The Fair Housing Act of 1968 was enacted to ensure equal access to housing for all people regardless of race. The Act, including all amendments, prohibits discrimination in the rental, sale or financing of housing based on race. Some of the common forms of housing discrimination based on race include:
- Refusing to rent or sell to someone based on their race
- Refusing to negotiate for housing or making housing otherwise unavailable
- Providing different terms, rules or conditions to different racial groups
- Imposing different or higher rates or fees to members of different racial groups
- Steering or otherwise encouraging people of a certain race or ethnicity to live in certain areas.
In the sale of real property, it includes:
- Refusing to make a mortgage loan on the basis of race
- Different or phony appraisals of properties
- Refusing to sell homeowners insurance to customers based on the racial composition of the neighborhood (redlining)
- Making different loan terms to buyers based on their race
- Targeting particular racial and ethnic groups for exotic, inferior, or high cost loans (predatory lending/reverse redlining).
Often, the only way to tell if racial discrimination is occurring is by testing the entity suspected of discrimination. If you are a resident of the Commonwealth of Virginia and feel that you have been discriminated against on the basis of race, please report the suspected discrimination.