The fair housing act statute uses the term handicap. The manual describes how we supervise and examine these companies and gives our examiners direction on how to assess compliance with federal consumer financial laws. This booklet focuses on compliance with the fair housing act, equal credit opportunity act, and regulation b the consumer protection regulation that. For fair lending scoping and examination procedures, the cfpb is temporarily adopting the ffiec interagency fair lending examination procedures that are referenced in the examination program. Some of those factors include hmda data, fair lending violations, and general compliance risks. The manual incorporates examination policies, procedures, and guidance and is available on the fdic website as a resource for fdic staff, bankers, and other members of the public. The manual explains the accessibility requirements of the act, which must be incorporated into the design and. Accessible building entrance on an accessible route the fair housing act the act requires that every building with at. The manual provides an overview of the laws impacting fair lending, including ecoa, hmda, fha, fcra, cra and udapudaap and the types of. Federal acts related to fair housing real estate exam prep. The fair housing act fhact prohibits discrimination in all aspects of residential realestate related transactions, including but not limited to. Each of these situations can be defended and is probably not going to be found to be a violation of the fair housing act. The occ publishes handbooks and examination procedures based on safe and sound banking practices and applicable legislation and implementing rules. Mar 10, 2021 essentials of fair housing live virtual training.
The department of housing and urban development the department of justice state and local fair housing enforcement agencies. Hud prepared the guidelines and will answer technical questions. The fair housing act fha and the equal credit opportunity act ecoa protect consumers by prohibiting unfair and discriminatory practices. Also explore over 9 similar quizzes in this category. This booklet focuses on compliance with the fair housing act, equal credit opportunity act, and regulation b the consumer protection regulation that implements the equal credit opportunity act. Jul 25, 2018 5 strategies to succeed at the mlo national exam with the mortgage loan originator safe act mortgage loan originator manual. Oct 11, 2020 an easy to understand and indepth guide written by a nationally recognized leader in affordable housing compliance, a. The purpose of the fair housing laws is to protect a persons right to own, sell, purchase, or rent housing of his or her choice without fear of unlawful discrimination. Jan 26, 2021 nahmas fair housing compliance fhc course trains managers to understand these complex regulations, and provides clear instructions on fair housing laws. Overview 60 kb pdf fair lending regulations and statutes.
I wouldnt worry about that, the neighborhood is safe and the schools are good. Fair lending compliance resources national credit union. Department of hous ing and urban developments huds fair housing act design man ual. In addition, we cover the americans with disabilities act and its application at apartment communities. The requirements set forth in the fair housing act and section 504 regulations are enormously complex and farreaching. The fair lending requirements of the equal credit opportunity act ecoa and the fair housing act covered under the interagency fair lending examination. Fair housing specialist fhs national center for housing. Title viii of the civil rights act of 1968 fair housing act. Course manual above, fair housing act, hud handbook 4350. I recommend you contact the school district, municipal government, or the local library. We all know that there is a basis for that concern.
First published in 1996, the fair housing act design manual. Fair housing act 56 kb pdf fair lending regulations and statutes. The examination procedures in this section are primarily for the technical compliance. Prohibits discrimination in housing related transactions, including the sale, rental, or financing of dwellings. Originally painted in 1977, this mural was a gift of appreciation to the local school for promoting the ideals of racial harmony. The fair housing act fhact prohibits discrimi nation in all. Compliance guidelines regulatory compliance reference. Fair housing act disparate impact regulation revised. Ncua conducts fair lending examinations at and supervisory contacts with federal credit unions to assess compliance with fair lending laws using the federal financial institutions examination council ffiec interagency fair lending examination procedures august 2009. Childhood is without prejudicechildren of goodwill. Federal acts related to fair housing real estate exam.
Sexual harassment in housing includes demands for sex or sexual acts in order to buy, rent, or continue renting a home. However, we also know that the department itself has not, for a number of reasons, always been successful in ensuring results that are consistent with the act. The fair housing laws are intended to allow everyone equal access to housing. The comprehensive, practical training manual for this course includes readytouse documents and forms to conduct a section 504 selfevaluation and sample transition plan. The manual explains the accessibility requirements of the act, which must be incorporated into the design and construction of multifamily housing covered by the act. Fdic consumer compliance examination manual september 2015. The curriculum of fair housing specialist is rooted in the regulations of the two major fair housing laws, the fair housing act title viii of the civil rights act of 1968 and section 504 of the rehabilitation act of 1973. Its highly recommended to take this practice quiz before taking the final exam. In 1988, the fair housing amendments act expanded the law to include disabilities and familial status. Mar 10, 2019 the purpose of fair housing testing is to determine the likelihood that illegal housing discrimination is occurring.
A manual to assist designers and builders in meeting the accessibility requirements of the fair housing act provides clear and helpful guidance about ways to design and construct housing which complies with the fair housing act. The comprehensive, practical training manual for this course includes readytouse documents and forms to. The supreme court recently granted certiorari in a case that may require the cfpb to rewrite part of its recentlyreleased mortgage servicing examination procedures. Discrimination includes refusing to rent to someone, steering someone away to a particular type of housing or neighborhood, enacting zoning measures.
Participant manual history of the fair housing act fair housing act was passed in 1968 fair housing amendments act, with new coverage of disability, was enacted in 1988 enforced by. Compliance guidelines regulatory compliance reference chart. However, each of these situations could have been handled better, possibly avoiding the resulting fair housing case. Fdic consumer compliance examination manual september 2015 v8. As amended, section 804f3c of the act provides that unlawful discrimination. It also includes other unwelcome sexual conduct that makes it hard to keep living in or feel comfortable in your home. The office of the comptroller of the currencys occ comptrollers handbook is prepared for use by occ examiners in connection with their examination and supervision of national banks, federal savings associations, and federal branches and federal agencies of foreign banking organizations collectively, banks. Although the fair lending procedures are addressed under a separate section of the handbook. Ncua fair lending compliance program for federal credit. The supplement also is included in this manual as appendix c.
Fair housing act design manual huds answers to those questions. However, in applying those procedures the cfpb takes into account that the fair housing act fhact, 42 u. National bank examiners refer to these resources, which occ updates as necessary to reflect changes in the banking environment or amendments to existing regulations and rules and enactment of new legislation. This guide is intended for use by a credit unions board of directors and management, compliance officers, and others having responsibility for fair lending compliance as part of their duties. Cfpb supervision and examination manual the supervision and examination manual is our guide for examiners to use in overseeing companies that provide consumer financial products or services. Interagency fair lending examination procedures federal reserve. Youll get my successboosting strategies to use the manual and make the most of it to pass your mlo exam in the first go even if you have no real estate experience.
Office of consumer financial protection fair lending guide. State and federal fair housing laws prohibit discrimination in the housing. Making loans to buy, build, repair or improve a dwelling purchasing real estate loans selling, brokering, or appraising residential real estate. Hud issues fair housing charge against wyoming property owner. It might seem obvious to us now that no one should be discriminated against when trying to buy a house, but that wasnt always the case. Specifications for the allowable height of thresholds and required beveled edges are treated as a separate design element, independent from the allowable level changes between exterior and interior floor levels. Quiz quiz which has been attempted 3941 times by avid quiz takers.
The testing process often begins when an individual with a protected characteristic e. Fair housing training for maintenance a prerequisite. The fair housing act prohibits me from providing that kind of information. The ultimate nmlsapproved mortgage loan originator manual. The professional property managers guide to the violence against women act. Making loans to buy, build, repair or improve a dwelling purchasing real estate loans selling, brokering, or appraising residential real estate selling or renting a dwelling. Ncua will use multiple factors to determine whether a federal credit union demonstrates the potential for higher fair lending risk which could lead to a fair lending exam or an offsite supervision contact. Streamline your fair lending examination with selfassessments. These resources provide guidance on how to comply with fair lending laws. Equal access to rental housing and homeownership opportunities is the. The consumer compliance examination manual is a primary resource and reference tool for fdic compliance examination staff to use in support of conducting consumer compliance and community reinvestment act examinations and other supervisory activities. Each bank is different and may present specific issues. Apr 16, 2020 try this amazing fair housing act trivia.
Please answer each question to the best of your knowledge. The design manual is one of a number of hudapproved safe harbors for compliance with the act. Gallagher raises the issue of whether disparate impact claims are even cognizable under the fair housing act, and will require the supreme court to decide that issue in. Where laundry equipment is located in a common use area, it must conform to the requirements for accessible public and common use facilities. Arch exam academy are tutoring and premium membership. Nahmas fair housing compliance fhc course trains managers to understand these complex regulations, and provides clear instructions on fair housing laws. Regulation b equal credit opportunity 84 kb pdf fair lending regulations and statutes. Nov 27, 2017 fair lending regulations and statutes. Read the occs answers about consumer loans and answers about mortgages and home loans for more information. Includes online certiication exam one week to complete. This booklet applies to the occs supervision of national banks and federal savings associations. Fair lending the fair housing act, the equal credit opportunity act, and regulation b and unfair or deceptive acts or practices udap section 5 of the federal trade commission act and sections 1031 and 1036 of the doddfrank wall street reform and consumer protection act are two of the most significant risk areas for financial institutions. Hud issues fair housing charge against wyoming property.
This difference is illustrated in the fair housing act design manual, page 4. The manual incorporates examination policies, procedures, and guidance and is. The fha makes it unlawful for any lender to discriminate in housingrelated lending activities for a variety of personal and demographic criteria. Designed to provide professionals in the affordable housing industry with an easy to understand reference manual for issues related to vawa.
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