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The Fair Housing Act Described

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By : Sonia Smith    99 or more times read
The Fair Housing Act covers most housing. However, in some instances it exempts single-family homes sold or rented without a broker, owner-occupied buildings with not more than four units and housing operated by private organizations that only allow occupants to the members of the organization. The HUD played a big role in administering the FHA since it started in the year 1968. However, the amendments have increased the departmentís enforcement role. The Fair Housing Act prohibits discriminating based on race, color, religion, national origin and sex. The amendment in 1988 includes discrimination against persons with disability and familial status, such as the presence of children under 18. The act makes it unlawful for a person or persons to refuse accommodations to disabled persons.

Another type of discrimination that is unlawful by the FHA is the refusal of housing providers and homeowners associations to grant permission to modify the property when it is necessary for the full enjoyment and comfort of the resident. What the FHA considers as reasonable modification is structural alteration of the current building occupied or to be occupied by a person with disability. Although the homeowner association allows the modification, the tenant shoulders the costs of the modification.

When it comes to the sale or rental of a property, nobody should refuse sell o rent, refuse to negotiate, make housing unavailable to a person based on religion, color, race, sex, national origin, familial status and disability. Additionally, in mortgage lending, no mortgage company or lending company may refuse to make a mortgage loan, refuse to provide loan information, impose different interest rates, conditions and fees and discrimination in appraisal of a property. It is unlawful for anyone to threaten, coerce, interfere or intimidate anyone exercising a fair housing act or helping others exercise that right.

If you think that your rights are being violated, the HUD is always ready to assist you. You can make a complaint where you can submit online, call the nearest HUD office or write a letter. You are given one year to file a complaint against an alleged violation, but it is preferable to file it right away. When you file a complaint, do not forget to include your name and address, the name and address of the person you are filing a complaint against, address and other identification of the property involved, brief description and date of the alleged violation. The HUD will investigate your complaint and lets the person submit an answer. It makes investigation and will let you know if it will not be able to complete an investigation within 100 days from receipt of the complaint.

The HUD will try to come up with a conciliation agreement, which is to protect you and the interest of the public. Once the agreement is signed, the HUD will not take further action on the complaint. However, if it deems reasonable cause that the agreement is violated or breached, it will recommend an Attorney General to file a suit. The FHA has been in effect for over twenty years now, helping and protecting a lot of people.

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