How To Recognize Housing & Lending Discrimination

Are you in a “protected class”?

Protected Classes, Bases for Discrimination
Federal, state and local fair housing laws protections make it illegal to discriminate based on a person’s:
•    Race*
•    Color*
•    National Origin*
•    Religion*
•    Sex*
•    Familial Status*
•    Disability*
•    Age
•    Marital Status
•    Sexual Orientation
•    Gender Identity & Transgender Status
•    Ancestry
•    Military Discharge Status
•    Lawful Source of Income
•    Housing Status

*Only bases covered by the federal Fair Housing Act and also covered by state and local laws

Have you experienced a “prohibited act”?

Prohibited Acts
Under the Fair Housing laws, it is a prohibited violation, based on a person’s protected class to:
•    Refuse to rent or sell housing
•    Represent that housing is unavailable when in fact it is available
•    Show you apartments or homes only in certain neighborhoods
•    Set different terms, conditions, or privileges for sale or rental of a dwelling
•    Provide different housing services or facilities
•    Advertise housing to preferred groups of people only
•    Refuse to provide information regarding mortgage loans, deny a mortgage loan, or impose different terms or conditions on a mortgage loan
•    Deny property insurance
•    Conduct property appraisals in a discriminatory manner
•    Refuse to make certain modifications or accommodations for persons with a mental or physical disability
•    Fail to design and construct housing in an accessible manner
•    Harass, coerce, intimidate, or interfere with anyone exercising or assisting someone else with their fair housing rights

Some fair housing violations may occur blatantly such as:  a housing provider casually advising you that they don’t rent to families with children; or that their “no pet” policy prohibits you from renting if you have a service animal.  The vast majority of violations, however, may be more subtle:  a real estate agent providing you with options in only one community, but not showing you comparable options in other communities, or a housing provider sincerely representing that an advertised home or apartment has just been sold or rented, when in fact it was still available.

What are your options?