types of housing discrimination
DESCRIPTION
Housing discrimination is “ODD” – overt, disparate treatment and disparate impact.TRANSCRIPT
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: