Uncategorized - NFHA https://nationalfairhousing.org/category/uncategorized/ National Fair Housing Alliance Fri, 17 Jan 2025 18:46:13 +0000 en-US hourly 1 Civil Rights Advocates Respond to Bill Pulte’s Nomination to Lead Federal Housing Finance Agency  https://nationalfairhousing.org/civil-rights-advocates-respond-to-bill-pultes-nomination-to-lead-federal-housing-finance-agency/ Fri, 17 Jan 2025 18:46:12 +0000 https://nationalfairhousing.org/?p=10868 FOR IMMEDIATE RELEASE   January 17, 2025  Media Contact: NFHA@skdknick.com  Civil Rights Advocates Respond to Bill Pulte’s Nomination to Lead Federal Housing Finance Agency  Washington, D.C. – Today, the National Fair Housing Alliance® (NFHA™) issued the following statement from Nikitra Bailey, Executive Vice President, in response to President-elect Trump’s nomination of Bill Pulte as the next […]

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FOR IMMEDIATE RELEASE  

January 17, 2025 

Media Contact: NFHA@skdknick.com 

Civil Rights Advocates Respond to Bill Pulte’s Nomination to Lead Federal Housing Finance Agency 

Washington, D.C. – Today, the National Fair Housing Alliance® (NFHA™) issued the following statement from Nikitra Bailey, Executive Vice President, in response to President-elect Trump’s nomination of Bill Pulte as the next Director of the Federal Housing Finance Agency (FHFA): 

“The Federal Housing Finance Agency plays a pivotal role in ensuring the stability, affordability, and accessibility of the U.S. housing market, particularly through its oversight of Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System. The nomination of Bill Pulte as the regulator of the Government Sponsored Enterprises (GSEs) comes as our nation faces an urgent fair and affordable housing crisis, escalating mortgage rates, and widening economic disparities. 

Across the country, people—especially those in Black, Latino, and low-to-moderate-income communities—are finding it increasingly difficult to secure safe, stable, and affordable housing. This is compounded by historical inequities and systemic barriers that continue to limit access to credit and homeownership opportunities for underserved groups. NFHA urges Mr. Pulte, if confirmed, to commit to upholding the agency’s critical missions to foster equitable and sustainable access to homeownership and rental housing and ensuring housing policies promote fair access to opportunity for everyone. 

During his previous administration, President-elect Trump’s housing policies, including efforts to privatize Fannie Mae and Freddie Mac, raised significant concerns about market disruptions and the potential erosion of their statutory fair and affordable housing initiatives. Fannie Mae and Freddie Mac were bailed out by taxpayers nearly two decades ago. Under FHFA Director Thompson’s leadership significant reforms occurred, such as requiring the financial giants to create and execute Equitable Housing Finance Plans and modifying the GSEs’ mortgage pricing framework to make homeownership more affordable for all creditworthy consumers. But significant work remains, including the need to fully eliminate harmful loan level price adjustments, which result in increased costs for mortgage loans in this already high-interest rate environment and disproportionately impact underserved communities. Privatizing the financial giants’ profits only to have to rescue them from future downturns is reckless and will drive up the cost of the coveted 30-year fixed rate mortgage, which has resulted in homeownership becoming attainable for millions of everyday people throughout the nation. 

NFHA holds every administration accountable for advancing fair housing and lending and creating more pathways to homeownership. Now is the time to implement bold and equity-driven solutions that address the nation’s fair and affordable housing crisis, reduce racial wealth gaps, and ensure that all communities can share in the nation’s prosperity. This is particularly true as all future household growth is expected to be comprised of communities of color. The system’s safety and soundness relies on people of color having fair access as housing is the cornerstone of economic stability and community well-being. FHFA must meet this moment with resolve and fairness. 

The National Fair Housing Alliance remains committed to defending any attempts to weaken existing fair housing and lending protections and ensuring that the promise of equitable opportunities is a reality for all.”  

  

About the National Fair Housing Alliance 

The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 200 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities. 

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Member Spotlight — Meet the Fair Housing Center of Central Indiana https://nationalfairhousing.org/member-spotlight-fair-housing-center-of-central-indiana/ Thu, 02 May 2024 15:40:46 +0000 https://nationalfairhousing.org/?p=10170 Number of Staff: 9 Full-Time Staff How long has your organization been a NFHA member? The Fair Housing Center of Central Indiana was actually incorporated, back in 2011, through a HUD FHOI – New Organizations Grant that the National Fair Housing Alliance received! We have been a member ever since. NFHA is the reason we […]

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Number of Staff: 9 Full-Time Staff

How long has your organization been a NFHA member?

The Fair Housing Center of Central Indiana was actually incorporated, back in 2011, through a HUD FHOI – New Organizations Grant that the National Fair Housing Alliance received! We have been a member ever since. NFHA is the reason we are here today.

Could you share one or two notable achievements or impactful initiatives undertaken by the Fair Housing Center of Central Indiana in advancing fair housing and combating housing discrimination?

One of our biggest achievements has been our systemic work. The work has been incredibly complex and time-consuming but we have been able to bring needed change and raise awareness of issues such as modern day redlining and appraisal bias. A couple of years ago, we started issuing reports to share data we obtain as part of our investigations in order to explore fair housing issues with the community in more depth. The reports have been very well-received by consumers because far too often data is only issued for the industry with their perspective. We have shared HMDA data and explored topics like the role of private equity in housing, tenant screening barriers, and rising rents and evictions.

Our intake and testing teams have also always been big achievers. They do tremendous work in counseling victims of housing discrimination, conducting tests, and moving investigations forward to address harmful policies and practices. Our intake team answers every call that comes into our office, and those calls can be very tough. People get passed around before getting to us and need help or resources. Our testing team is conducting more tests than we have ever done before, which allows us to add critical forms of evidence as part of our enforcement actions, whether allegation- or systemic- based.

How does the Fair Housing Center of Central Indiana collaborate with local stakeholders, including government agencies, nonprofit organizations, and community groups?

Our Education & Outreach team really excels at this. We have a strong social media presence, release informational videos, distribute publications, have an active website, host an annual conference and a separate legal seminar, offer fair housing basics and more complex webinars and trainings, and so much more! Last year, we even started a clothing line for people to show their fair housing support. We routinely speak at area conferences and are also active in setting up event booths and tables at various events. We do all this with the goal of connecting to the community, to housing providers, and to those who want to learn about their rights and responsibilities under fair housing laws. This builds strong partnerships and coalitions when needed, which also assists us in locating victims of housing discrimination.

If your team could share one lesson learned or one piece of advice with a newly formed fair housing organization, what would it be?

Hang in there! The first two years are the roughest because the foundation across every program area has to be built, but it does get easier. When times get tough, remember that you are so needed in your community. There are going to be highs and lows, and that is OK. It happens to every group. Also know that we are here if you ever have a question or need to vent! There is a movement here to support you.

What motivates the team at FHCCI each day?

We are motivated by the people who say, “enough is enough,” and try to better the world. Those who stand up against housing discrimination even though it may be easier to just let it go motivate us. We have been incredibly fortunate at the FHCCI to have met some truly amazing people along the way that we have been able to help navigate the complex enforcement process as victims of housing discrimination. We hope that by us being there with them every step of the way — through every interview, every court hearing, to the very end — that it was a little easier for them.

Can readers expect to meet any of the team from FHCCI at the NFHA National Conference in July? If so, who? (we would love to be on the lookout for them!)

Assuming we have our FHIP funding in place, absolutely! We traditionally send a few team members to the conference each year. Unfortunately, right now, we are waiting on FHIP funding announcements to know what grants we have available and any grant start dates which support us attending the NFHA Conference.

Lastly, what message would you like to share with NFHA members and the broader community about the importance of fair housing and the role that organizations like the Fair Housing Center of Central Indiana play in advancing housing equity?

Housing is the cornerstone of our lives. It is where we should feel safe and secure to live, raise our families, connect with our friends, dream of starting our own business, or be that meeting spot that the kids in the neighborhood all feel welcomed at. Yet, far too often, people are harmed through modern day forms of discrimination, and our neighborhoods are haunted by the historic and systemic ones. Fair housing organizations break down those barriers and better people’s lives because we are on the ground at the town hall and neighborhood meetings fighting to make a change. We are evaluating government policies for fair housing impact, we are advocating for needed change in statehouses and with industry groups, and we are filing the lawsuits and enforcement actions when laws are broken. We work to ensure that someone has that safe place to rent or can build generational wealth through homeownership.  

FHCCI Team Members:

  • Amy Nelson (Executive Director)
  • Brady Ripperger (Deputy Director of Administration & Advocacy)
  • Erika Fotsch (Education & Outreach Coordinator)
  • Johannah Frey (Investigations Coordinator)
  • Bryan Hernandez (Test Coordinator)
  • Noah Moenning (Intake & Office Coordinator)
  • Hafsa Razi (Systemic Investigations Coordinator)
  • Taylor Underwood (Systemic Investigations Coordinator) William Willis (Test Coordinator)
 

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New HUD Filing Alleges Ohio Company Gross Residential Violated the Fair Housing Act’s Accessibility Requirements at Properties in Four States https://nationalfairhousing.org/new-hud-filing-alleges-ohio-company-gross-residential-violated-the-fair-housing-acts-accessibility-requirements-at-properties-in-four-states/ Mon, 18 Mar 2024 13:24:13 +0000 https://nationalfairhousing.org/?p=9797 FOR IMMEDIATE RELEASEMarch 18, 2024Contact: Janelle Brevard | jbrevard@nationalfairhousing.org Washington, D.C. — Today, the National Fair Housing Alliance (NFHA™), and the Tennessee Fair Housing Council (TFHC) announced they filed a housing discrimination complaint with the Department of Housing and Urban Development (HUD) alleging that I. and M.J. Gross, d/b/a Gross Residential is in violation of […]

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FOR IMMEDIATE RELEASE
March 18, 2024
Contact: Janelle Brevard | jbrevard@nationalfairhousing.org

Washington, D.C. — Today, the National Fair Housing Alliance (NFHA™), and the Tennessee Fair Housing Council (TFHC) announced they filed a housing discrimination complaint with the Department of Housing and Urban Development (HUD) alleging that I. and M.J. Gross, d/b/a Gross Residential is in violation of the Fair Housing Act’s accessibility requirements at 13 multi-family rental properties in Alabama, North Carolina, South Carolina, and Tennessee.

Gross Residential is an Ohio-based corporation that develops, constructs, and manages single-family housing and multi-family apartment communities.

In the complaint, which is the result of a months-long, multi-state investigation, NFHA and TFHC allege they have identified a pattern at Gross Residential communities of:

  • Inaccessibly constructed kitchens;
  • Inaccessible toilets and light switches;
  • A lack of accessible routes through the public and common use areas; and,
  • A lack of accessible parking spaces.

The investigation focused on properties in the Charlotte, NC; Nashville, TN; and Huntsville, AL metro areas. The inaccessible features documented are not merely an inconvenience. For many people with disabilities, they are tantamount to a denial of housing, and they limit housing choice in an already restricted and unaffordable rental market.

“Every individual deserves the right to access housing that meets their needs, regardless of their abilities,” said NFHA President and CEO Lisa Rice. “The National Fair Housing Alliance is resolute in its commitment to rooting out discrimination in all forms, especially when it denies people with disabilities the equal opportunity to enjoy safe and accessible housing. The alleged violations by Gross Residential across multiple states are not just a breach of the law; they represent a violation of the basic tenets of fairness and equality. We will continue to stand up against any actions that undermine the principles of the Fair Housing Act. It is our collective responsibility to create housing environments that are inclusive, accessible, and free from discrimination.”

“It is unacceptable that seven newly constructed apartment communities in Middle Tennessee do not comply with the Fair Housing Act’s accessibility requirements,” said TFHC Executive Director Martie Lafferty. “These are minimum requirements which ensure that people with disabilities can use basic features of their housing such as their kitchen and bathroom. The Tennessee Fair Housing Council has long been committed to housing accessibility and will continue working to address barriers at these Gross Residential complexes and other housing communities.”

NFHA and TFHC are represented by noted civil rights law firm Relman Colfax PLLC. NFHA is also represented by Morgan Williams, NFHA’s General Counsel, and Scott Chang, Senior Counsel on NFHA’s Enforcement Team. TFHC is also represented by Martie Lafferty, TFHC’s Executive Director, and William Cox, Staff Attorney at TFHC.

Since March 13, 1991, the Fair Housing Act has required covered housing to conform to its accessibility requirements so that persons with disabilities have equal access to housing opportunities. For decades, NFHA, TFHC, and countless fair housing centers and disability rights advocates have been engaged in vigorous efforts to educate the housing industry of the accessibility requirements under the Fair Housing Act. But nearly 23 years to the day that Congress enacted this provision of the law, the evidence indicates there is still much more work to be done.

Millions of renters with disabilities face heightened housing insecurity. The lack of accessible housing and the increasing number of people with disabilities—estimates indicate that the Covid pandemic resulted in an additional 1.2 million persons with disabilities in the United States—suggest this social and economic crisis is at risk of worsening. Further, people in the U.S. are living longer, and accessible housing features are vital for people to age in place. It is essential that architects, developers, and anyone involved in the design and construction of multi-family housing comply with the law.

Any person who has been denied housing opportunity, or who does not have the full use of their apartment or common or public use areas in their apartment community because they have a disability should visit the National Fair Housing Alliance website immediately.

The full complaint can be found here.

The work that provided the basis for this press release was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.

The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.

The Tennessee Fair Housing Council (TFHC) is a private nonprofit organization whose mission is to eliminate housing discrimination in Tennessee. TFHC provides outreach, intake/referral, and legal assistance to Tennessee residents who have experienced, or are currently experiencing, issues with their housing as a result of discrimination.

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In New CRA Rule, Regulators Miss a Once-In-A-Generation Opportunity to Address Racial Homeownership and Wealth Gaps https://nationalfairhousing.org/in-new-cra-rule-regulators-miss-a-once-in-a-generation-opportunity-to-address-racial-homeownership-and-wealth-gaps/ https://nationalfairhousing.org/in-new-cra-rule-regulators-miss-a-once-in-a-generation-opportunity-to-address-racial-homeownership-and-wealth-gaps/#respond Tue, 24 Oct 2023 20:52:07 +0000 https://nationalfairhousing.org/?p=8134 FOR IMMEDIATE RELEASEOctober 24, 2023Contact: Janelle Brevard | jbrevard@nationalfairhousing.org Washington, D.C. — Today, federal financial regulators adopted a new regulation to implement the Community Reinvestment Act, a law passed by Congress 46 years ago to end redlining in communities of color and other underserved communities. Nikitra Bailey, Executive Vice President of the National Fair Housing […]

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FOR IMMEDIATE RELEASE
October 24, 2023
Contact: Janelle Brevard | jbrevard@nationalfairhousing.org

Washington, D.C. — Today, federal financial regulators adopted a new regulation to implement the Community Reinvestment Act, a law passed by Congress 46 years ago to end redlining in communities of color and other underserved communities. Nikitra Bailey, Executive Vice President of the National Fair Housing Alliance®, issued the following statement about the new CRA regulations:

“The National Fair Housing Alliance (NFHA™) is extremely disappointed regulators failed to use this rewrite of the CRA rules to tackle head-on the barriers to credit that Black, Latino and other people of color face in markets throughout the country. Although the regulators have a statutory obligation under the Fair Housing Act to promote fair housing, they failed to explicitly incorporate race into the CRA, which means that White communities, including low-income communities, will continue to have better access to fair and responsible mainstream financial services while communities of color will continue to be disproportionately locked out.


Courage and intentionality are needed to disrupt the status quo, and the status quo in our country’s banking system is in dire need of disruption. This rulemaking is a missed opportunity to reform the banking system to increase inclusivity and expand credit access in underserved communities of color, which benefits those communities and the economy overall. Banks have a special responsibility to provide fair access to all communities, as they receive special public benefits to do so. We urge banks not to use the regulators’ failure with this rulemaking as an opportunity to retreat from their responsibilities, but instead to double down on their efforts to serve their entire communities fairly, including communities of color.


CRA was designed to remedy redlining, which limits access to mainstream financial products for communities of color, perpetuates our country’s enormous and long-standing racial gaps in homeownership and wealth and undermines our collective prosperity. The recent announcement by the U.S. Department of Justice that it has reached more than $100 million in settlements in redlining cases is a stark reminder that redlining persists and underscores the importance of using all the tools at our disposal – including the CRA – to stamp it out. We also must not forget that the first round of $350 billion of the Paycheck Protection Program (PPP) went mostly to White-owned businesses as Black, Latino, Asian, and Native Americans had a greater than 90% chance of not securing a PPP loan because they did not have existing relationships with banks.


The new rule does acknowledge the benefits of using Special Purpose Credit Programs as a tool for increasing access to credit for communities of color, which is an important step forward. It maintains the crucial requirement that the regulators will generally count a referral to the Department of Justice as well as other evidence of a fair lending violation, in helping to determine a bank’s CRA rating. It also introduces new transparency on the income, race, and ethnicity for consumers and communities with respect to home loan originations in each of the bank’s assessment areas. However, this information will not cause independent action on conclusions or ratings and will not reflect any fair lending findings or violations. It also gives special consideration to the work of Community Development Financial Institutions (CDFIs); however, it lacks important guardrails for CDFIs with assets greater than $1 billion that are not currently serving their target markets, especially Black communities, well.


NFHA appreciates the effort that the federal banking regulators put into this much-needed overhaul of the CRA regulations. We will continue to review the rule in more detail and may share additional analysis in the future. Meanwhile, we urge the regulators to redouble their efforts to ensure regulations serve and benefit entire communities and not just some; appropriately supervise financial institutions for fair lending compliance; and ensure fair access to mortgages and other credit for everyone in this country, regardless of race or national origin.”

The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities. 

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National Fair Housing Alliance Applauds DOJ’s Historic Redlining Settlements https://nationalfairhousing.org/national-fair-housing-alliance-applauds-dojs-historic-redlining-settlements/ Thu, 19 Oct 2023 21:06:29 +0000 https://nationalfairhousing.org/?p=8062 FOR IMMEDIATE RELEASEOctober 19, 2023Contact: Janelle Brevard | jbrevard@nationalfairhousing.org Washington, D.C. — The U.S. Department of Justice (DOJ) announced today that its Combatting Redlining Initiative has secured over $107 million in relief for communities of color nationwide. National Fair Housing Alliance® (NFHA™) Executive Vice President Nikitra Bailey released the following statement: “On the second anniversary […]

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FOR IMMEDIATE RELEASE
October 19, 2023
Contact: Janelle Brevard | jbrevard@nationalfairhousing.org

Washington, D.C. — The U.S. Department of Justice (DOJ) announced today that its Combatting Redlining Initiative has secured over $107 million in relief for communities of color nationwide. National Fair Housing Alliance® (NFHA™) Executive Vice President Nikitra Bailey released the following statement:

“On the second anniversary of the Combatting Redlining Initiative, we applaud the DOJ for its historic efforts in securing over $100 million for communities of color in Houston, Memphis, Philadelphia, Camden, Wilmington, Newark, Los Angeles, Columbus, Tulsa, Rhode Island, and now Jacksonville. Homeownership serves as the cornerstone for building wealth, ensuring economic stability, and unlocking a myriad of opportunities. These include accruing home equity for vital needs like college education, covering home repairs, managing medical bills, serving as collateral for small businesses, and securing a comfortable retirement. Unfortunately, the Black/White homeownership gap is currently as wide as it was before passage of the Fair Housing Act and the Latino/White homeownership gap continues to lag. We applaud the DOJ’s proactive work to end the legacy of redlining Black and Latino communities by pursuing strong enforcement actions. No person should be denied access to economic opportunities based on their race or national origin.

“Given the central role that homeownership plays in the economic security of the American consumer and the economy overall, NFHA has provided access to a Redlining Toolkit to help civil rights and consumer advocates, journalists, researchers, and lenders understand redlining risk and take action to protect consumers and communities. The toolkit serves as a roadmap for those who want to ensure fair and equitable access to credit and compliance with applicable laws.”

The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities. 

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National Fair Housing Alliance Applauds Senate Confirmations of Dr. Lisa Cook, Dr. Adriana Kugler, and Dr. Philip Jefferson to the Federal Reserve https://nationalfairhousing.org/national-fair-housing-alliance-applauds-senate-confirmations-of-dr-lisa-cook-dr-adriana-kugler-and-dr-philip-jefferson-to-the-federal-reserve/ https://nationalfairhousing.org/national-fair-housing-alliance-applauds-senate-confirmations-of-dr-lisa-cook-dr-adriana-kugler-and-dr-philip-jefferson-to-the-federal-reserve/#respond Thu, 07 Sep 2023 17:06:15 +0000 https://nationalfairhousing.org/?p=7636 FOR IMMEDIATE RELEASE  September 6, 2023 Contact: Janelle Brevard │ Jbrevard@nationalfairhousing.org  National Fair Housing Alliance Applauds Senate Confirmations of Dr. Lisa Cook, Dr. Adriana Kugler, and Dr. Philip Jefferson to the Federal Reserve Washington, D.C. — Following the confirmation of Dr. Lisa Cook, Dr. Adriana Kugler, and Dr. Philip Jefferson to the Federal Reserve Board […]

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FOR IMMEDIATE RELEASE 

September 6, 2023

Contact: Janelle Brevard │ Jbrevard@nationalfairhousing.org 

National Fair Housing Alliance Applauds Senate Confirmations of Dr. Lisa Cook, Dr. Adriana Kugler, and Dr. Philip Jefferson to the Federal Reserve

Washington, D.C. — Following the confirmation of Dr. Lisa Cook, Dr. Adriana Kugler, and Dr. Philip Jefferson to the Federal Reserve Board of Governors by the United States Senate, Nikitra Bailey, Executive Vice President of the National Fair Housing Alliance (NFHA) issued this statement:

“We congratulate these distinguished leaders on confirmations that represent a huge step forward in continuing to break barriers so that our nation’s top policymakers represent the rich diversity of our communities. With this historically diverse slate of nominees, Dr. Jefferson becomes the second Black man to serve as the Board’s vice chair, the number two role of the influential institution shaping monetary policies. Dr. Cook’s renomination to a full 14-year term continues her role as the first Black woman to serve on the Fed and is an acknowledgment of her expert contributions to the Board as a renowned macroeconomist as the nation continues to grapple with inflation. Also, Dr. Adriana Kugler is the first Latina to serve on the Federal Reserve in its 109-year history and will bring a strong background in labor to the Fed’s critically important mandate of maximum employment,” said Nikitra Bailey, NFHA’s Executive Vice President. “Too many families in our country continue to struggle, especially in underserved communities of color and rural communities. The leaders confirmed today have the professional backgrounds that will make them much-needed voices for an inclusive economy as the Federal Reserve tackles pressing issues, such as rising interest rates, employment and the state of our financial institutions. President Biden has put forth leaders with diverse experiences and expertise and who understand the kitchen-table issues facing everyday people that will positively impact the Federal Reserve Board of Governors, small businesses, workers and families for many years to come.” 

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations and individuals throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.

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Memphians: Know Your Fair Housing Rights https://nationalfairhousing.org/memphians-know-your-fair-housing-rights/ https://nationalfairhousing.org/memphians-know-your-fair-housing-rights/#respond Wed, 18 Jan 2023 00:16:42 +0000 https://nationalfairhousing.org/?p=6164 In addition to an overview of fair housing rights, this fact sheet provides information about source of income (SOI) discrimination and how you can report it.

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Learn about Housing Rights and Source of Income Discrimination

Get the Fact Sheet

In addition to an overview of fair housing rights, this fact sheet provides information about source of income (SOI) discrimination and how you can report it.

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If You Think You’ve Received an Unfair Appraisal, HUD Can Help https://nationalfairhousing.org/file-appraisal-complaint-with-hud/ Wed, 08 Jun 2022 17:32:16 +0000 https://nationalfairhousing.org/?p=4611 What is PAVE? PAVE is a first-of-its-kind interagency task force dedicated to ending bias in home valuation. The task force includes 13 federal agencies and offices and is chaired by the U.S. Department of Housing and Urban Development and the White House Domestic Policy Council.

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Get Help from HUD

If you think you received an unfair appraisal, we can help. Learn how to file different types of complaints and continue visiting this page as we add additional resources to help you understand your rights and how to address bias in appraisals.

What is PAVE?

PAVE is a first-of-its-kind interagency task force dedicated to ending bias in home valuation. The task force includes 13 federal agencies and offices and is chaired by the U.S. Department of Housing and Urban Development and the White House Domestic Policy Council.

PAVE’s Action Plan

Learn More About PAVE

On June 1, 2021, the centennial of the Tulsa Race Massacre, President Biden announced the creation of an interagency initiative to combat bias in home valuations. President Biden directed the PAVE Task Force to (i) evaluate the causes, extent, and consequences of appraisal bias, and (ii) establish a transformative set of recommendations to root out racial and ethnic bias in home valuations.

PAVE is a first-of-its-kind interagency task force dedicated to ending discrimination in home valuations. The task force includes 13 federal agencies and offices and is chaired by Director of the Domestic Policy Council Ambassador Susan E. Rice and the U.S. Housing and Urban Development Secretary Marcia L. Fudge.

One of the main reasons that the Task Force is focused on home appraisals is because of how appraisals can impact the homeownership and wealth gaps. An appraisal is an important part of the homebuying process, as it establishes the value of the property for a home loan. Simply stated, fair and accurate appraisals directly impact national homeownership rates. More than 50 years since the Fair Housing Act’s passage, the racial homeownership gap is wider than ever: in 2021, the Black homeownership rate reached only 44 percent, while the white homeownership rate reached 74 percent.

The Task Force believes that if the Federal Government advances equity in the appraisal process, it can also make substantial progress toward closing the racial homeownership and wealth gap.

The Task Force is focused on combatting racial and ethnic bias that can cause a low valuation during the homebuying or refinance process. During the homebuying process, a low valuation can cause the sale to fall through. This may harm both the buyer and the seller, as the buyer is unable to become a homeowner, and the seller is unable to realize potential gains from the sale A low valuation in a refinance transaction can result in the lender making credit-risk related price adjustments that lead to higher interest rates for the borrower. In some cases, it can result in the borrower not being eligible for the refinance. In the common case where borrowers are seeking to access some of their realized home equity wealth via a cash out refinance, a low valuation can reduce the amount of wealth available to the borrower.

Both occurrences can impact property values and the accumulated wealth of homeowners in that community. Ultimately, this can inhibit how families in that community leverage equity to pay for college, pay for repairs, or provide a buffer during financial hardship. Reduced property values can also diminish the property tax revenue that funds the maintenance and improvement of community schools and amenities.

The Action Plan is a document that outlines clear actions that federal agencies will take to root out appraisal bias. The Action Plan is part of an ongoing commitment from the Federal Government to expand homeownership rates for families and communities of color. This commitment will continue to be informed by data, members of industry, advocacy, fair housing, and academic organizations, and by the stories of all Americans who dream of homeownership.

The Task Force has made significant progress since its first meeting in August 2021. For example, the Appraisal Subcommittee (ASC) launched an independent review of the Uniform Standards of Professional Appraisal Practice (USPAP) and the qualification criteria for the appraiser industry to understand potential barriers to entry for underrepresented communities. Additionally, in November of 2021, FHA issued a Mortgagee Letter to clarify nondiscrimination requirements applicable to appraisers and lenders. The Action Plan includes a full list of successes to date.

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How Do I File a Discrimination Complaint?

To learn more about your fair housing rights during the homebuying or refinancing process, contact HUD’s Office of Fair Housing and Equal Opportunity (FHEO). Visit the FHEO website to file a fair housing complaint.

The post If You Think You’ve Received an Unfair Appraisal, HUD Can Help appeared first on NFHA.

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The National Fair Housing Alliance Issues Statement Following the Senate’s Confirmation of Judge Ketanji Brown Jackson to the Supreme Court of the United States https://nationalfairhousing.org/the-national-fair-housing-alliance-issues-statement-following-the-senates-confirmation-of/ https://nationalfairhousing.org/the-national-fair-housing-alliance-issues-statement-following-the-senates-confirmation-of/#respond Thu, 07 Apr 2022 21:24:04 +0000 https://nationalfairhousing.org/?p=5087 April 7, 2022 Contact: nfha@skdknick.com Judge Jackson makes history as the first Black woman confirmed to the Court  Washington, D.C. – Lisa Rice, CEO, National Fair Housing Alliance (NFHA) issued the following statement following the confirmation of Judge Ketanji Brown Jackson to the U.S. Supreme Court: “Today is a historic and joyful day for our […]

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April 7, 2022

Contact: nfha@skdknick.com

Judge Jackson makes history as the first Black woman confirmed to the Court 

Washington, D.C. – Lisa Rice, CEO, National Fair Housing Alliance (NFHA) issued the following statement following the confirmation of Judge Ketanji Brown Jackson to the U.S. Supreme Court:

“Today is a historic and joyful day for our nation. The barrier-breaking confirmation of Judge Ketanji Brown Jackson to serve as the first Black woman Associate Justice on the highest court in the nation is a time of celebration for all but especially, Black women and girls everywhere. 

“Watching today’s confirmation in the U.S. Senate, where Black people and other groups remain underrepresented, provided living proof of what is possible in America. Judge Jackson represents the absolute best of our American ideals, values, and promises. She is an eminently qualified jurist and will bring to the bench her incredible lived experiences as a former Supreme Court clerk and prosecutor as well as a Black woman whose family has been directly impacted by segregation and discrimination. Judge Jackson will bring to the Court her strong adherence to the rule of law and continued pursuit of equal justice for all. NFHA is pleased that Judge Jackson’s confirmation received bipartisan support, which is proof of her brilliant legal mind, stellar experience, strong character, and the knowledge that she will be a fair and impartial Associate Justice. 

“Judge Jackson stands as a living testament for every person who, for far too long, has not seen themselves represented in the fabric of our democracy. Judge Jackson’s confirmation is a further step toward the equality, liberation, and representation that the founders of our country promised and that we deserve. 

“On a personal note, as a Black woman with a long career in advancing civil rights and housing justice, I am moved beyond words when I think of the sacrifices my ancestors have made to help this nation live up to its ideals. The fact that Black girls and women can now look at the highest court in the land and see their image reflected is a moment that we all should applaud and be proud of as Americans.”

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities. 

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The National Fair Housing Alliance Issues Statement in Response to the Nomination of Judge Ketanji Brown Jackson Advancing to the Full U.S. Senate https://nationalfairhousing.org/the-national-fair-housing-alliance-issues-statement-in-response-to-the-nomination-of-judge-ketanji-brown-jackson-advancing-to-the-full-u-s-senate%ef%bf%bc/ https://nationalfairhousing.org/the-national-fair-housing-alliance-issues-statement-in-response-to-the-nomination-of-judge-ketanji-brown-jackson-advancing-to-the-full-u-s-senate%ef%bf%bc/#respond Mon, 04 Apr 2022 21:43:27 +0000 https://nationalfairhousing.org/?p=5001 April 4, 2022 Contact: nfha@skdknick.com Judge Jackson’s nomination moves closer to confirmation as full Senate prepares to make history confirming the first Black woman to the Supreme Court of the United States Washington, D.C. –Lisa Rice, President, and CEO, National Fair Housing Alliance (NFHA), issued the following statement in support of Judge Jackson’s nomination moving […]

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April 4, 2022

Contact: nfha@skdknick.com

Judge Jackson’s nomination moves closer to confirmation as full Senate prepares to make history confirming the first Black woman to the Supreme Court of the United States

Washington, D.C. –Lisa Rice, President, and CEO, National Fair Housing Alliance (NFHA), issued the following statement in support of Judge Jackson’s nomination moving forward to the full U.S. Senate:

“The many institutions that comprise our federal system – from the legislature to banking and the judiciary – have historically not reflected the diverse tapestry of this country. Far too long, Black people, whose brutally forced labor turned our country into a global superpower, have been overlooked or underrepresented by the symbols representing our democracy.

“Today, members of the Senate Committee on the judiciary took a step toward equitable representation, and inclusive democracy, with the advancement of Judge Ketanji Brown Jackson’s nomination to the Supreme Court of the United States.

“In the more than 200-year history of the Court, Judge Jackson stands out as an eminently qualified jurist. Judge Jackson, a daughter of educators, who rose from the segregated Jim Crow South to numerous personal and professional accomplishments, has served at the highest levels of the federal legal system and has been confirmed by the U.S. Senate on three occasions.

“NFHA believes Judge Jackson can bring a fair and informed perspective to the Court. Representation matters, and we are confident Judge Jackson’s presence on the Court will have a profound impact on further producing an equitable system of justice that dispenses equal justice under the law.

“In the coming days, the full U.S. Senate will consider Judge Jackson’s nomination, and we call on each Senator to vote in favor of a jurist who represents the absolute best of our democracy.”

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The National Fair Housing Alliance (NFHA) is the country’s only national civil rights organization dedicated solely to eliminating all forms of housing and lending discrimination and ensuring equal opportunities for all people. As the trade association for over 170 fair housing and justice-centered organizations throughout the U.S. and its territories, NFHA works to dismantle longstanding barriers to equity and build diverse, inclusive, well-resourced communities.


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