January 24th, 2018 5:59 AM by Jackie A. Graves
Home buyers and mortgage borrowers in the U.S. are protected
from discrimination under Title VIII of the Civil Rights Act of 1968, which is
called The Fair Housing Act. Here is an overview of the Fair Housing Act
so you’re aware of your rights.
Fair Housing Act Is enforced by the U.S. Department of Housing & Urban
Development (HUD), and outlaws housing discrimination.
it comes to selling a home, HUD says that no one can take the following actions
based on race, color, religion, sex, national origin, disability, or the
presence of children:
it comes to financing a home, HUD says that no one can take the following
actions based on race, color, religion, sex, national origin, disability, or
the presence of children:
HUD maintains a full list of
discriminatory actions outlawed in home selling and mortgage lending.
you feel your rights have been violated, you should file a Fair Housing
Complaint with HUD.
can complete a Housing Discrimination Complaint Form and
submit it online.
you can file a complaint by visiting or calling your nearest HUD office.
if you’re disabled, HUD provides a toll-free TTY phone for the hearing impaired
(800-927-9275) as well as interpreters, tapes and braille materials, and
assistance in reading and completing forms.
addition to providing all your contact information, as well as the name,
company name, and address of the person who you believe discriminated against
you, you will also need to provide details about your complaint. Below is an
excerpt of what HUD asks you to provide:
you file a complaint, HUD will inform the alleged violator about your complaint
and investigate to determine if the Fair Housing Act was in fact violated.
can take up to 100 days to process this investigation, but if you don’t have
that much time, you can ask for an immediate review.
can expedite your case by allowing the Attorney General to litigate your case
if the evidence of discrimination is substantial and you can prove irreparable
harm will occur without immediate HUD assistance. HUD’s Fair Housing site uses this example
of a case that might be expedited:
builder agrees to sell a house but, after learning the buyer is black, fails to
keep the agreement. The buyer files a complaint with HUD. HUD may authorize the
Attorney General to go to court to prevent a sale to any other buyer until HUD
investigates the complaint.”
discrimination is determined to have occurred once a case is litigated —
whether it’s expedited or follows the normal timeline — the violator (which HUD
calls the respondent) may face the following consequences:
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