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Chapter 21 Fair Housing, ADA, Equal Credit, and Community Reinvestment

_______________________________________. Chapter 21 Fair Housing, ADA, Equal Credit, and Community Reinvestment. Race Color Religion Sex National Origin Handicap Familial Status. Fair Housing. Protected Classes. Race Color Religion National origin Sex. Fair Housing.

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Chapter 21 Fair Housing, ADA, Equal Credit, and Community Reinvestment

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  1. _______________________________________ Chapter 21Fair Housing, ADA, Equal Credit, and Community Reinvestment

  2. Race Color Religion Sex National Origin Handicap Familial Status Fair Housing

  3. Protected Classes • Race • Color • Religion • National origin • Sex Fair Housing Equal Credit Opportunity Act • Family status • Handicap • Public assistance • Age • Marital status

  4. Illegal Acts • Refusing to sell or rent to, deal, or negotiate with any person; • Discriminating in the terms or conditions for buying or renting housing; • Discriminating by advertising that housing is available only to persons of a certain race, color, religion, sex or national origin, those who are not handicapped, or adults only:

  5. Illegal Acts • Denying or making different terms or conditions for home loans by commercial lenders; • Denying to anyone the use or participation in any real estate services, such as brokers’ organizations, multiple listing services, or other facilities related to the selling or renting of housing; • Steering or block-busting

  6. Steering • The illegal practice of directing home seekers to particular neighborhoods

  7. Block Busting • The illegal practice of inducing panic selling in a neighborhood for financial gain

  8. Passed in 1989. Parallels the Federal Fair Housing. Allows for the investigation discriminatory housing practices. Provides for criminal penalties. Texas Fair Housing Act

  9. ADA enacted July1992. Deals primarily with commercial property. Provides access requirements and prohibits discrimination against people with disabilities. Americans with Disabilities Act

  10. Provides for credit to all without regard to: Sex Marital status Race Color Religion National origin Age Receipt of public assistance income Equal Credit Opportunity Act

  11. Lender must define its community List types of credit offered to the community. Provide notice in lobby. Helps to keep community money available in the community! CRA Statement CRA

  12. ADA Block Busting CRA Familial status Handicapped Protected class Steering Tester Texas Fair Housing Act Key Terms

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