1. Chapter 22: Fair Housing, ADA, Equal
Credit, and Community Reinvestment
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2. CONSTITUTIONAL IMPACT ON
OWNERSHIP OF REAL PROPERTY
U.S. Constitution
Fifth Amendment
Thirteenth Amendment
Fourteenth Amendment
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3. FAIR HOUSING LAWS
Civil Rights Act of 1866
Fair Housing Act, officially
known as Title VIII of the Civil
Rights Act of 1968
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4. Race
Color
Religion
Sex
National Origin
Handicap
Familial Status
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FAIR HOUSING

5. HOUSING COVERED
1. Single-family houses owned by private individuals when: a
real estate broker or other person in the business of sel l ing
or renting dwellings is used, and/or Discriminatory
adver tising is used.
2. Single-family houses not owned by private individuals .
3. Single-family houses owned by a private individual who owns
more than three such houses or who, in any two-year period,
sel ls more than one in which the individual was not the
most recent resident .
4. Multifamily dwellings of five or more units.
5. Multifamily dwellings containing four or fewer units, if the
owner does not reside in one of the units.
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6. Protected Classes
• Race
• Color
• Religion
• National origin
• Sex
Fair Housing
1. Family status
2. Handicap
Equal Credit
Opportunity Act
1. Public assistance
2. Age
3. Marital status
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7. ILLEGAL ACTS
 Refusing to sell or rent to, deal, or
negotiate with any person.
 Discriminating in the terms or
conditions for buying or renting
housing.
 Discriminating by advertising that
housing is available only to persons
of a certain race, color, religion, sex
or national origin, those who are not
handicapped, or adults only.
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8. ILLEGAL ACTS (CONTINUED)
 Denying or making different terms
or conditions for home loans by
commercial lenders.
 Denying to anyone the use or
participation in any real estate
services, such as brokers’
organizations, multiple listing
services, or other facilities related
to the selling or renting of housing.
 Steering or block-busting.
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9. Steering
The illegal practice of directing
home seekers to particular
neighborhoods.
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10. Block Busting
The illegal practice of inducing
panic selling in a neighborhood
for financial gain.
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11. AMERICANS WITH DISABILITIES ACT
ADA
Deals primarily with commercial property.
Provides access requirements and prohibits
discrimination against people with disabilities.
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12. Equal Credit Opportunity Act
Originally passed to provide for equal credit
for borrowers by making it unlawful to
discriminate against an applicant for credit
based on sex or marital status
Prohibits discrimination in any credit
transaction based on race, color, religion,
national origin, sex, marital status, age (not
including minors), receipt of income from a
public assistance program, and the good faith
exercise of rights under the ECOA.
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13. COMMUNITY REINVESTMENT ACT
Expands the concept that needs of community must
be addressed.
 Institution must post CRA notice in lobby.
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14. Key Terms
 ADA
 Block busting
 CRA
 ECOA
 Familial status
 Handicapped
 Protected class
 Steering
 Tester
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