Communicating with your Landlord

This section contains some sample letters to use in officially communicating with your landlord.

 

 

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    Definitions of Commonly Used Terms and Acronyms

    Commonly used terms and acronyms related to Fair Housing.

    Blockbusting – Encouraging an owner to rent or sell quickly and at a loss by appealing to the fear that prospective purchases or tenancies by members of a minority group will bring a loss of value.

    Channeling – Sending a person into a neighborhood, or not showing some neighborhoods, based on ethnic identity. (e.g.,In the Treasure Valley, Latinos are routinely shown realty listings in the Nampa/Caldwell area rather than Boise).

    Dwelling – Any building, structure, or portion of a building that is occupied or intended to be occupied.  Any of the above where a person intends to return.

    Familial status – Presence of children under 18 years old, pregnant women, persons in the process of adopting

    FHA – Fair Housing Act

    HUD – Department of Housing and Urban Development

    IFHC – Intermountain Fair Housing Council

    ILAS – Idaho Legal Aid Services, Inc.

    LEP – Limited English Proficiency

    Protected class – Race, Color, Sex, Religion, National Origin, Familial Status, Disability

    Reasonable Accommodation – An accommodation in rules, policies, practices, or services when such accommodation may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling.

    Reasonable Modification – Modifications of existing premises occupied or to be occupied be a person with a disability if such modification may be necessary to afford such person full enjoyment of the premises.

    Redlining – Lender o insurer refuses their services or requires additional costs in certain neighborhoods.

    Steering/Separating/Segregating – Encouraging a person’s housing choice based on their belonging to a protected class (e.g., a mobile home park that forces all Latino residents to live in the back portion of the park or an apartment complex that encourages families with children to live on the ground floor.)

     

    The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

     

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      Disability

      A summary on a housing provider’s obligation to make reasonable accommodations and modifications which may be necessary to afford a person with a disability the equal opportunity to use and enjoy a dwelling.

       

       

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        Fair Housing Act Includes Sexual Orientation and Gender Identity Discrimination - Feb. 11, 2021

        The U.S. Department of Housing and Urban Development (HUD) issued a press release on February 11, 2021 that they will begin enforcing the Fair Housing Act to include protection against discrimination based on sexual orientation and gender identity. 

        HUD will also begin to review all claims of discrimination on the basis of gender identity or sexual orientation received since Jan. 20, 2020.

        To read HUD's press release for more information, please click here: HUD Press Release on the Fair Housing Act and Sexual Orientation and Gender Identity Discrimination.

        Persons who believe they have experienced housing discrimination may file a complaint by contacting HUD's Office of Fair Housing and Equal Opportunity at (800) 669-9777 (voice) or (800) 877-8339 (TTY/Relay). Housing discrimination complaints may also be submitted online at hud.gov/fairhousing.

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          Fair Housing Act Overview of Law

          Fair Housing Act

          a.       The Fair Housing Act, Title VIII of the Civil Rights Act, prohibits discrimination in the sale and rental of housing.  It prohibits any discrimination that is based on a person’s: Race, Color, Sex, Religion, National Origin, Disability, or Familial Status.  These are called “the protected classes.”

          b.      The purpose of the FHA is to allow everyone in the community freedom to choose where they live. 

          c.       The Federal Fair Housing Act applies to any provider with 4 or more properties and is enforced by the US Dept of Housing and Urban Development (HUD).

          d.      The State of Idaho’s fair housing laws prohibits discrimination based on Race, Color, Sex, Religion, National Origin, Disability – but not familial status.  It applies to any provider with 2 or more properties and is enforced by the Idaho Human Rights Commission.

          e.       The FHA applies to “dwellings” which are defined as “any building, structure or portion of a building occupied or intended to be occupied.  Would apply to condos, duplexes, apartments, mobile homes, private homes, vacant land, homeless shelters, nursing homes, etc.

          f.       The FHA prohibits a party from refusing to rent or sell to a person b/c they are in a protected class.  It prohibits discrimination in the terms or conditions of a sale or rental.  It prohibits forcing a tenant to provide information about the extent of a disability.  It prohibits refusing to make reasonable accommodations or modifications for a person with a disability.  It prohibits segregating or separating people in housing.  It prohibits steering – which is where a person is encouraged towards certain neighborhoods based on their race, familial status, color or disability.  Redlining is also prohibited – which is where a lender or bank refuses to do business for certain neighborhoods.  Finally, the FHA prohibits applying different policies, terms or conditions upon persons in protected classes.

          g.      In regards to advertising, the fair housing act makes it illegal to print or publish advertisements that indicate a preference that is discriminatory.  Examples of illegal language in a rental or sale ad:  “Christian only”, “female only,” “adults only”, “near . . . Church”, “able-bodied only,” “must be employed,” “no espanol.”  One exception is that roommates may advertise for gender only. 

          h.      The Fair Housing Act and Persons with Disabilities

          i.      Disability is defined under the FHA as “a physical or mental impairment that substantially limits one or more major life activities.”  A major life activities is an activity of central importance to daily life, such as walking, speaking, caring for one’s self, etc.  The following are examples of conditions that could qualify as a disability under the FHA:  visual, speech, or hearing impairments, autism, cancer, diabetes, AIDS, mental illness, prior drug addiction (current users not covered).

          ii.      Reasonable Accommodations and Modifications

          1.      A landlord must permit a tenant with a disability to make reasonable modifications to a rental unit or common areas.  A RM is a change to the physical changes – such as building a ramp or installing grab bars in the bathroom.

          2.      A landlord must permit a tenant with a disability to have a reasonable accommodation – which is an exception or change to the rules, policies, services, or regulations – such as requesting a support animal or requesting only first floor units.

          3.      The tenant must provide proof of their need for the modification or accommodation by submitting a proof of need letter from a qualified professional – typically their primary care physician. 

          4.      Housing providers cannot ask about the nature or severity of the disability, cannot charge additional fees or deposits, and cannot deny the request if it is reasonable and proof of necessity is presented.

          i.        Fair Housing Act Complaints

           i.      If a member of a protected class has been discriminated against in obtaining or using their housing, a fair housing complaint can be filed.  Examples of discriminatory acts:  refusal to rent to a person in a protected class, refusing a RA or RM request, harassment of a person in a protected class, applying different policies or charges to a person in a protected class.  FHA complaints can be filed with HUD by going to www. Hud.gov or calling 1-800-669-9777 or by calling Intermountain Fair Housing Council at 334-2873.  Violations of Idaho’s state fair housing laws can be filed by calling the Idaho Human Rights Commission at 334-2873.  Complaints to HUD must be filed within one year of the discrimination. 

           

          The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

           

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            Fair Housing Advertising

            Guidance from the US Dept of Housing and Urban development on fair housing advertising, including common words and phrases to avoid in placing housing advertisements.

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              Fair Housing Discrimination in the Home Buying and Selling Process

              What is the Fair Housing Act?

              The Fair Housing Act is a part of the Civil Rights Act of 1968. The Fair Housing Act protects people from discrimination when they are renting or buying a home, getting a mortgage, seeking housing assistance, or engaging in other housing-related activities. 

              Additional protections may be found in federally-assisted housing.

              Federal laws prohibit discrimination in housing and community development programs and activities. The FHA also requires that all federal programs relating to housing and urban development be administered in a manner that affirmatively furthers fair housing.

               

              What Is Discrimination under the Fair Housing Act?

              The federal Fair Housing Act prohibits discrimination in housing because of:

              • Race
              • Color
              • National Origin
              • Religion
              • Sex
                • Including gender identity, sexual orientation, and sex discrimination
              • Familial Status
                • Discrimination against a family with one or more individuals who are under 18 years of age.
                  • Exception: housing for older persons – certain senior housing facilities and communities
              • Disability
                • Includes both physical and mental impairments
                • Includes reasonable accommodation and modification requests
                  • Including support animal requests

               

              What Types of Acts are Discriminatory under the Fair Housing Act in the Home Buying and Selling Process?

              The Fair Housing Act makes it illegal to discriminate against someone because of race, color, religion, sex (including gender, gender identity, sexual orientation, and sexual harassment), familial status, national origin or disability at any stage of the home buying and selling process, including:

              • Mortgage approvals and denials
              • Mortgage Terms, e.g. interest rates, points, fees and other costs
              • Advertising
              • Mortgage broker services
              • Property appraisals
              • Servicing
              • Home loan modification assistance
              • Homeowners insurance

              The Fair Housing Act prohibits discrimination in loans that are secured by residential real estate or that are for the purchasing, constructing, improving, repairing or maintaining a dwelling. This includes mortgages, refinancing, home equity loans and home improvement loans.

              Some examples of discriminatory acts in the home buying and selling process may include:

              • Refusal to make a mortgage loan or provide other financial assistance for a dwelling
              • Example: refusing to provide a mortgage to a person on parental leave
              • Example: refusing to consider an applicant’s disability-related income, such as SSI or SSDI
              • Refusal to provide information regarding loans
              • Imposing different terms or conditions on a loan, such as different interest rates, points, or fees
              • Discriminating in appraising a dwelling
              • Conditioning the availability of a loan on a person’s response to harassment
              • Refusing to purchase a loan

              Under the Fair Housing Act, these acts are discriminatory if they are based on someone’s race, color, national origin, disability, sex, religion, or familial status.

               

              What Is an Appraisal?

              An appraisal is a point-in-time opinion of value.

              In order to issue a home loan, the lender (typically a bank) must conduct an appraisal to determine the value of the home they will finance under a home mortgage loan (for a purchase or refinance transaction).

              The appraiser’s scope of work typically includes:

                  -the type of property inspection (interior, exterior only, or no    inspection);

                  -what approaches to value are required (sales comparison, cost, or income); and

                  -any lender-specific requirements.

               

              What Are Examples of Appraisal Bias?

              Language in an appraisal that indicates bias

              Examples:

              • Noting that a nearby shopping plaza featured “storefronts supplying Jewish Households."
              • Referring to an area with a growing immigrant population as “one spicy neighborhood.”
              • Including that an area was “originally founded as a whites-only city or sundown town” but had become “fairly diverse” with a “diverse school system.”

              Appraisal estimates that are significantly different in value

              Example: An African-American family received an appraisal of their home that they believed was low and then removed all evidence of their African-American culture, including pictures and art, and had their white friend greet the appraiser and received a much higher appraisal value.

               

              Fair Housing Act Video on the Home Buying and Selling Process

              Idaho Legal Aid Services, Inc. has created a video on fair housing discrimination in the home buying and selling process under the federal Fair Housing Act. Check out our video on our Youtube page here: 

              English: https://youtu.be/BrFWkPIDzOQ

              Spanish/Espanol: https://www.youtube.com/watch?v=tjpNI96Z55k

               

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                Fair Housing in Idaho: Resources

                Idaho Legal Aid

                Housing Advice Line: call us at (208) 746-7541 or apply online at our website. 

                www.idaholegalaid.org

                Intermountain Fair Housing Council

                208-383-0695 in Boise area or 1-800-717-0695 (toll free)

                Idaho Human Rights Commission

                208-334-2873 in Boise area or 1-888-249-7025 (toll free) or 208-334-4751 (TDD/TTY)

                Department of Housing and Urban Development

                www.hud.gov

                1-800-669-9777 or 1-800-927-9275 (TDD)

                National Fair Housing Alliance

                www.nationalfairhousing.org

                U.S. Department of Justice

                www.usdoj.gov/crt/housing/

                Idaho Commission on Human Rights

                http://humanrights.idaho.gov/

                John Marshall School Of Law Fair Housing Legal Support Center

                http://www.jmls.edu/fairhousingcenter/

                 

                Consolidated Planning

                Review Consolidated Plans and Analysis of Impediments for State of Idaho, Boise, Coeur d’Alene, Idaho Falls, Lewiston, Meridian, Nampa, and Pocatello:

                http://www.hud.gov/offices/cpd/about/conplan/local/id/

                 

                The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

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                  Harassment and Retaliation Brochure - Multiple Languages

                  This brochure explains your Fair Housing Act rights related to harassment and retaliation. This brochure is available in English, Spanish, Pashto, Chinese, Mandarin, and Arabic.

                  This brochure is also available as an audio recording in English. For the audio recording, please click here to visit our YouTube page: https://youtu.be/hgTUhrRka78.

                  For the brochures, please click on the PDFs below.

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                    Healthy Housing is Fair Housing: Mold, Bed Bugs, and More

                    Condembed Houses Courtesy of the Library of Congress 

                    Addressing issues that can lead to unhealthy housing and looks at how unhealthy housing can sometimes be a Fair Housing issue.

                     

                     

                     

                     

                     

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                      Housing Harassment and Retaliation

                      The Fair Housing Act prohibits efforts to coerce, intimidate, threaten, or interfere with any person’s fair housing rights. See 42 United States code 3617. This includes harassment and retaliation against a person exercising their fair housing rights.

                       

                      Harassment

                      Harassment may include discriminatory acts based on race, color, religion, sex, national origin, sexual orientation, disability, and familial status. Examples of harassment that violate the Fair Housing Act include:

                      • A tenant repeatedly yelling anti-Muslim slurs at a Muslim tenant;
                      • Taunting, threatening, or making fun of a neighbor with a cognitive or mental disability;
                      • A maintenance employee making anti-LGBTQ comments to a bisexual tenant;
                      • A tenant telling an Asian tenant to “go home” and “stop spreading China flu”;
                      • Placing multiple anti-Semitic flyers around the home of a Jewish family; or
                      • Other tenants yelling racial slurs at their Black neighbor.

                      These examples are merely representative – harassment can take many forms.

                       

                      Retaliation

                      Retaliation may include any adverse (negative) action taken against a person who tries to enforce their fair housing rights. For example, when a tenant reports a discriminatory practice or action to a housing provider, this complaint cannot lead to retaliation because the tenant has a right to try to enforce their fair housing rights. Even if the tenant’s complaint is unfounded or without basis, a retaliatory action based on that complaint is a violation of the Fair Housing Act.

                      Examples of retaliation that violate the Fair Housing Act include:

                      • A tenant that coerces or threatens a housing provider to deny housing to a Hispanic applicant based on his national origin;
                      • A housing provider that threatens to evict a tenant who requests a reasonable accommodation related to their disability, such as a service animal;
                      • A housing provider that refuses to renew a tenant’s lease because they filed a HUD Complaint against the housing provider;
                      • A housing provider that raises a tenant’s rent after that tenant shared Fair Housing Act information with other tenants; or
                      • A housing provider that offers a female tenant free rent in exchange for sexual acts.

                      These examples are merely representative – retaliation can take many forms.

                       

                      HUD Complaint

                      If you believe you have been the victim of harassment or retaliation in violation of the Fair Housing Act, you can file a HUD Complaint by calling: 1-800-669-9777 (TTY: 1-800-877-8339) https://www.hud.gov/fairhousing/fileacomplaint%20.

                      It is illegal to retaliate against any person for making a complaint, testifying, assisting, or participating in any manner in a proceeding under HUD’s complaint process at any time, even after the investigation has been completed.

                       

                      Hate Crime Reporting

                      The FBI makes preventing hate crimes a top priority. If you believe you have been the victim of a hate crime, you can file a report with the FBI by calling: 1-800-CALL-FBI or submitting a tip at tips.fbi.gov.

                       

                      Idaho Legal Aid Services' Harassment and Retaliation Brochures

                      For more information on these issues, please view our Harassment and Retaliation Brochures here: https://www.idaholegalaid.org/node/2809/harassment-and-retaliation-brochure-english-and-spanish-espanol. For an audio recording of our Harassment and Retaliation video in English, please click here:  https://www.youtube.com/watch?v=hgTUhrRka78.

                       

                      Idaho Legal Aid Services' Harassment and Retaliation Video

                      Please view the video on Harassment and Retaliation to learn about your rights under the Fair Housing Act: 

                      English Version with Subtitles Available in Multiple Languages: https://www.youtube.com/watch?v=WN_lWSOYIZ8.

                      Spanish version: https://www.youtube.com/watch?v=o1ms7TaKb4E.

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                        How can I tell if I have been discriminated against?

                        The following activities may indicate discrimination.  You can follow up by requesting a written explanation from the housing provider or by contacting an agency, such as the Intermountain Fair Housing Council, who can do testing to see if discrimination is occurring. 

                        • Misrepresenting the availability of housing (e.g., telling you a property is not available when there is still a for rent/for sale sign up, still an ad listing the property, or other indications it is available).
                        • Steering you to certain buildings or properties based on your belonging to a protected class (e.g.,” we like to have the families in this building close to the playground”, or “that neighborhood isn’t a good fit for you”)
                        • Telling you they have no properties available for you
                        • Rules about adults sharing bedrooms or regarding male and female children sharing a bedroom
                        • Landlord claims it is not a safe place for children to live
                        • Landlord refuses to accept a support animal or requires a pet deposit for support animals
                        • Landlord denies your reasonable accommodation or reasonable modification request
                        • Realtor requires you to be pre-qualified before they will show you properties but they don’t require this of everyone
                        • Lender requires additional proof of income or co-signors because you belong to a protected class (e.g., national origin or disability)
                        • Cannot purchase in a community because of having children or because of your special needs due to a disability.
                        • Lending agent treats you badly, won’t return your calls, discourages you and you believe the treatment is based on your belonging to a protected class
                        • Mortgage company has a policy that eliminates your home from qualifying for a loan (e.g., “We don’t give loans under $50,000”)

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                          HUD Approved Housing Counseling Agencies

                          HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. This page allows you to select a list of agencies for each state below. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.

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                            HUD Predatory Lending

                            Over the last several years, our nation has made enormous progress in expanding access to capital for previously under served borrowers. Despite this progress, however, too many families are suffering today because of a growing incidence of abusive practices in a segment of the mortgage lending market. Predatory mortgage lending practices strip borrowers of home equity and threaten families with foreclosure, destabilizing the very communities that are beginning to enjoy the fruits of our nation’s economic success.

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                              HUD Resources

                              Design and Construction Resources

                              HUD Design Manual - Fair Housing Guidelines:

                              www.huduser.org
                              Select publications on the left
                              Select alphabetical listing on right
                              Select "F" for fair housing
                              Select Design Manual

                              ANSI - American National Standards Institute

                              11 West 42nd Street
                              New York, New York 10036
                              Can be purchased on-line from a variety of sources; cannot be reproduced

                              Fair Housing Accessibility First

                              1-888-341-7781
                              www.Fairhousingfirst.org

                              Reasonable Accommodation

                              www.hud.gov
                              Select "Fair Housing" from left column under "Homes"
                              Select "Reasonable Accommodation" from Quick Links on right
                              Download HUDIDOJ Statement

                              Keating Memo - Occupancy Standards

                              www.hud.gov
                              Select "Fair Housing" from left column under "Homes"
                              Select "Policies and Guidelines" from Quick Links on right
                              Select Keating Memo from list and download
                              Reasonable Accommodation is also on this list

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                                I am a Housing Provider

                                Housing Provider Page

                                This section is tailored for housing providers. It includes general fair housing information, guidance and tips for housing providers to meet your Fair Housing Act obligations, and information on what you can do if a fair housing complaint is filed against you.

                                Intermountain Fair Housing Council also can provide information and training on the Fair Housing Act to housing providers, learn more at https://ifhcidaho.org/

                                HUD has additional information and resources for housing providers with questions about reasonable accommodations and modifications here: https://www.hud.gov/program_offices/fair_housing_equal_opp/reasonable_accommodations_and_modifications#_Additional_Resources_1

                                 

                                Other Fair Housing Pages:

                                Please provide your feedback on the Fair Housing Portal.

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                                  I Have Questions About Fair Housing

                                  Do you have questions about fair housing law that have not been addressed on this site?  If so, this section is provided as a resource for you with a Frequently Asked Questions (FAQ) section, the option to submit questions, a list of key definitions, and a compilation of fair housing resources.

                                  Idaho Legal Aid offers a free Housing Advice Line to Idaho residents. Callers with legal questions related to their housing, such as questions related to the Fair Housing Act or discrimination in housing, can talk to an attorney for free by calling 208-746-7541. For more information about Idaho Legal Aid’s free legal advice lines visit: https://www.idaholegalaid.org/node/1067/covid-19-and-other-free-legal-advice-lines

                                   

                                  Other Fair Housing Pages:

                                  Please provide your feedback on the Fair Housing Portal.

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                                    I Want to Know the Law

                                    This section provides information on the Fair Housing Act and the classes of people it protects. Consumers can learn about their Fair Housing rights  and what they can do to exercise and protect those rights. Housing providers can learn about best practices and compliance with fair housing laws.

                                     
                                    Links to more information are available by clicking on the tabs above.

                                     

                                    Pages:

                                    Please provide your feedback on the Fair Housing Portal.

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                                      Lending and the Fair Housing Act

                                      Discrimination in mortgage lending is prohibited by the Fair Housing Act.  The Act makes it unlawful to engage in discriminatory practices based on race, color, national origin, religion, sex, familial status or handicap (disability).  Examples of discrimination in lending include:

                                      • Refusing to make a mortgage loan
                                      • Refusing to provide information regarding loans
                                      • Imposing different terms or conditions on a loan, such as different interest rates, points, or fees
                                      • Discriminating in appraising property
                                      • Refusing to purchase a loan or setting different terms or conditions for purchasing a loan

                                      Pre-Application Discrimination

                                      Prior to applying for a loan, many consumers contact lenders to inquire about mortgage lending and financing options available to them.  The information they receive at this stage, may determine whether they decide to enter the home buying market or will determine the parameters of their housing search.  Therefore, it is crucial that potential homebuyers obtain full and fair access to information about mortgage financing.

                                      To determine whether minority homebuyers receive the same treatment and information as whites at the pre-application phase of the loan process, the Urban Institute, under contract with HUD, conducted a study using the paired testing technique. In the paired tests, two individuals of different races who were equally qualified in every way were matched together. Posing as homebuyers, the two then inquired about the availability and terms for home mortgage loans. The pilot test results have shown that in both Los Angeles and Chicago, African American and Hispanic homebuyers face a significant risk of receiving less favorable treatment than equally qualified whites when inquiring about mortgage financing.

                                      Subprime Lending

                                      Subprime loans are intended to make homeownership possible for many families who have blemished credit histories or who otherwise fail to qualify for prime, conventional loans. Data shows that blacks are much more likely than whites to get a subprime loan, and many of the borrowers who take out these loans could qualify for loans with better rates and terms.  In one government study, in African American neighborhoods, 51% of the refinanced mortgages were subprime; compared to only 9% in predominantly white neighborhoods.  Because of this troubling data, subprime loans can raise fair lending concerns.  It is important, if you are offered a subprime loan, to shop around and make sure you are getting the most favorable loan terms possible for your situation.  If you are offered a subprime loan even though your credit history qualifies you for better terms and you have reason to believe that discrimination was a factor, you can contact HUD to file a fair housing complaint.

                                      Predatory Lending

                                      Some lenders, often referred to as predatory lenders, saddle borrowers with loans that come with outrageous terms and conditions, often through deception. Elderly women and minorities frequently report that they have been targeted, or preyed upon, by these lenders. The typical predatory loan is: (1) in excess of those available to similarly situated borrowers from other lenders elsewhere in the lending market, (2) not justified by the creditworthiness of the borrower or the risk of loss, and (3) secured by the borrower's home.

                                      Examples of predatory lending:

                                      • Excessive fees – A predatory mortgage has high and hidden loan fees, often in excess of 5% of the of the total loan amount. 
                                      • Selling properties for much more than they are worth using false appraisals.
                                      • Encouraging borrowers to lie about their income, expenses, or cash available for down payments in order to get a loan.
                                      • Knowingly lending more money than a borrower can afford to repay.
                                      • Charging high interest rates to borrowers based on their race or national origin and not on their credit history.
                                      • Charging fees for unnecessary or nonexistent products and services – examples of types of products a lender may try to pressure a consumer to add on: fire and hazard insurance, life insurance, disability insurance, and insurance where premiums are paid in advance.
                                      • Pressuring borrowers to accept higher-risk loans such as:
                                        •  Balloon loans
                                        • Interest only payments
                                        • Steep pre-payment penalties – can keep a borrower trapped in a bad loan with no ability to refinance
                                      • Targeting vulnerable borrowers to cash-out refinance offers when they know borrowers are in need of cash due to medical, unemployment or debt problems.
                                      • "Stripping" homeowners' equity from their homes by convincing them to refinance again and again when there is no benefit to the borrower.
                                      • Mandatory arbitration – makes it illegal for the homeowner to take legal action against their lender; only right the borrower has is to take their grievances to arbitration.

                                      Tips for Consumers:

                                      • Get information about the prices of other homes in the neighborhood. Don't be fooled into paying too much.
                                      • Shop for a lender and compare costs. Be suspicious if anyone tries to steer you to just one lender.
                                      • Do NOT let anyone persuade you to make a false statement on your loan application, such as overstating your income, the source of your down payment, failing to disclose the nature and amount of your debts, or even how long you have been employed. When you apply for a mortgage loan, every piece of information that you submit must be accurate and complete. Lying on a mortgage application is fraud and may result in criminal penalties.
                                      • Do NOT let anyone convince you to borrow more money than you know you can afford to repay. If you get behind on your payments, you risk losing your house and all of the money you put into your property.
                                      • Never sign a blank document or a document containing blanks. If information is inserted by someone else after you have signed, you may still be bound to the terms of the contract. Insert "N/A" (i.e., not applicable) or cross through any blanks.
                                      • Read everything carefully and ask questions. Do not sign anything that you don't understand.

                                      Filing a Complaint

                                      If you have experienced lending discrimination, you can visit HUD’s housing discrimination complaint website to file a complaint or learn more about the complaint process.

                                       

                                      The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

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                                        Reasonable Accommodation

                                        What is a Reasonable Accommodation?

                                        Under the Fair Housing Act, a person with a disability can request changes or exceptions to rules, policies, or practices of a landlord, where necessary to allow them full use and enjoyment of the rental premises. Examples of reasonable accommodations include requesting an assigned accessible parking space, requesting an exception to a no pet policy for an assistance animal, requesting a lower mailbox that is accessible to a person in a wheelchair, or requesting more time to move. Housing providers cannot charge a person with a disability an extra fee or deposit as a condition of an approved reasonable accommodation request. Housing providers also should not simply deny a reasonable accommodation request; instead, they should engage in the “interactive process” with the tenant and work to find alternative accommodations that would meet the tenant’s needs.

                                        For more information, please view: https://www.hud.gov/sites/dfiles/FHEO/documents/huddojstatement.pdf

                                        Requesting a Reasonable Accommodation

                                        You may use the attached Word.doc forms to request a reasonable accommodation or for a proof of need letter for your landlord. You may also use the interactive forms below.

                                         

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                                          The Fair Housing Act

                                          Sec. 800. [42 U.S.C. 3601 note] Short Title
                                          This title may be cited as the "Fair Housing Act".
                                          Sec. 801. [42 U.S.C. 3601] Declaration of Policy
                                          It is the policy of the United States to provide, within constitutional limitations, for fair housing throughout the United States.
                                          Sec. 802. [42 U.S.C. 3602] --

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                                            Tips for Housing Providers

                                            Best Practices To Avoid Fair Housing Act Violations

                                            1. Keep detailed and meticulous records
                                               
                                            2. Adopt and use the Fair Housing Act’s Equal Housing Opportunity Logo and nondiscrimination statement:  “(name of company) does not discriminate based on ancestry, race, color, religion, sex, disability, familial status, national origin, or military status.”
                                               
                                            3. When advertising, market the property and its amenities rather than placing an ad that seeks to appeal to or attract a certain type of tenant.
                                              1. Example 1 (good ad):  3 bedroom, 2 bath apartment, 950 square feet with beautiful view of the lake. 
                                              2. Example 2 (bad ad): Great apartment available in a very quiet neighborhood within walking distance of ABC Church.  Applicants must have proof of employment.
                                            4. When screening applicants, it is best to have a standard, written procedure in place for how applications are screened.  Keep records of all applicants.  Avoid asking personal questions regarding behavior, disabilities, health, etc. Questions regarding evictions, bankruptcy history, prior landlord relationships, or prior judgments are fine.
                                              1. Best defense to a claim of discrimination is to be able to point to a written policy and show that you have applied it uniformly to all applicants.
                                            5. To avoid “steering,” when showing properties to prospective tenants/purchasers, do not suggest certain types of properties or mention types of people that live around a property.
                                              1. “Bad” example:  “Here, let me show you the building near the playground” to a tenant with children. 
                                              2. Instead – offer to show the tenant/purchaser all the available properties and allow the tenant to offer to skip properties he has no interest in seeing.
                                            6. Use a standard lease with the same terms and rules for all tenants.
                                              1. Avoid lease terms aimed at particular groups – e.g., “The West pool is for adults only”
                                            7. When doing an eviction or termination, avoid the appearance of discrimination by:
                                              1. Clearly documenting the reason for termination of the lease, and
                                              2. Providing a statement of the reason for the termination to the tenant, especially when requested.
                                            8. When you receive a reasonable accommodation request, if you feel there are barriers to you being able to do the tenant’s request, do not just ignore or deny the RA, rather, make an offer for an alternate accommodation that would still meet the tenant’s stated needs but not cause an undue burden on, you, the provider.
                                               
                                            9. For further assistance, you can call the Idaho Legal Aid Fair Housing hotline at 1-866-345-0106
                                               
                                            10. Make sure you have up to date information regarding Fair Housing laws and guidance by visiting:
                                              1. www.hud.gov
                                              2. www.idaholegalaid.org

                                             

                                            The work that provided the basis for this publication was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

                                             

                                            Table of Contents

                                              What housing is covered by the Fair Housing Act?

                                              The Fair Housing Act covers “dwellings”: any building, structure, or portion of a building that is occupied or intended to be occupied or where a person intends to return. The Act applies only if the owner has an interest in four or more homes/units (e.g., An apartment building with more than four units, a single home where the landlord owns three other homes, or a house with three bedrooms being rented to three different people and where the landlord maintains his own home). Examples of dwellings covered by the Fair Housing Act: single family homes, condominiums, duplexes, multi-unit dwellings (apartments), manufactured homes, private homes, vacant land, homeless shelters, shelters for victims of domestic violence, nursing homes, assisted living facilities.

                                              Table of Contents

                                                What is the Fair Housing Act?

                                                The Fair Housing Act, Title VIII of the Civil Rights Acts, prohibits discrimination in housing.

                                                The Fair Housing Act Prohibits Discrimination in the Sale and Rental of Housing Based on a Person’s:

                                                • Race
                                                • Color
                                                • Sex
                                                • Religion
                                                • National Origin
                                                • Disability
                                                • Familial Status (presence of children under 18 yrs. old)

                                                Why Fair Housing?

                                                Where you live determines:

                                                • Where your children go to school
                                                • Ease of getting to work, healthcare, recreation
                                                • What kind of physical danger you may be exposed to

                                                It is good for the community:

                                                • Ensures it is a good place for future businesses to locate
                                                • Promotes economic growth and welfare for all

                                                State of Idaho Fair Housing:

                                                • Recognizes housing discrimination based on:
                                                • Race
                                                • Color
                                                • Sex
                                                • Religion
                                                • National Origin
                                                • Disability
                                                • Does NOT recognize familial status
                                                • Covers providers with 2 or more units/properties
                                                • Is enforced through the Idaho Human Rights Commission

                                                Fair Housing Act Applies to:

                                                • Advertising media
                                                • Residential landlords
                                                • Rental agents
                                                • Housing Agents/Managers
                                                • Real Estate Brokers and Salespersons
                                                • Homeowners
                                                • Homebuilders
                                                • Banks, Savings and Loan Associations, Mortgage Lenders or other financial institutions
                                                • Developers and contractors
                                                • Landowners
                                                • Condominium developers or owners

                                                What is Housing?

                                                A “dwelling” …

                                                • Any building, structure, or portion of a building that is occupied or intended to be occupied
                                                • Any of the above where a person intends to return

                                                Housing Covered under the Fair Housing Act includes but is not limited to:

                                                • Condominiums
                                                • Duplexes
                                                • Multi-unit dwellings (apartments) with 4 or more units
                                                • Mobile homes
                                                • Trailer courts
                                                • Private homes
                                                • Vacant land
                                                • Homeless shelters
                                                • Shelters for victims of domestic violence

                                                More types of Housing Covered by the Fair Housing Act:

                                                • Group homes for the recovery of drug addicts and alcoholics
                                                • Seasonal bungalows
                                                • Hospices
                                                • Nursing Homes
                                                • Assisted Living

                                                Prohibited Actions Under the Fair Housing Act:

                                                A party may not:

                                                • Refuse to rent, sell, or deal with a person of a protected class
                                                • Discriminate in terms or conditions of sale
                                                • Force tenant to provide information about extent of disability
                                                • Unless determining eligibility for a program with priority status
                                                • Refuse to design and construct covered multifamily dwellings that are accessible to and usable by handicapped persons
                                                • State that housing is not available when it actually is available
                                                • Threaten, intimidate or interfere with a protected class member or someone that has filed a complaint
                                                • Assign different policies, conditions, or terms

                                                Fair Housing Laws Prohibit:

                                                • Segregating and/or separating people in housing
                                                • Aiding and abetting in unfair housing practices
                                                • Preventing any person from complying with fair housing practices
                                                • Exclusionary land use decisions by local governments:
                                                  • Planning and zoning difficulties
                                                  • Failure to provide affordable housing
                                                  • Blockbusting:
                                                    • Persuading owners to rent or sell quickly, at a loss to the owner but a profit to the agent
                                                    • Redlining:     
                                                      • Lender or insurer refuses their services or requires additional costs in certain neighborhoods
                                                      • Steering:
                                                        • Encouraging a person’s choice based on race, familial status, color, disability status
                                                        • Channeling
                                                        • Sending a person into a neighborhood, or not showing some neighborhood, based on ethnic identity

                                                 

                                                Advertising and the Fair Housing Act

                                                It is illegal to make, print, or publish advertisements relating to the sale, rental, or financing of a dwelling that indicates a preference, limitation, or discrimination.

                                                Advertising Examples:

                                                • “Christian only” or “female only”
                                                • “empty nesters” or “# children only”
                                                • “adults only” or “mature couple”
                                                • “near … Church” or “near … school”
                                                • “no disabled” or ”able-bodied only”
                                                • “religious reference”
                                                • “must be employed”
                                                • “no Español”

                                                 Advertising Exception:  Roommates may advertise for gender only.

                                                        For example: “female roommate wanted”

                                                However, can still not show a preference based on any of the other protected classes: race, religion, color, national origin, familial status, or disability

                                                Who May Take Action Against A Discriminating Party?

                                                Someone who:

                                                • Believes he or she is about to be injured by a discriminatory housing practice
                                                • Is a member of a protected class
                                                • Acts on behalf of a person with a disability residing or intending to reside in the dwelling after it is sold, rented, or made available
                                                • Is a member in a group that is statistically affected by a policy

                                                Or. . .

                                                • Testers
                                                • Fair Housing Organizations
                                                • Neighbors
                                                • Community groups
                                                • Municipalities

                                                The Fair Housing Act and Landlords

                                                 Landlords Cannot:

                                                • Refuse to rent to or deal with a person because he/she is a member of a protected class
                                                • Apply different rules to different people
                                                • Refuse to make reasonable modifications for a tenant with a disability
                                                • Retaliate against someone who has filed a complaint
                                                • Restrict choice of unit or neighborhood
                                                • Ask questions that indicate a different selection process
                                                • Apply unreasonable occupancy standards

                                                The Fair Housing Act and Persons with Disabilities

                                                Who Is A Person With A Disability As Defined by the Fair Housing Act?

                                                A person who:

                                                • has a physical or mental impairment that substantially limits one or more major life activities
                                                • has a record of such impairment
                                                • is regarded as having such an impairment

                                                Physical or Mental Impairment:

                                                Includes, but is not limited to:

                                                • Orthopedic, visual, speech, hearing impairments
                                                • Cerebral palsy
                                                • Autism
                                                • Epilepsy
                                                • Cancer
                                                • Heart disease
                                                • Diabetes
                                                • HIV/AIDS
                                                • Mental Retardation
                                                • Emotional illness
                                                • Learning disabilities
                                                • Alcoholism
                                                • Prior drug addiction (current users not covered)

                                                What Is a Major Life Activity?

                                                Functions or activities that are of central importance to  daily life such as:

                                                • Caring for one’s self
                                                • Performing manual tasks
                                                • Walking
                                                • Seeing
                                                •  Hearing
                                                • Speaking
                                                • Breathing
                                                • Learning
                                                • Working

                                                Persons with a disability can:

                                                • Ask for reasonable modifications
                                                • Ask for reasonable accommodations

                                                Reasonable Modifications and/or Accommodations:

                                                A landlord must:

                                                • Permit a tenant with a disability to make reasonable modifications to a rental unit or common areas
                                                • Allow a tenant with a disability to have a reasonable accommodation.

                                                What is “reasonable modification and accommodation”?

                                                • A reasonable modification is an alteration (change) to the physical premises
                                                • A reasonable accommodation is some exception or change to the rules, policies, services, or regulations

                                                Examples of Reasonable Modifications:

                                                • Building a ramp to enter dwelling
                                                • Widening kitchen, bathroom, and/or bedroom doors
                                                • Installing grab bars in the bathrooms

                                                Who Pays?

                                                • Housing providers, if federal funds are received
                                                • Person requesting modification, when provider receives no federal funds, may be responsible for:
                                                  • costs to make modification
                                                  • cost to restore modification back to original condition

                                                Examples of Reasonable Accommodations:

                                                • Permitting a service or companion animal in “no-pet” community
                                                  • Not charging pet deposit
                                                • Permitting an outside agency to assist a resident with a disability to meet the terms of lease
                                                • Permitting a live-in Personal Care Attendant
                                                • Change in communication devices, such as increasing font size of typed documents

                                                Proof of Reasonable Modifications and Accommodations:

                                                • A housing provider may request that a tenant provide proof showing that the modifications or accommodations requested will provide the tenant with an equal opportunity to use and enjoy place of residence.

                                                Verification of Disability:

                                                • By a “qualified professional”
                                                  • Some examples are:
                                                    • Vocational  rehabilitation counselor
                                                    • Case manager
                                                    • Physician’s Assistant, RN
                                                    • Therapist, Physician
                                                • Should never disclose the severity or nature of the disability
                                                • Must show the relationship between the disability, the accommodation, and how it will affect housing

                                                Housing Providers can:

                                                • Confirm that a verifiable disability exists through a qualified health/social service professional
                                                • Verify that the resident with a disability can still meet essential obligations of tenancy:
                                                • Pay rent
                                                • Care for the apartment
                                                • Report required information to the landlord

                                                Housing Providers Cannot:

                                                • Ask about the nature or severity of a person’s disability
                                                • Charge an extra fee or additional deposit
                                                • Deny modifications and/or accommodations if:
                                                  • proof of necessity is presented
                                                  • suggested modifications are reasonable

                                                 Fair Housing and Section 8

                                                Definition and Purpose of Section 8

                                                • Section 8 vouchers enable low income families to rent housing in the private market
                                                • Subsidies cover the difference between a set percentage of the family’s income and the housing unit’s market value
                                                • Subsidies are portable, meaning, they allow families to move to housing of their choice, closer to better jobs and schools

                                                Problems with Section 8:

                                                • Many landlords refuse to rent to tenants with Section 8 subsidies
                                                • Section 8 beneficiaries are often people of a protected class
                                                • People of color, women, persons with disabilities, and families with children

                                                Taking Corrective Action

                                                 Elements of a Fair Housing Case:

                                                A case must show:

                                                • that a member of a protected class was discriminated against
                                                • the dwelling is covered (4 or more units/property)
                                                • within the time limitations
                                                • a discriminatory act occurred such as:
                                                  • During application or screening
                                                  • Denial of reasonable accommodation/modification
                                                • Inner-tenancy harassment
                                                • Different policies, charges, treatment

                                                Reporting Discrimination:

                                                • Document the incident
                                                  • Write down the date of the incident
                                                  • Time is occurred
                                                  • Any witnesses
                                                  • Summary of the incident
                                                  • Any response or action taken
                                                • Report it

                                                Report Where?

                                                • HUD (the US Department of Housing and Urban Development)
                                                  • Online, www.hud.gov
                                                  • Toll Free: 1-800-669-9777
                                                  • TDD/TTY: 1-800-927-9275 (TDD)
                                                • Intermountain Fair Housing Council
                                                  • (208) 383-0695 in Boise
                                                  • Toll Free: 1-800-717-0695

                                                 

                                                • Idaho Human Rights Commission
                                                  • (208) 334-2873
                                                  • Toll Free: (888) 249-7025
                                                  • TDD/TTY: (208) 334-4751

                                                Filing a Complaint with HUD:

                                                1. Complaints must be filed through the HUD administration process within one (1) year of discrimination

                                                2. HUD will either complete an investigation of the compliant within one hundred (100) days or provide a reason it failed to do so.

                                                Further Action:

                                                • If HUD finds that there was no reasonable cause for denial of rent, modifications, or other types of discrimination a charge will be issued and may:   
                                                  • Go on trial before an administrative law judge
                                                  • Go to court where the complaint will be represented by the Justice Department

                                                Private Attorneys:

                                                • Private attorneys may file a suit within two (2) years of the alleged violation
                                                • Can be filed at the same time as a complaint filed with HUD
                                                • Can file a suit even if HUD did not take action on the complaint
                                                • May include more monetary damages

                                                Ignorance of the Law:

                                                • Ignorance of the law is no defense
                                                • A defendant may not claim that a housing authority failed to inform them properly regarding the law
                                                • It is the housing agent’s responsibility to be educated on equal housing laws

                                                Intermountain Fair Housing Council

                                                Purpose of the Intermountain Fair Housing Council:

                                                • Seeks to advocate open housing throughout the Northern Rocky Mountain region
                                                • Provides information and educational services to housing consumers
                                                • Monitors and enforces fair housing compliance
                                                • Helps negotiate fair housing settlements through mediation, conciliation, and litigation if necessary

                                                The Intermountain Fair Housing Council Helps:

                                                • Enforce accessibility in Idaho apartments for persons with disabilities
                                                • Enforce compliance with fair housing laws by housing providers
                                                • Ensure equal opportunities in housing
                                                • Provide rights to protected classes

                                                How You Can Help Your Community:

                                                • Become a member of the Intermountain Fair Housing Council
                                                • Be a:
                                                  • Fair housing advocate or educator
                                                  • Fair housing promoter or tester
                                                  • Provider of fair housing services

                                                 

                                                Please contact the following with any questions and/or concerns:

                                                U.S. Department of Housing and Urban Development (HUD)

                                                1-800-669-9777

                                                -or-

                                                1-800-927-9275 (TDD)

                                                www.hud.gov

                                                 

                                                Idaho Legal Aid Services

                                                (208) 345-0106 in Boise local calling area

                                                1-866-345-0106, toll-free statewide

                                                En español llamada gratis estatal, 1-866-954-2591 o 454-2591 en la área local de llamadas en Caldwell.


                                                Intermountain Fair Housing Council

                                                (208) 383-0695 in Boise  -or-  1-800-717-0695 (toll-free)

                                                 

                                                Web Resources:

                                                www.fairhousinglaw.org

                                                www.nationalfairhousing.org

                                                http://www.jmls.edu/fairhousingcenter/index.shtml

                                                http://www.usdoj.gov/crt/housing/

                                                http://humanrights.idaho.gov/

                                                www.hud.gov

                                                Table of Contents

                                                  Who is protected by the fair housing laws?

                                                  The Fair Housing Act protects seven protected classes: race, color, religion, national origin, sex, familial status, and disability.

                                                  Table of Contents