Preparedby:CommunityDevelopmentDepartment,

CityOfDecatur,Alabama.FormoreinformationonFairHousingoronhowtofileacomplaint,contact

FairHousingCenterofNorthernAlabama,Birmingham,AL,at866-740-1040

orwww.fhcna.com.

Sources: Texas Fair Housing Facts, 2007.

Do you know what Overt, Disparate Treatment

and Disparate Impact is?

• Refusetomakeamortgageloan

• Refusetoprovideinformationregardingloans

• Imposedifferenttermsorconditionsona

loan,suchasdifferentinterestrates,points,

orfees

• Discriminateinappraisingproperty

• Refusetopurchasealoan

• Setdifferenttermsofconditionsfor

purchasingaloan

• Refusetorentorsellhousing

• Refusetonegotiateforhousing

• Makehousingunavailable

• Denyadwelling

• Setdifferentterms,conditionsorprivileges

forsaleorrentalofadwelling

• Providedifferenthousingservicesorfacilities

• Falselydenythathousingisavailablefor

inspection,saleorrental

• Forprofit,persuadeownerstosellor

rent(blockbusting)

• Denyanyoneaccesstoormembershipina

facilityorservice(suchasamultiplelisting

service)relatedtothesaleorrentalof

housing

Housing Discrimination is “ODD!”

Overt,DisparateTreatmentandDisparateImpact

Overtdiscriminationisdefinedasanyhousing

discriminationwhichisintentionallyinflicted.

DisparateTreatmentisdiscriminationwhichoccurs

whenmembersofaprotectedclassaretreatedina

differentandlessfavorablemannerthanmembersof

amajoritygroup.Theintentiontodiscriminationisnot

communicatedorexpressed,butcanbeseenfromthe

differencesintreatment.

DisparateImpactisdiscriminationwhichoccurswhen

treatment,althoughappliedequally,hasanadverse

effectonmembersofaprotectedclassincomparison

tomembersofamajoritygroup.Basically,theactivityis

fairinform,butdiscriminatoryinpractice.

What is Prohibited?

In Mortgage Lending:

IntheSaleandRentalofHousing:Noonemaytake

anyofthefollowingactionsbasedonrace,religion,

color,sex,nationalorigin,disabilityorfamilialstatus:

Noonemaytakeanyofthefollowingactions

basedonrace,religion,color,sex,nationalorigin,

disabilityorfamilialstatus: