Fair Housing
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| 🇬🇧 | 🇬🇧 |
| Abolishes slavery | 13th amendment of 1865 |
| All citizens have property rights...state discrimination illegal, private discrimination still legal | Civil Rights Act of 1866 |
| People born in the US are citizens | 14th Amendment of 1868 |
| Depression era law creating US Housing Authority, giving subsidies to states for housing | Housing Act of 1937 |
| JFK. Federal Govt wont discriminate in housing that it owns/runs | Ex Ord 11063 of 1962 |
| LBJ. Prohibits discrimination on the basis of color, race, or national origin for programs that receive federal financial assistance. | Civil Rights Act of 1964 |
| Early reg that protects LEP individuals (dont speak english) | Title VI of CRA of 1964 |
| LBJ. US Govt/Contractors cant discriminate in hiring | Ex Ord 11246 of 1965 |
| LBJ. Bans discrimination on the basis of race, color, religion and national origin in housing xactions | Fair Housing Act of 1968 |
| Added sex as protected class for buying and renting | Housing & Comm Development Act of 1974 |
| Handled discrimination in lending and finance | Equal Credit Opportunity Act of 1974 |
| Outlaws redlining, adds Loan Application Register, etc | Home Mtg Disclosure Act of 1975 |
| Prohibits discrimination on the basis of age in programs or activities receiving fed $$ | Age discrimination Act of 1975 |
| Encourages lending institutions to meet the needs of borrowers in the local communities in which they are charted | Comm Reinvestment Act of 1977 |
| Reagan. HUD in charge of assessing penalties for FHA of 1968. Removed $1000 cap on punitive damages. Added Familial Status and Handicap to protected classes | Fair Housing Amendments Act of 1988 |
| Mirrors Fed housing law. Enforced by SC Human Affairs Commission | SC Fair Housing Law of 1989 |
| Details the type of advertising prohibited under the Fair Housing Act | 'Advertising Guidelines' (HUD book) |
| Clinton. Created Presidents Fair Housing Council to coordinate fed agencies to pitch in on fair housing | Ex Ord 12892 of 1994 |
| Clinton. Addresses Environmental impact on poor and their housing situation | Ex Ord 12898 of 1994 |
| Method by which HUD investigates advertising illegalities | Guidance Regarding Advertisements Under §804 (c) of the FHA (1995) |
| Clinton. Improve LEP access to federal services | Ex Ord 13166 of 2000 |
| GWB. Community-Based Alternatives for Individuals with Disabilities, part of New Freedom Initiative | Ex Ord 13217 of 2001 |
| Issued rule that protects LGBT renters and homeowners from discrimination | Fair Housing Act rule change in 2011 |
| Copied rule that protects LGBT renters and homeowners from discrimination | NAR Ethics Code change in 2011 |
| Applicants get free copies of all appraisals and other written valuations, 30 days decision time, etc | ECOA Reg B, circa Dodd-Frank 2013 |
| Missouri. Blacks arent citizens, therefore cant sue | Dred Scott vs Sanford, 1857 |
| Created "separate but equal" legal theory | Plessy vs Ferguson, 1883 |
| U.S. Supreme Court refused to impose a restrictive covenant in housing against individuals of Chinese descent | Gandolfo vs Hartman, 1892 |
| First code of ethics in real estate, modified in 1934 to incorporate racial exclusion | National Assoc of Real Estate Boards Code of Ethics, 1913 |
| Kentucky. A city ordinance prohibited the sale of real property to black individuals which was in violation of the 14th Amendment | Buchanan vs Warley, 1917 |
| New York City. Private housing developments can discriminate | Stuyvesant/Peter Cooper Village vs NY, 1947 |
| US Supreme Court ruled racially restrictive covenants were unconstitutional | Hurd vs Hodge, 1948 |
| "Separate but equal" gets reversed, segregation unconstitutional | Brown vs Board of Education, 1954 |
| Ruled that the CRA of 1866 banned private, as well as govt, racial discrimination in housing | Jones vs Alfred Mayer Co, 1968 |
| Allowed tenants to sue their landlords for discriminatory rental practices | Trafficante vs Met Life Insurance, 1972 |
| Bans discriminatory advertising. Modern basis for established HUD advertising rules | United States vs Hunter, 1972 |
| Legalized secret shopping/testing to verify fair housing practices in realty | Haven Realty vs Coleman, 1982 |
| Protects workers 40 and older from age discrimination in work | Age Discrimination in Employment Act of 1967 |
| Forbids discrimination in homebuying and employment for aliens | Immigration Reform and Control Act of 1968 |
| Federally run facilities need to build accommodations for handicaps | Architectural Barriers Act of 1968 |
| Forbids sex discrimination in programs that receive federal $$ from the U.S. Dept of Education | Tt IX of US Education Amendments Act of 1972 |
| Forbids disability discrimination in programs that receive federal $$ from the U.S. Dept of Education | Sect 504 of the Rehabilitation Act of 1973 |
| Forbids age discrimination in programs that receive federal $$ from the U.S. Dept of Education | Age Discrimination Act of 1975 |
| Forbids discrimination on the basis of pregnancy | Pregnancy Discrimination Act of 1978 |
| Prohibit discrimination on the basis of disabilities in public/commercial facilities | Americans w Disabilities Act of 1990 |
| Protects civilian job rights for reservists and military deployed | Uniformed Services Employment Act of 1994 |
| Cant discriminate in hiring if someone might be prone to certain illnesses | The Genetic Information Act of 2008 |
| Fed $ to states/cities to help enforce fair housing | Fair Housing Assistance Program (FHAP) |
| Fed $ to private orgs to help enforce fair housing | Fair Housing Initiatives Program (FHIP) |
| Coordinates FDIC, NCUA, and OCC. Reports to Fed Reserve System | Fed Financial Institutions Examination Council (FFIEC) |
| Builds banking stability by insuring deposits. "Equal Housing Lender" | Federal Deposit Insurance Corporation (FDIC) |
| Oversees/insures credit unions | National Credit Union Administration (NCUA) |
| Charters, regulates, and supervises all national banks | Office of the Comptroller of the Currency (OCC) |
| Helps builders w Fair Housing compliance/design | Fair Housing Accessibility FIRST |
| Consortium of more than 220 private, non-profit fair housing organizations, state and local civil rights agencies, and individuals | National Fair Housing Alliance (NFHA) |
| Administers the Fair Housing Act inside of HUD, oversees Fannie and Freddie | Office of Fair Housing and Equal Opportunity (FHEO) |
| Offers community development activities such as affordable housing, anti-poverty programs, and infrastructure development | Community Development Block Grant (CDBG) |
| Serves homeless individuals and families by offering supportive services, emergency shelter, and transitional housing | Emergency Solutions Grant (ESG) Program |
| Low-income persons (at or below 80 percent of area median income) that are medically diagnosed with HIV/AIDS and their families are eligible to receive HOPWA-funded assistance | Housing Opportunities for Persons with AIDS (HOPWA) |