Lending and the Fair Housing Act

Discrimination in mortgage lending is prohibited by the Fair Housing Act.  The Act makes it unlawful to engage in discriminatory practices based on race, color, national origin, religion, sex, familial status or handicap (disability).  Examples of discrimination in lending include:

All Other Things Being Equal: A Paired Testing Study of Mortgage Lending Institutions

The U.S. Department of Housing and Urban Development contracted with the Urban Institute to rigorously assess the effectiveness of paired testing for determining whether minority homebuyers receive the same treatment and information as whites at the pre-application phase of the mortgage lending process, and to produce rigorous measures of the incidence of unequal treatment in two metropolitan areas.

Fair Lending

LoansThis section examines the requirements of the federal Fair Housing Act pertaining that prohibit discrimination in mortgage lending and servicer practices. This section includes information on foreclosures and foreclosure prevention.


Predatory Lending FAQ

Two video clips on exapmles of good and poor lending, as well as some common questions and tips related to predatory lending, such as:

  • What is predatory lending?
  • How do I know if I've been a victim?
  • Fair Housing Advice
  • 12 Tips to Help You be a Smarter Housing Consumer

Fair Lending Poster

ILAS Fair Lending Project poster for the Fair Lending Advice Line.  Available for printing and posting at your business.

Fair Lending Brochure

Idaho Legal Aid Services Fair Lending: Predatory Lending Abuses Brochure.

Helping Elderly Homeowners Victimized by Predatory Mortgage Loans

Equity-rich, cash poor elderly homeowners are an attractive target for unscrupulous mortgage lenders. Many elderly homeowners are on fixed or limited incomes, yet need access to credit to pay for home repairs, medical care, property or municipal taxes, and other expenses. The equity they have amassed in their home may be their primary or only financial asset. Predatory lenders seek to capitalize on elders’ need for cash by offering “easy” credit and loans packed with high interest rates, excessive fees and costs, credit insurance, balloon payments and other outrageous terms...


No se fíe de cualquiera que le ofrezca un "crédito que es una ganga" o un préstamo de "consolidación", aunque lo avisen por correo, por teléfono o llamando a la puerta de casa. No se fíe de los vendedores que prometen un crédito fácil. Sospeche de quien se adelante a contactar
con usted....

High-Cost Home Loans: Don't Be a Target

Be suspicious of anyone who offers you a “bargain loan” or “consolidation” loan, whether they send you an offer, call you on the phone, or come to your door. Don’t rely on salespeople who promise
easy credit. Be suspicious of anyone who contacts you first...

High-Rate, High-Fee Loans (HOEPA/Section 32 Mortgages)

If you’re refinancing your mortgage or applying for a home equity installment loan, you should know about the Home Ownership and Equity Protection Act of 1994 (HOEPA). The law addresses certain deceptive and unfair practices in home equity lending. It amends the Truth in Lending Act (TILA) and establishes requirements for certain loans with high rates and/or high fees.