What is fair housing?

What is fair housing?

Fair housing is the right to choose housing or to obtain a loan or insurance free from unlawful discrimination. Unlawful discrimination is treating someone or a group of people in an unfair or adverse way because of their race, ethnicity or other protected class status.

What are the protected class categories?

The federal Fair Housing Act prohibits discrimination in housing based on the following 7 protected class categories:

Race
Color
National Origin
Religion
Sex
Familial Status
Disability

The Michigan Elliot-Larsen Civil Rights Act and the Persons With Disabilities Civil Rights Act include the same 7 protected class categories and 2 additional categories:

Marital Status
Age

Some local ordinances include additional protected class categories. For example, the City of Detroit’s fair housing ordinance includes 3 additional categories:

Public Benefit Status
Sexual Orientation
Gender Identity or Expression

What kind of housing is covered?

Almost all kinds of residential housing are covered, including private housing, public housing, and housing that receives federal funding. These types of housing include single and multi-family homes, apartment building, condominiums, cooperative units, homeless shelters, nursing homes, school dormitories, rehabilitative group homes, mobile home parks, timeshares and other places where people sleep. 

Temporary housing, such as hotels, motels, hospitals, bed and breakfast facilities, are covered under laws that prohibit discrimination in places of public accommodation.

Who can bring a fair housing claim?

Anyone can bring a fair housing claim. Successful fair housing claims have been filed by one or more individuals, neighbors, corporations and partnerships, real estate agents and brokers, membership organizations such as the NAACP, HUD, state and local agencies, and housing developers.

What kinds of actions are prohibited?

It is illegal to engage in any of the following actions because of race, color, religion, sex, disability, familial status, national origin or other protected class categories:

Sale or Rental of Housing
  • Refusal to rent or sell housing
  • Refusal to negotiate for housing
  • Otherwise making housing unavailable
  • Falsely representing that housing is unavailable for inspection, sale or rental
  • Setting different terms or conditions for sale or rental
  • Imposing different sales prices or rental charges
  • Using different qualification criteria or applications, or sale or rental standards or procedures, such as income standards, application requirements, application fees, credit analyses, sale or rental approval procedures or other requirements
  • Making, printing or publishing any oral or written statement, notice or advertisement that indicates any preference, limitation, exclusion or discrimination
  • Discouraging the purchase or rental of a dwelling
  • Limiting privileges, services or facilities of a dwelling
  • Evicting a tenant or a tenant’s guest
  • Harassing a person
  • Failing or delaying performance of maintenance or repairs
  • Assigning a person to a particular building or neighborhood or section of a building or neighborhood
  • For profit, to persuade, or try to persuade, homeowners to sell their homes by suggesting that people of a particular protected class are about to move into the neighborhood (blockbusting)
  • Refusing to provide renter or homeowner insurance due to the protected class of the owner and/or occupants of a dwelling
  • Denying access to or membership in any real estate brokers’ organization or multiple listing service
Mortgage Lending
  • Refusing to make a mortgage loan or provide financial assistance
  • Refusing to provide information regarding loans
  • Imposing different terms or conditions on a loan, such as different interest rates, points, or fees
  • Discriminating in the appraisal of a dwelling
  • Conditioning the availability of a loan on a person’s response to harassment
  • Refusal to purchase a loan
Retaliation
  • Threatening, coercing, intimidating or interfering with anyone exercising a fair housing right or assisting others who exercise the right
  • Retaliating against a person who has filed a fair housing complaint or assisted in a fair housing investigation
Protections for Persons with Disabilities
  • Refusing to grant reasonable accommodations or permit reasonable modifications that are necessary to allow persons with disabilities to fully use and enjoy their housing
  • Design and construction requirements for certain multifamily housing units must include accessible public and common use areas; doors that are wide enough to allow passage by people using wheelchairs; accessible routes into and through the units; accessible light switches, electrical outlets, and thermostats; reinforcements in bathroom walls for grab bars; and usable kitchens and bathroom.

Why is fair housing so important to our community?

Fair housing guarantees that all persons, regardless of their background, family situation, sex, ethnicity or other factors, have the right to choose housing that best serve their needs—free from prejudices and stereotypes. Fair housing opens doors of housing opportunity, resulting in diverse and vibrant communities.

Fair housing also enhances neighborhood stability, leading to economic development. People who feel welcome in a neighborhood are more likely to make it a permanent home and, in turn, invest resources back into the community.

What should you do if you suspect a fair housing violation?

Report it.