The Fair Housing Act: how it Works And Examples Understanding the FHA The Fair Housing Act: How It Works and Examples 1. Student Loans and the Racial Wealth Gap 2. Wage Gaps by Race 3. Credit Rating by Race 4. Retirement Savings by Race 5. Retirement Savings 6. Treatment Decision-Making Tools 7. Discriminatory Underwriting Guidelines 8. The Insurance Industry 1. History of Lending Discrimination 2. Contract Buyers League 3. Redlining 4. Restrictive Covenant 5. What HUD Does 6. VA Housing Loans and Race 7. Bureau of Indian Affairs Housing Programs 1. Academic Leadership by Race 2. Best Programs Improving Diversity in Finance 3. Government Leadership by Race 4. Racial Diversity in the Judiciary 5. Corporate Leadership by Race 1. Civil Rights Act 1964 2. Equal Credit Opportunity Act 3. Community Reinvestment Act (CRA). 4. Fair Housing Act CURRENT ARTICLE 5. Home Mortgage Disclosure Act. 6. Should America Pay Slavery Reparations? What Is the Fair Housing Act? The Fair Housing Act, established in 1968, is a federal law that forbids discrimination in a lot of housing-related activities, consisting of buying, selling, leasing, or funding, based upon race, color, sex, national origin, or faith. It has been changed to consist of protections versus discrimination based upon impairment and familial status. The act usually covers a wide range of housing; nevertheless, there are restricted exceptions. It doesn't apply to owner-occupied buildings without any more than 4 units, single-family houses sold or leased straight by the owner without an agent, and housing operated by religious companies or private clubs that limit occupancy specifically to their members. This act constitutes Title VIII of the Civil Liberty Act of 1968.