Discrimination in mortgage lending is prohibited by the Fair Housing Act, as is all

credit-related discrimination under the Equal Credit Opportunity Act (ECOA). HUD's

Office of Fair Housing and Equal Opportunity actively enforces the fair lending

provisions of the Fair Housing Act, and the US Consumer Protection Financial

Bureau enforces the ECOA and other new federal legislation including the Secure

and Fair Enforcement for Mortgage Licensing Act (SAFE Act), as of July 2011.

Discrimination in lending is not always obvious to borrowers, and even lending policies that seem fair may not be fair at all, if they result in a disproportionate, negative effect on a group that is protected under the Fair Housing Act or the ECOA, such as a particular race or families with children. Borrowers should know that the Fair Housing Act makes it unlawful to engage in any of the following discriminatory lending practices, based on the borrower’s race, color, national origin, religion, sex, familial status or handicap (disability): Refuse to make a mortgage loan Refuse to provide information regarding loans Impose different terms or conditions on a loan, such as different interest rates, points or fees Discriminate in appraising property Refuse to purchase a loan or set different terms or conditions for puchasing a loan Resources to assist borrowers and real estate financial professionals in understanding the requirements of the Fair Housing Act include the HUD Fair Lending website and the US Consumer Protection Financial Bureau. Click here for resources related to Fair Lending.  
Fair Housing SC
Fair Lending

Fair Housing is not an option. It’s the law.

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