![]() ![]() ![]() People of color are disproportionately contracting and dying from the virus but they are also disproportionately experiencing housing eviction, overcrowding, and instability. It has exposed, in harsh reality, deep-seated inequalities that exist in our country built on centuries of unjust practices and policies, lack of enforcement of civil rights laws, and structural racism. The COVID-19 health pandemic is the great revealer. SPCPs fulfill the letter and spirit of our nation’s fair housing and lending laws.SPCPs are an important tool in expanding fair access to credit, particularly for consumers and communities impacted by discrimination.Our markets are structurally unfair and we need intentionality to effectively address the racial wealth and homeownership gaps.Building more affordable housing is important, but much more must be done to advance credit equity.Special Purpose Credit Programs (SPCPs) are made available by the Equal Credit Opportunity Act.State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by federal law.Using Special Purpose Credit Programs to Expand Equality Lisa Rice, President & CEO, NFHA The Equal Credit Opportunity Act makes discrimination unlawful with respect to any aspect of a credit application on the basis of race, color, religion, national origin, sex, marital status, age or because all or part of the applicant’s income derives from any public assistance program. Title III of the Americans with Disabilities Act prohibits discrimination against persons with disabilities in places of public accommodations and commercial facilities. The Fair Housing Act declares a national policy of fair housing throughout the United States, making illegal any discrimination in the sale, lease or rental of housing, or making housing otherwise unavailable, because of race, color, religion, sex, handicap, familial status, or national origin. The Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property. This includes the right to expect equal professional service, the opportunity to consider a broad range of housing choices, no discriminatory limitations on communities or locations of housing, no discrimination in the pricing or financing of housing, reasonable accommodations in rules, practices and procedures for persons with disabilities, and to be free from harassment or intimidation for exercising your fair housing rights. ![]() Renter’s RightsĪs someone seeking to rent an apartment, home or condo, you have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status, or national origin. Moreover, we will not establish discriminatory terms or conditions in the purchase or rental, deny that housing is available, or advertise that the property is available only to persons of a certain race, color, religion, sex, handicap, familial status, or national original. We have a responsibility and a requirement under the law not to discriminate in the rental of property on the basis of race, color, religion, sex, handicap, familial status, or national origin. Property Owner’s & Manager’s Responsibilities All renters are hereby informed that all property rental offers are available on an equal opportunity basis. We support Equal Housing Opportunity and encourage users of our site to follow appropriate guidelines to comply with the Fair Housing Act, as well as any applicable state and local regulations. We go to great lengths to comply with the Fair Housing Act, which prohibits “any preference, limitation, or discrimination because of race, color, religion, sex, handicap, familial status, or national origin, or intention to make such preference, limitation or discrimination.” ![]()
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