Housing 1. Fair Housing Act Accessibility Guidelines (1991): • Mandates specific accessibility features for multi-family housing with four or more units, such as: • Accessible entrances. • Wide doorways. • Bathroom reinforcements for grab bars. 2. ADA Public Accommodations Rules: • Requires leasing offices, clubhouses, and other public areas in housing developments to comply with ADA standards.