Because discrimination have created a barrier to safe, affordable housing choices for everyone, people have struggled in finding the type and location of housing they desire. The fight for affordable housing have been long and contentious. However, Dr. Martin Luther King Jr. retains the title of “Father of Fair Housing.” In Dr. King’s words:
“We are here today because we are tired. We are tired of paying more for less. We are tired of living in rat-infested slums…Segregation not only harms one physically but injures one spiritually. It scars the soul. It is a system that forever stares the segregated in the face, saying you are less than. You’re not equal to.”
The Fair Housing Act was signed into law on April 4th, 1968 one week after Dr. King’s assassination.
Let’s take a look at current Fair Housing Laws.
The Federal Fair Housing Act and Fair Housing Amendments Act makes it illegal to discriminate based on the following seven protected characteristics:
The law also includes prohibited actions in the (a) sale of housing; (b) mortgage lending; and (c) in general. Let's look at these prohibitions.
In the sale of housing:
In mortgage lending:
If you've experienced discrimination in any of these PROHIBITIONS, please contact us. We might be able to assist you. For general questions about purchasing a home and how to prepare financially, contact Denise Garrett via email at firstname.lastname@example.org or by phone at (718) 385-6700 ext. 15.
Denise Garrett is a financial counselor at the LDCENY and has more than 25 years experience in financial counseling and retail banking.