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.
What does Fair Housing cover?
It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related activities. The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex, familial status, and disability.
Who is not protected by fair housing?
Race, color, religion, sex, handicap, familial status, national origin. Although some interest groups have tried to lobby to include sexual orientation and marital status, these aren’t protected classes under the federal law, but are sometimes protected by certain local state fair housing laws.
What is covered under FHA?
Key Takeaways. The FHA prohibits discrimination on the basis of “race, color, religion, sex, handicap, familial status, or national origin….” In general, the FHA applies broadly to all sorts of housing, public and private, including single family homes, apartments, condominiums, mobile homes, and others.
Why is Fair Housing so important?
It seeks to ensure that nobody is discriminated against in property transactions on the basis of his or her protected class. The Importance of Fair Housing Act lies in the fact that brokers, sellers, lenders, and insurers cannot adopt discriminatory policies against people in the protected class.
Who does Fair housing protect?
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 apply to federally-assisted housing.
What does HUD say about bedrooms?
All bedrooms with one person should have at least 70 square feet. Shared bedrooms must have at least 50 square feet per person. Kitchens and other non-habitable rooms cannot be used as a bedroom.
What type of loan transaction does the Fair Housing Act apply to?
Fair lending prohibits lenders from considering your race, color, national origin, religion, sex, familial status, or disability when applying for residential mortgage loans.
What classes are not protected under federal law?
Under federal law, employers cannot discriminate on the basis of race, color, national origin, religion, sex, age, or disability.
Which is not a Fair Housing Act advertising violation?
HUD provides Fair Housing advertising guidelines as to what is acceptable in Fair Housing advertising. While advertisements cannot state a preference or limitation based on race or color, statements such as “master bedroom” and “desirable neighborhood” are not illegal.
Who is exempt from the FHA?
If your property qualifies as Housing for Older Persons, you can be exempt from the portion of the FHA that prohibits discrimination against families with children. Exempt properties are those that are designated for age 55 and older or age 62 and older communities.
What does FHA help with?
We insure mortgages on single family homes, multifamily properties, residential care facilities, and hospitals throughout the United States and its territories. FHA mortgage insurance protects lenders against losses.
What is the maximum penalty for the first time violation of the Fair Housing Act?
The maximum civil penalties are: $16,000, for a first violation of the Act; $37,500 if a previous violation has occurred within the preceding five-year period; and $65,000 if two or more previous violations have occurred within the preceding seven-year period.