Fair Housing Act

  • May 14, 2012
    Guest Post

    By Melissa Rothstein, deputy director of the Equal Rights Center, and Megan K. Whyte, director of the Fair Housing Project at the Washington Lawyers’ Committee for Civil Rights and Urban Affairs. This is cross-posted at The Equal Rights Center’s blog.


    Fair Housing Month recently ended, and for most it was an opportunity to celebrate our country’s commitment to equal opportunity in housing for all people. Unfortunately, for some, it was instead another occasion for attacks on the crucial efforts to ensure enforcement of our country’s fair housing laws.

    In one such example, Congress launched an investigation into why the City of St. Paul withdrew an appeal in the Supreme Court that had the potential to eviscerate the validity of disparate impact challenges under the Fair Housing Act (FHA), despite the rulings of eleven federal circuit courts of appeal that uniformly held that disparate impact claims are cognizable under the FHA. In another example, Republican presidential candidate Mitt Romney suggested that, if elected president, he would consider disbanding the Department of Housing and Urban Development (HUD), an agency for which his father once served as Secretary.

    These actions come on the heels of a disturbing trend by federal courts of imposing additional hurdles on fair housing plaintiffs. Even in the face of efforts to make it more difficult for plaintiffs to enforce their statutory rights, the continuing role of fair housing organizations in enforcing the provisions of the FHA cannot be overstated. Private fair housing organizations and other civil rights groups investigate two out of every three fair housing complaints filed across the country – and their ability to enforce fair housing violations is critical to the promise of equal housing opportunity for all. These organizations are able to conduct investigations efficiently and effectively with little of the bureaucracy and overhead costs that may be associated with governmental agencies, and to gain the trust of disenfranchised community members who may not feel comfortable lodging a complaint with a government entity. 

    Officials at HUD and DOJ – the federal agencies with authority to enforce the FHA – recognize the importance and value of private enforcement, as they lack the resources to effectively enforce the FHA on their own. As detailed in our recent American Constitution Society Issue Brief, Congress intended for private enforcement to be a key component of ensuring FHA compliance, and the 1988 FHA amendments were largely intended to amend the law’s enforcement mechanism so that, in Senator Kennedy’s words, it would no longer be “a toothless tiger.”  

  • April 27, 2012
    Guest Post

    By Leslie Proll, Director of the NAACP Legal Defense & Educational Fund’s Washington Office


    The current foreclosure crisis constitutes a monumental civil rights issue. Communities of color were targeted for risky mortgage loans, have experienced disproportionately high foreclosure rates, and have been stripped of vast amounts of wealth because of discriminatory lending practices. From 2005 to 2009, median wealth fell by 66 percent among Latino households and 53 percent among African-American households, compared with just 16 percent among white households, largely due to declining home values. From 2009 through 2012, African Americans are projected to lose an estimated $194 billion in housing equity, and Latinos are expected to lose $177 billion.

    Unfortunately, there is reason to believe that the destructive effects of the foreclosure crisis on communities of color have yet to be fully realized. They face another devastating blow caused by further discriminatory treatment towards homes and neighborhoods by the very lenders who initiated the foreclosures. 

    The civil rights problems that permeate the foreclosure crisis are unfolding in stages. First, lenders targeted communities of color with subprime and other risky loan products that led to foreclosure. Last year, the U.S. Department of Justice (DOJ) announced the largest residential fair lending settlement in history, in which Bank of America agreed to pay $335 million to settle allegations that Countrywide Financial discriminated against African-American and Latino borrowers during the housing boom. DOJ found that Countrywide loan officers and brokers charged higher fees and interest rates to 200,000 African-American and Latino borrowers than to white borrowers who posed the same credit risk. Countrywide also steered borrowers of color into costly subprime mortgages when white borrowers with similar credit profiles received prime loans. Countrywide was not an isolated example. Other research has found that African-American and Latino borrowers were much more likely to receive subprime loans than white borrowers, even after controlling for income level or credit risk. 

  • January 27, 2012
    Guest Post

    By Hilary O. Shelton, Director, NAACP Washington Bureau & Senior Vice President for Advocacy and Policy


    In January, communities throughout the United States join together to commemorate the life and contributions of the Reverend Dr. Martin Luther King, Jr.  It is around Dr. King’s birthday when many schoolchildren embrace the Civil Rights Movement, recite parts of Dr. King’s “I Have a Dream” speech, and truly understand that they can be whatever and whomever they want to be.  

    Most of us know the tragic tale of Dr. King’s assassination on April 4, 1968, but far too many people don’t know that Dr. King’s final legislative victory is one of his most enduring but largely ignored achievements.  Much of his work during the Chicago Freedom Movement in 1966 was an initiative to ensure just and equal access to quality housing for African-Americans. Dr. King’s historic march in Marquette Park laid the groundwork for our nation’s fair housing laws.  One week after Dr. King’s death, Congress passed the federal Fair Housing Act, a law that protects us from discrimination in housing based on race, religion, color, sex, national origin, familial status and disability. 

    The Fair Housing Act codifies the affirmative responsibility to end segregation and promote integration throughout the United States.  The National Fair Housing Alliance’s (NFHA) issue brief released this week by ACS, “The Promise of the Fair Housing Act and the Role of Fair Housing Organizations,” discusses Dr. King’s quest for fair housing and how fair housing organizations do their part to keep The Dream alive. 

    Today, the Fair Housing Act is a well-crafted tool that must continue to be sharpened in a nation that continues to grow and diversify.  Census projections indicate that in less than 30 years, our nation will be made up mostly of people of color. Yet, the nation our children grow up in today remains strikingly similar in some respects to the nation Dr. King was trying to change.  At the end of every school day, most children of all backgrounds return to segregated neighborhoods.  In neighborhoods of color, there are significantly fewer opportunities for children to reach their true potential.

  • January 26, 2012

    by Jeremy Leaming

    In a time when many are seriously discussing the nation's inequalities, such as the growing gap between the nation’s wealthy and everyone else, authors of a new ACS Issue Brief say such discussion should not overlook or ignore large swaths of our society that are being dealt a harsher blow than others.

    For example, the collapse of the housing market has taken an enormous toll on the middle class. But the National Fair Housing Alliance’s Jorge Andres Soto and Deidre Swesnik detail in their Issue Brief how African Americans and Latinos in cities throughout the nation have fared worse than others because of pervasive discrimination. The disparity is due in part, they assert, because of the “peddling of high-cost subprime, predatory loans in communities of color” They note that the Center for Responsible Lending found that among “borrowers with good credit, African Americans and Latinos received high interest loans more than three times as often as white borrowers among loans originated between 2004 and 2008.”

    Citing a 2010 report from the NFHA and the Center for Applied Policy at the University of Wisconsin, Soto and Swesnik write that more than 28,000 complaints of housing discrimination were “investigated by private non-profit fair housing organizations, the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Justice (DOJ), and state and local government fair housing agencies.” They add that the number represents a fraction of the “annual incidence of housing discrimination in the United State, an amount exceeding well over four million acts of housing discrimination. That amounts to at least 11,000 incidents of housing discrimination each day throughout the United States.”

    And getting out of debt, according to a recent study by Robert M. Lawless, Dov Cohen, and Jean Braucher, is also significantly harder for black families, than white families. Reporting last week on that study, The New York Times said it shows that “lawyers were disproportionately steering blacks into a process that was not as good for them financially, in part because of biases, whether conscious or unconscious.”