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Housing |
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African,
Hispanic (Latino), and Asian Americans
and the Housing market |
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Owning a home is
the "American dream". For Ethnic minorities, whose average annual
household income is less than the national average, achieving enough wealth
and income to buy their own home is even harder. Federal law prohibits
housing discrimination based on your race, color, national origin, religion,
sex, family status, or disability. This applies whether you are trying
buy or rent housing, and covers a wide range of companies (i.e. banks,
insurance companies, real estate brokerages) and individuals (i.e.
landlords, loan officers, real estate agents).
If you are trying to rent housing, you cannot be discriminated against in the following
ways:
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Refuse to rent or sell housing
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Refuse to negotiate for housing
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Make housing unavailable
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Deny a dwelling
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Set different terms, conditions or privileges for sale or rental of a dwelling
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Provide different housing services or facilities
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Falsely deny that housing is available for inspection, sale, or rental
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For profit, persuade owners to sell or rent (blockbusting) or
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Deny anyone access to or membership in a facility or service (such as a multiple listing
service) related to the sale or rental of housing.
If you are trying to buy a housing, you cannot be discriminated against in the
following ways:
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Refuse to make a mortgage loan
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Refuse to provide information regarding loans
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Impose different terms or conditions on a loan, such as different interest rates,
points, or fees
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Discriminate in appraising property
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Refuse to purchase a loan or
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Set different terms or conditions for purchasing a loan
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Housing News |
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Click here for the latest
Housing news |
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Tools & Information |
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File a housing discrimination
claim with HUD |
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If you are trying to buy or rent an apartment or home and believe you have been
discriminated against, you can file a claim with the U.S. Department of Housing and Urban
Development (HUD).
Click here for
instructions on how to file a housing discrimination claim. |
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Fair Housing Act |
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Title VIII of the Civil Rights Act
of 1968 (Fair Housing Act), as amended, prohibits discrimination
in the sale, rental, and financing of dwellings, and in other
housing-related transactions, based on race, color, national
origin, etc. |
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Frequently Asked Questions
about the Fair Housing Act |
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FAQ's as
provided by the U.S. Department of Justice |
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Community Reinvestment Act (CRA) |
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The CRA was enacted in 1977 to prevent
redlining and to encourage banks and thrifts to help meet the
credit needs of all segments of their communities, including
low- and moderate-income neighborhoods |
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Find a bank's
CRA rating |
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See how good a
job your bank does in lending to the community |
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Resources |
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Housing organizations |
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U.S. Department of Housing and Urban Development
Greenlining Institute
Center for Community Change |
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