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Fair Housing Advocates of Northern California
  • Home
  • About
    • Mission & History
    • Who We Serve
    • FHANC Staff
    • Board of Directors
    • Financials
    • Pillars of Anti-racism
  • What Is Fair Housing?
    • History of Fair Housing
    • Federal Fair Housing Rights
    • California and Local Fair Housing Rights
    • Housing Industry Resources
    • Fair Housing Resources
    • April: Fair Housing Month
  • Audit Investigations & Reports
  • Programs and Services
    • For Renters
    • For Homeowners - Foreclosure Prevention
    • Education >
      • Fair Housing Literature
      • Community Outreach
      • School Programs
    • Education for Homebuyers
    • Advocacy & AFFH
  • Service Areas
    • Marin County
    • Solano County
    • Sonoma County
    • Other Geographic Areas
  • News & Events
    • In The News
    • Press Releases & Statements
    • Events & Workshops
    • FHANC Newsletters
    • Fair Housing Conference 2023
    • Fair Housing Conference 2022
    • Fair Housing Conference 2021
    • COVID-19 Panel
    • Fair Housing Conference 2020
    • Fair Housing Conference 2019
    • Fair Housing Conference 2018
  • Donate
    • Main Donation Page
    • Cy Pres Awards
    • Vehicle Donations
    • More Ways to Give
  • Get Involved
    • Job Opportunities
    • Become an Investigator
    • Join Our Board
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    • Contact Us
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  • Fair Housing Conference 2025
  • Poetry Contest 2024

Resolution Reached with Appraiser, Appraisal Management Company, and Lender in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

4/17/2025

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FOR IMMEDIATE RELEASE

Contact: 
Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California
(415) 483-7552, [email protected]
Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California
(415) 483-483-7516 [email protected] 

Resolution Reached with Appraiser, Appraisal Management Company, and Lender in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

San Rafael, CA – Fair Housing Advocates of Northern California (FHANC) and Ronald and Dominique Curtis have reached resolutions with an appraiser, appraisal management company (AMC), and lender of a discrimination complaint alleging race and national origin discrimination in the home appraisal process. The complaint against the appraiser was settled in November 2024 for $90,000 and other non-monetary terms. The resolutions reached with the AMC and lender, both of which denied liability or wrongdoing, were for an undisclosed amount and additional terms. 

“We are pleased to have reached resolutions with the appraiser, AMC, and the lender,” said Caroline Peattie, Executive Director of FHANC. “We hope that the injunctive relief – that is, the non-monetary terms of the resolution – will have a positive impact on the appraisal industry and the community it serves.”

The lender agreed to continue its policies and practices for evaluating loan applicant allegations of appraisal discrimination, offering second appraisals from a different appraiser where the original contains objective indicia of discrimination or otherwise contains uncorrected, material defects in violation of appraisal standards, and providing training to employees on when to order a second appraisal.

Resolution was reached after FHANC and the Curtises filed a complaint with the California Civil Rights Department (CRD) in January 2022 against the appraiser, the AMC, and the lender.  The complaint alleged that the Curtises were the owners of a duplex located on Alcatraz Ave. in North Oakland. They purchased their home in 2019, hoping to build equity and someday leave the home to their young daughter. Mr. Curtis, a real estate agent, is Black and Mrs. Curtis, an appraiser, is Latina. After purchasing the home, they made significant renovations and in April 2020, their home was appraised at $1,154,000. In December 2020, in order to take advantage of low interest rates and lower their monthly mortgage payments, they applied to refinance their home loan. 

In connection with that refinance application, the Curtises received a valuation from the appraiser for $900,000 that they felt was too low and the result of discrimination by the appraiser. They submitted a 60-page appeal requesting a reconsideration of value. In response, the appraiser refused to change the appraised value. As a result, the Curtises were unable to secure the loan.

In October 2021, the Alcatraz house sold for $1.2 million – $300,000 more than the appraiser’s valuation.

The Curtises contacted FHANC for assistance. FHANC subsequently investigated their case and filed a complaint on their behalf with CRD.  FHANC also filed its own companion complaint with CRD alleging that the challenged conduct interfered with FHANC’s mission to promote equal housing opportunity and eliminate unlawful housing discrimination. 

Despite the passage of the federal Fair Housing Act (FHA) in 1968, homes in Black and Latinx neighborhoods and homes owned by people of color continue to be valued lower than homes in white neighborhoods and homes owned by white people. Research shows that homes in majority Black neighborhoods are valued 23% less than properties in mostly white neighborhoods, even after controlling for home features and neighborhood amenities, leading to an estimated $156 billion cumulative loss in value nationwide.

“Research suggests that appraisers contribute to the undervaluation of Black and Latinx neighborhoods,” said Julia Howard-Gibbon, FHANC’s Supervising Attorney, “by considering neighborhood racial and ethnic composition in their determination of the market area from which to choose comparable sales; allowing biased assumptions about the race or ethnicity of the homeowner to influence the perceived value of a home; and solely valuing homes based on recent local sales (the sales comparison approach), which recycles home values that were initially determined under explicitly racist appraisal criteria. We believe all three happened in this case.”

“We applaud the Curtises for their decision to pursue this complaint and to shed light on appraisal practices affecting Black and Latinx families in the Oakland area, and are hopeful that this resolution will prevent others from having to face the same experience,” said Maria Callahan, FHANC’s Director of Investigations & Staff Attorney representing the couple.

“FHANC’s mission is to ensure housing opportunity and educate the community on the value of diversity in our neighborhoods,” said Ms. Peattie. “For years, we have been dedicated to investigating appraisal bias in Northern California and educating the community about appraisal discrimination. We filed this action to effect change in the way the industry does business, and we hope that this is a step in the right direction.” 

The Curtises and FHANC are represented by FHANC counsel Julia Howard-Gibbon and Maria Callahan of FHANC as well as Yiyang Wu, Tara Ramchandani, and Valerie Comenencia Ortiz of Relman Colfax PLLC.

If you feel you may have been discriminated against in a recent home appraisal, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101. 

Fair Housing Advocates of Northern California is a non-profit organization serving several Bay Area counties that provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD-Certified Housing Counseling Agency. Please call Fair Housing Advocates of Northern California at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grants FPEI190035 and FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD. 
​

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Settlement Reached with Appraiser and Appraisal Management Company in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

4/17/2025

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FOR IMMEDIATE RELEASE

Contact: 

Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California
(415) 483-7552, [email protected]
​
Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California
(415) 483-483-7516 [email protected]

Settlement Reached with Appraiser and Appraisal Management Company in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

​San Rafael, CA – Fair Housing Advocates of Northern California (FHANC), Ronald and Dominique Curtis, and the California Civil Rights Department (CRD) have reached a settlement with an appraisal management company (AMC) resolving a discrimination complaint filed with CRD alleging race and national origin discrimination in the home appraisal process. The settlement with the AMC was for an undisclosed amount and additional terms. The case against the appraiser was settled in November 2024. 

“We applaud CRD for its thorough investigation and are pleased to have reached settlements with the appraiser and AMC. ” said Caroline Peattie, Executive Director of FHANC. “We hope that the injunctive relief – that is, the non-monetary terms of the settlement – will have a positive impact on the appraisal industry and the community it serves.”

The AMC had been contracted to facilitate the order and delivery of an appraisal of the Curtises’ house in order to determine the value of the collateral for the loan.  The AMC contracted with a licensed real estate appraiser on an independent contractor basis to appraise the Curtises’ house.  The settlement was reached after FHANC and the Curtises filed a complaint with CRD in January 2022 pertaining to an appraisal on their Oakland home. 

The Curtises and FHANC are represented by FHANC counsel Julia Howard-Gibbon and Maria Callahan of FHANC as well as Yiyang Wu, Tara Ramchandani, and Valerie Comenencia Ortiz of Relman Colfax PLLC.

If you feel you may have been discriminated against in a recent home appraisal, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101. 

Fair Housing Advocates of Northern California is a non-profit organization serving several Bay Area counties that provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD-Certified Housing Counseling Agency. Please call Fair Housing Advocates of Northern California at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grants FPEI190035 and FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD. 

Download Press Release Here
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Resolution Reached with Appraiser in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

4/17/2025

0 Comments

 



FOR IMMEDIATE RELEASE

Contact: 
Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California
(415) 483-7552, [email protected]

Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California
(415) 483-483-7516 [email protected] 

Resolution Reached with Appraiser in Discrimination Complaints Alleging Race and National Origin Discrimination in Home Appraisal Process

​San Rafael, CA – Fair Housing Advocates of Northern California (FHANC) and Ronald and Dominique Curtis have reached resolutions with appraiser Mehdi Mehdipour-Mossafer of a discrimination complaint alleging race and national origin discrimination in the home appraisal process. 

The case against the appraiser was settled for $90,000 and other non-monetary terms. Mr. Mehdipour-Mossafer agreed to not engage in any form of unlawful discrimination in the appraisal of residential real estate; to participate in FHANC’s training session regarding the history of segregation and real estate-related discrimination in the Bay Area; and to continue to abide by the Bureau of Real Estate Appraisers’ anti-bias education requirements.

The settlement was reached after FHANC and the Curtises filed a complaint with the California Civil Rights Department (CRD) in January 2022. The complaint alleged that the Curtises were the owners of a duplex located on Alcatraz Ave in North Oakland. They purchased their home in 2019, hoping to build equity and someday leave the home to their young daughter. Mr. Curtis, a real estate agent, is Black and Mrs. Curtis, an appraiser herself, is Latina. After purchasing the home, they made significant renovations and in April 2020, their home was appraised at $1,154,000. 

In December 2020, in order to take advantage of low interest rates and lower their monthly mortgage payments, they applied to refinance their home loan. As part of this process, Mr. Mehdipour-Mossafer, a licensed real estate appraiser, inspected the house and prepared an appraisal report. The Curtises were shocked to receive a valuation from Mr. Mehdipour-Mossafer for $900,000. They submitted a 60-page appeal requesting a reconsideration of value. The Curtises believed racial bias was the reason for the low valuation. However, Mr. Mehdipour-Mossafer refused to change the appraised value, and ultimately, the Curtises were unable to secure the loan. 

After this experience, the Curtises made the difficult decision to sell their home. In preparing their home for sale, they removed all of their belongings, including family photos and other items indicating their race and ethnicity, and hired a real estate agency to stage their home with neutral furnishings and show it to potential buyers. In October 2021, the house sold for $1.2 million –$300,000 more than Mr. Mehdipour-Mossafer’s valuation.

The Curtises contacted FHANC for assistance. FHANC subsequently investigated their case and filed a complaint on their behalf with CRD.  FHANC also filed a companion complaint seeking damages for the resources it expended to investigate the case and counteract the effects of the alleged discrimination through its education and outreach efforts. 

Despite the passage of the federal Fair Housing Act (FHA) in 1968, homes in Black and Latinx neighborhoods and homes owned by people of color continue to be valued lower than homes in white neighborhoods and homes owned by white people. Research shows that homes in majority Black neighborhoods are valued 23% less than properties in mostly white neighborhoods, even after controlling for home features and neighborhood amenities, leading to an estimated $156 billion cumulative loss in value nationwide.

“Research suggests that appraisers contribute to the undervaluation of Black and Latinx neighborhoods,” said Julia Howard-Gibbon, FHANC’s Supervising Attorney, “by considering neighborhood racial and ethnic composition in their determination of the market area from which to choose comparable sales; allowing biased assumptions about the race or ethnicity of the homeowner to influence the perceived value of a home; relying on the unfounded assumption that a typical buyer is white and that white people want to live in predominately white neighborhoods to influence the perceived value of a neighborhood; and primarily valuing homes based on recent local sales (the sales comparison approach), which recycles home values that were initially determined under explicitly racist appraisal criteria. We believe all four happened in this case.”

“We applaud the Curtises for their decision to pursue this complaint and to shed light on appraisal practices affecting Black and Latinx families in the Oakland area, and are hopeful that this resolution will prevent others from having to face the same experience,” said Maria Callahan, FHANC’s Director of Investigations & Staff Attorney representing the couple.

“FHANC’s mission is to ensure housing opportunity and educate the community on the value of diversity in our neighborhoods,” said Ms. Peattie. “For years, we have been dedicated to investigating appraisal bias in Northern California and educating the community about appraisal discrimination. We filed this action to effect change in the way the industry does business, and we hope that this is a step in the right direction.” 

The Curtises and FHANC were represented by Julia Howard-Gibbon and Maria Callahan of FHANC as well as Yiyang Wu, Tara Ramchandani, and Valerie Comenencia Ortiz of Relman Colfax PLLC. 

If you feel you may have been discriminated against in a recent home appraisal, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101.
​

Fair Housing Advocates of Northern California is a non-profit organization serving several Bay Area counties that provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD-Certified Housing Counseling Agency.

Please call Fair Housing Advocates of Northern California at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grants FPEI190035 and FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD.
​

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FHANC Investigation Reveals Widespread Discrimination in Housing Against Black Tenants with Criminal Records in Marin, Sonoma, and Solano Counties

9/18/2024

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FOR IMMEDIATE RELEASE

Contact: Julia Howard-Gibbon, [email protected]


FHANC Investigation Reveals Widespread Discrimination in Housing Against Black Tenants with Criminal Records in Marin, Sonoma, and Solano Counties
 
San Rafael, CA – A recent investigation by Fair Housing Advocates of Northern California (FHANC) has uncovered high rates of housing discrimination against Black renters – particularly those with criminal conviction histories – in Marin, Sonoma, and Solano counties. Despite long-standing federal and state fair housing laws, the report reveals significant evidence of continued housing discrimination based on race. “This report highlights how barriers to housing for people with criminal records – particularly Black Americans who face over-policing and higher incarceration rates – have profound impacts, leaving many unhoused and at higher risk of recidivism,” said Julia Howard-Gibbon, FHANC’s Supervising Attorney.
 
While HUD discourages the use of criminal records in determining tenant eligibility, this report shows that most landlords fail to follow that recommendation. Instead, the explosive increase in algorithmic tenant screening products, commonly used by landlords to screen for criminal records, has become a major barrier to housing access for people with criminal histories, which in this country is one third of the population. And due to the over policing of communities of color, Black individuals are stopped by police, arrested, prosecuted, convicted, and incarcerated at rates disproportionate to their share of the general population. As such, Black people, who already experience discrimination at higher rates, are disproportionately affected by these screening policies.
 
FHANC conducted 120 investigations at 30 large rental properties in Marin, Sonoma, and Solano counties and analyzed the experiences of Black and white “testers” posing as prospective renters with criminal conviction histories to determine whether Black applicants with criminal histories are discriminated against on the basis of race and/or disproportionately excluded from housing because of their conviction records. Each investigation consisted of four testers – two Black and two white – who contacted landlords to ask whether they screen for criminal histories, what the landlord’s screening policy is, and whether the tester’s application would likely get denied based on the conviction history in the tester’s assigned profile (some had felonies and some had misdemeanors).
 
After analyzing the tenant screening policies that were described to testers (and/or provided to them in writing), FHANC found that of the 25 landlords that screen for criminal records, not one follows all of HUD’s guidelines to avoid disproportionately excluding Black applicants in violation of the Fair Housing Act. And most importantly, all but two fail to allow applicants to appeal denials or provide mitigating information regarding the circumstances of their conviction. “This is a significant finding because these are large properties, representing a total of 5,211 units,” said Ms. Howard-Gibbon. “That’s 5,211 units that people with criminal records, who are disproportionately people of color, would likely not be able to access based on these policies. If that percentage is expanded to the broader area, that’s more than 92,000 units in Marin, Sonoma, and Solano counties alone.”
 
Additionally, FHANC found that 14 of the 30 landlords investigated treated the Black testers less favorably than the white testers. For example, at one property, a white tester was told that a felony conviction on her boyfriend’s record would be overlooked if she applied with a co-signer while the Black tester whose boyfriend had the exact same record was told the conviction would result in an automatic denial and she was advised not to apply.
 
Key Findings from the Report:
 
  • Differential Treatment Based on Race: 47% of investigations revealed evidence of differential treatment, where Black testers were treated less favorably and/or received less information, follow-up, or encouragement compared to white testers with similar criminal records.
 
  • Use of Criminal Background Screening Policies: 83% of the properties investigated screen for criminal records, despite HUD recommendations discouraging this practice because criminal history is not a reliable predictor of tenant success.
 
  • Disparate Impact: None of the landlords investigated that screen for criminal records follow all of HUD’s guidelines on how to avoid fair housing violations, and the vast majority fail to conduct individualized assessments or consider mitigating factors like the age of the individual at the time of the alleged conduct, how long ago the conviction occurred, evidence of good tenant history since the conviction, and/or rehabilitation efforts. All landlords investigated that screen for criminal records use third-party tenant screening services, which utilize algorithms that may contain racial or other prohibited bias in their design and have not been shown to reliably predict risk. FHANC’s investigation found that most of the landlords that use third-party screeners rely on them to make eligibility decisions, with no opportunity for the applicant to appeal that decision or provide mitigating information.
 
  • Deterrent Effect of Vague Policies: While most criminal record screening policies would likely deter anyone with a more serious criminal record from applying, 18 of the 25 policies described to testers were so vague that even people with less serious records, like someone with a very old conviction or a recent misdemeanor, would likely be deterred from applying because the only way to know whether the conviction would not result in denial is to pay a non-refundable application fee ($20 to $60 per adult household member).
 
  • Widespread Implications: Based on the rate of discrimination found in this report, there are more than 92,000 apartments at large properties (more than 30 units) in Marin, Sonoma, and Solano counties that screen for criminal records and disproportionately exclude Black renters based on their criminal history.
 
  • Similar Rates of Discrimination in Each County: While housing providers in Solano County were revealed to be the most discriminatory, with 50% treating Black testers less favorably than white testers and 90% having criminal background screening policies that disproportionately exclude Black applicants, the rate of discrimination was similarly and alarmingly high in all three counties.
 
“The implications of this report touch on broader social justice issues that affect underserved communities,” said Audrey Perrott, FHANC’s Acting Executive Director. "The findings are troubling and underscore the continued systemic barriers Black individuals with criminal histories face when trying to secure stable housing." FHANC urges the housing industry to re-evaluate its screening policies to align with fair housing laws and to focus on equitable access for all renters. "We hope this report serves as a catalyst for change and brings greater attention to the need for fair housing reforms across our communities," said Savannah Wheeler, FHANC’s Housing and Policy Attorney. The organization has put forward several key recommendations and next steps, based on the findings in this report.
 
 
 
Recommendations and Next Steps:
 
  • Adopting Local Fair Chance Housing Ordinances: Marin, Sonoma, and Solano counties should pass local ordinances prohibiting housing providers from considering criminal records in tenant screening. HUD recommends this approach because criminal background checks disproportionately impact Black applicants, and research shows that criminal history is not a good predicter of housing success. Other jurisdictions have passed similar ordinances that have significantly reduced barriers for people with criminal legal system involvement in those areas.
 
  • Increasing Education and Training: Increased fair housing education and training for housing providers is necessary to prevent future violations. The fact that so many housing providers were willing to state their discriminatory criminal record policies in writing or to testers, suggests that some (if not many) are unaware of HUD’s guidelines and how criminal record screening policies may violate fair housing laws. While it is less surprising to find evidence of discrimination by “mom and pop” landlords who have less access to training and legal advice, the fact that this investigation – which was only conducted at larger properties – revealed extremely high rates of discrimination underscores the need for continuous training for owners and managers of rental property, with an emphasis on criminal record screening policies.
 
  • Bringing Enforcement Actions to Prevent Future Discrimination: FHANC plans to notify landlords with discriminatory policies, conduct additional testing, and then pursue enforcement actions, including lawsuits or administrative complaints, against housing providers that continue to engage in discriminatory practices, in order to prevent future discrimination, to deter other landlords from engaging in similar behavior, and to publicize this issue more broadly.

For media inquiries, contact:

Julia Howard-Gibbon
Supervising Attorney
[email protected]
 
 
-------------------------------------------------------------------------------------------------------------------
Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grant FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD.
 
Founded as a non-profit in 1986, Fair Housing Advocates of Northern California (FHANC) serves several Bay Area counties, providing fair housing counseling, investigation, intervention, and legal referrals to persons experiencing housing discrimination. FHANC conducts outreach and offers programs that educate the community about fair housing and the value of diversity, conducts trainings for housing providers, and offers pre-purchase and foreclosure prevention counseling and education. FHANC is a HUD-Certified Housing Counseling Agency. For more information or for fair housing assistance visit www.fairhousingnorcal.org or call 415-457-5025 or TDD: 800-735-2922. Se habla español.

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Marin Community Foundation (MCF) Awards Fair Housing Advocates of Northern California $200,000 per year for three years

7/1/2024

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July 1, 2024
 
FOR IMMEDIATE RELEASE:
 
Contact:
Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California, (415) 483-7552, [email protected]
 
Audrey Perrott, Development Director, Fair Housing Advocates of Northern California, (628) 272-9848, [email protected]
 
Subject: Marin Community Foundation (MCF) Awards Fair Housing Advocates of Northern California $200,000 per year for three years
 
Through Marin Community Foundation’s (MCF’s) new funding initiative, the Community Power Initiative, Fair Housing Advocates of Northern California (FHANC) and 79 other nonprofits and/or collaborations serving Marin County were awarded $30 million to be paid over three years. 
 
MCF’s new funding strategy provides flexible, multi-year general operating support grants. The Community Power Initiative will primarily fund organizations that serve underrepresented and underserved populations. Although the initiative serves County-wide programs, MCF is giving special attention to marginalized neighborhoods, the Canal area in San Rafael, Marin City, and pockets of West Marin and Novato.
 
This crucial funding will enable FHANC to promote long-term housing security and fair, accessible, and equitable housing for all, through prevention, intervention, systemic change through investigations and legal action, and systemic change through policy advocacy. FHANC’s focus is on members of protected classes, including members of communities of color, people with limited-English proficiency, people with disabilities, seniors, LGBTQ+ people, Housing Choice Voucher recipients, and families with children, who have been disproportionately affected by systemic discrimination and are at a greater risk of being displaced from stable housing and/or becoming homeless.

FHANC will expand its outreach capacity to better reach protected classes to inform them of their fair housing rights as well as provide resources and complaint referral so FHANC can counsel and advocate for more residents. FHANC will provide fair housing, prepurchase, and foreclosure prevention services. FHANC is planning a number of community events to educate tenants with disabilities; community members and nonprofit staff; public and private housing providers; community members, agency staff, and other stakeholders; and local, state, and federal jurisdictional staff on fair housing laws. “We are extremely grateful to MCF for this significant investment in FHANC, its clients, and the Marin community,” said Caroline Peattie, Executive Director of FHANC. “This grant provides FHANC with the flexibility to use funds in a way that allows us to most effectively serve our clients and advocate for fair housing policies. We are excited and honored to work with MCF as our partner.” 
Fair Housing Advocates of Northern California (FHANC) is a non-profit organization serving several Bay Area counties that provides free counseling, enforcement, intervention, and legal or administrative referrals to persons experiencing housing discrimination. FHANC also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. FHANC is a HUD-Certified Housing Counseling Agency. If you have experienced housing discrimination as a renter, homebuyer, or homeowner (in any housing transaction – from your landlord, realtor, lender, insurer, or appraiser), contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101 or TDD: (800) 735-2922 for more information.
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Discrimination Complaint Alleging Race Discrimination in Home Appraisal Process Settled with Appraiser

5/7/2024

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May 7, 2024  

FOR IMMEDIATE RELEASE  

Contact:  
Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California  (415) 483-7552, [email protected] 
Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California (415) 483-483-7516 [email protected]  

Discrimination Complaint Alleging Race Discrimination in Home Appraisal Process Settled with Appraiser 

San Rafael, CA – Fair Housing Advocates of Northern California (FHANC) and their client, a Black  homeowner in Oakland, announce the settlement of a complaint against a lender and Michael Ustick, a licensed  real estate appraiser, resulting in significant monetary and injunctive relief. The complainants filed the fair  housing complaint with the California Civil Rights Department (CRD) in December 2022 alleging housing  discrimination due to race in the appraisal process.  

Both the lender and Mr. Ustick denied any liability or wrongdoing in connection with the claims made in the  complaint but agreed to make changes to their business practices to prevent discrimination as part of the  settlement. Most notably the lender agreed to conduct an internal review by a different appraiser of any  appraisal where the borrower alleges discrimination and to order a new appraisal if it is determined that the  appraisal was discriminatory or otherwise materially deficient.  

“We are pleased to have reached an agreement so that Ms. Trent (an alias) can have closure and move on with  her life,” said Caroline Peattie, FHANC’s Executive Director. “This was another example of how an unfairly  low appraisal can affect your ability to access a loan with good terms. Regrettably, Ms. Trent’s experience is  not unique. There is plenty of research that shows that Black and Latinx applicants are more likely than white  applicants to receive an appraisal value lower in both the sales and refinancing process – studies show that  appraisers still seem to value neighborhoods and relevant comparable properties (comps) and make substantial  adjustments to comps based on the demographics of the neighborhood where properties are located. This is part  of what we believe happened in our client’s case.”  

Ms. Trent applied to a mortgage company to refinance her home loan and to use some of the equity to finance  needed repairs and renovations. The company hired Michael A. Ustick, a real estate appraiser, to inspect her  home on December 8, 2021, and prepare an appraisal report. Mr. Ustick conducted an inspection of Ms. Trent’s  home in the Allendale neighborhood of East Oakland. Allendale is located completely within census tract 4070,  which is 85.47% non-white and/or Latinx. Despite the recent increase of white residents to the neighborhood,  Allendale is still a majority minority neighborhood and is still perceived as a Black neighborhood. Mr. Ustick  appraised her home for $785,000, well below the valuations she had received in two previous appraisals.  

Because of the low appraisal, the mortgage company denied her loan. One month later, Ms. Trent applied for a  loan through a different lender. The subsequent appraisal report valued her home at $1,125,000, a $340,000  difference. FHANC’s complaint alleged that Mr. Ustick took into account both Ms. Trent’s race and the current  and historical racial demographics of Ms. Trent’s neighborhood in East Oakland, based on a number of factors, for example his unreasonably low valuation of her home and his unreasonable adjustments of comparable sales resulting in a significantly lower valuation. 

The complaint alleged that as a result of the discrimination she experienced, Ms. Trent lost a financing  opportunity, suffered economic losses, including the cost of the appraisal and increased cost of renovations due  to the delay, as well as emotional distress. “The worst was the emotional distress,” said Ms. Trent. “I was relying on being approved for the loan to in order to make improvements to my heating and bathroom going into the winter. As a respiratory therapist working during the COVID-19 pandemic, my stress levels were  already high, and this just pushed me to the brink. After getting this low appraisal that I knew was off the mark  and being denied the loan and then not having my concerns taken seriously, I felt humiliated, angry, and  depressed and my blood pressure went up. When I see a news story about discrimination, I start feeling these  emotions all over again.” 

The settlement agreement included monetary damages and significant injunctive relief from both the appraiser  and the lender. The lender agreed to provide appraisal and lending discrimination training for its employees; require appraisers to certify that they will not consider the race or ethnicity of the borrower or the racial or  ethnic demographics of the neighborhood of the property being appraised; periodically evaluate their contract appraisers for evidence of discrimination, with consequences for those appraisers found to indicate  discrimination; maintain a Consumer Complaint System for tracking and responding to consumer complaints of racial or ethnic bias against the lender or its appraisers; publicize on its website and in cover letters accompanying appraisal reports a phone number and email address for borrowers to contact if they suspect  appraisal discrimination; conduct an internal review by an appraiser other than the original appraiser of any appraisal where the borrower requests a reconsideration of value and alleges that discrimination or bias may  have affected the valuation, and order a new appraisal where an internal review indicates that the appraiser’s  valuation was discriminatory or otherwise materially deficient; to participate in the Appraiser Diversity  Initiative to recruit a more diverse appraiser workforce; and preserve records showing compliance with the  agreement and provide them to FHANC upon request. 

Mr. Ustick agreed not to discriminate in the future; watch the ABC documentary “Our America: Lowballed”;  attend a training session regarding the history of segregation and real estate-related discrimination in the Bay  Area provided by FHANC; and continue to abide by the Bureau of Real Estate Appraisers’ continuing  education requirements, including those outlined in California’s AB 948. 

“I’m happy to close the chapter on this,” said Ms. Trent. “Having to experience everything that came with  receiving the lowballed appraisal was really difficult and stressful. Being able to tell my story and feeling as  though I had people at FHANC in my corner really helped. I want people to know that if they experience  discrimination, they can get help from an agency like FHANC, to investigate their case and help them file a  complaint if that’s what they decide they want to do.” 

Ms. Trent was represented by FHANC Staff Attorney Savannah Wheeler and FHANC was represented by  Supervising Attorney Julia Howard-Gibbon of FHANC. 

If you feel you may have been discriminated against in a recent home appraisal, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101. 

Fair Housing Advocates of Northern California (FHANC) is a non-profit organization serving several Bay Area  counties that provides free counseling, enforcement, intervention, and legal or administrative referrals to  persons experiencing housing discrimination. FHANC also offers foreclosure prevention counseling, pre purchase education, seminars to help housing providers fully understand fair housing law, and education  programs for tenants and the community at large. FHANC is a HUD-Certified Housing Counseling Agency.  Please call FHANC at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grant FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are  those of the author(s) and do not necessarily reflect the views of HUD.
Download Full Press Release Here
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Fair Housing Advocates of Northern California Settles Disability Discrimination Complaint

4/17/2024

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April 17, 2024 

FOR IMMEDIATE RELEASE 

Contact: 
Caroline Peattie, Fair Housing Advocates of Northern California
(415) 483-7552, [email protected] 
Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California
(415) 483-7516,
[email protected] 


Announcing: Fair Housing Advocates of Northern California Settles Disability Discrimination Complaint 

San Rafael, CA – Fair Housing Advocates of Northern California (FHANC) settled a disability discrimination complaint against Burbank Housing Development Corporation (BHDC) and Burbank Housing Management Corporation (BHMC), who manage or own dozens of properties in Sonoma County, including Parkwood Apartments in Santa Rosa and Oak Ridge Apartments in Sonoma. The complaint settled for $41,500 and injunctive relief. The settlement can be accessed here. 

“We are very pleased with the outcome of this settlement and are encouraged with the changes that Burbank is making to the way they conduct business at their properties,” said Julia Howard-Gibbon, the Supervising Attorney who represented FHANC in the complaint. “Burbank manages hundreds of units of housing, so it has an enormous impact on the community where they operate. This settlement and the fair housing training Burbank employees receive is the first step to having a sound understanding of fair housing laws and how to comply with them, and specifically how to process reasonable accommodations for tenants with disabilities so they can have an equal opportunity to use and enjoy their housing. We applaud Burbank’s willingness to work with all parties to comply with fair housing law and employ best practices.” 

The complaint (which can be accessed here), which FHANC filed in June 2022 with the Department of Fair Housing and Equal Opportunity (FHEO) at the Department of Housing and Urban Development (HUD), alleged that Burbank and other named respondents discriminated against people with disabilities.

​
“For many years, our agency had been receiving calls from tenants who have complained that agents at Burbank properties make it difficult for them to access reasonable accommodations in many ways – including unreasonably delaying responses to their requests, conditioning accommodations only if they agree to unreasonable terms, requesting unnecessary documentation in order to process their requests, and unreasonably or unjustifiably denying their requests,” said Caroline Peattie, FHANC’s Executive Director. “Our staff corroborated these allegations through their own experiences while attempting to assist clients in accessing reasonable accommodations from Burbank and others named in the complaint. In addition, we conducted investigative surveys at some of the named properties and found further evidence of discrimination.” ​

FHANC alleged uncovering evidence of discriminatory policies and/or practices at properties owned and/or managed by Burbank and the other named respondents, including: 
     1) Policies and practices requiring tenants to use their form when requesting reasonable accommodations (and refusing to process requests if tenants did not use their form); 
     2) Policies and practices requiring tenants to authorize health care providers to broadly release their medical information in order to have their reasonable accommodation requests processed (and refusing to accept alternative forms of medical verification such as a letter from a doctor); 
     3) Policies and practices requiring tenants to consider alternative accommodations, even when the tenant establishes that the requested accommodation is necessary to accommodate the tenant’s disability and is not unreasonable; 
     4) Policies and practices requiring assistance dogs to conform to weight and/or breed restrictions;
     5) Policies and practices requiring assistance animals to be on leash in common areas, even when the assistance animal is one that traditionally does not use a leash, such as a cat; 

     6) Practice of delaying and/or failing to respond to reasonable accommodation requests beyond a reasonable amount of time; and 
     7) Practice of denying reasonable accommodation requests, even when the disability and disability-related need for the requested accommodation is verified and/or known or obvious. 

In 2022, after receiving complaints from tenants residing at Burbank properties, FHANC and the Sonoma County Tenants Union (SCTU) conducted in-person surveys of tenants, first at Parkwood Apartments, and then at Crossroads Apartments. Canvassers from the two agencies met with multiple tenants who reported experiencing barriers to accessing reasonable accommodations from Burbank Management. 

FHANC conducted outreach to educate the community about disability discrimination, including multiple fair housing law workshops for local housing providers, which included fair housing laws related to disability discrimination and specifically reasonable accommodations. 

In addition to the monetary damages, the settlement agreement included significant injunctive relief. Burbank agreed to consider reasonable accommodation requests made at any time and in any manner, even if made orally or in writing not using their designated form; to only request medical verification if the disability and/or need for the accommodation is not obvious or apparent; to process requests in a timely manner; to acknowledge that any type of animal – and any breed or size – may qualify as an assistance animal even if it has no training; to not charge a deposit or surcharge for assistance animals; to allow each tenant with a disability their own individual animal (and not require them to share an animal); to review and revise their reasonable accommodation and modification policies, letters, and forms, as necessary to comply with fair housing laws (e.g. remove requirements that an animal must be spayed or neutered); revise their denial of reasonable accommodation notices to inform tenants that they have a right to dispute the denial by filing a grievance); to instruct all employees via email that they may not recommend or otherwise suggest that an individual obtain a specific type of assistance animal; and to ensure all employees who interact with applicants or tenants attend fair housing training. 

“The terms of the settlement are very encouraging,” said Ms. Peattie. “We are looking forward to working with Burbank in the future.” 
​

If you feel you may have experienced housing discrimination, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101 or fill out an online intake at https://www.fairhousingnorcal.org/. 

Fair Housing Advocates of Northern California (FHANC) is a non-profit organization whose mission is to ensure equal housing opportunity and to educate our communities on the value of diversity in our neighborhoods. FHANC serves several Bay Area counties and provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD-Certified Housing Counseling Agency. Please call Fair Housing Advocates of Northern California at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grant FPEI190035. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD. ​
Download full press release here
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​Announcing: Fair Housing Advocates of Northern California Settles Source of Income Discrimination Complaint

4/4/2024

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April 4, 2024
​
FOR IMMEDIATE RELEASE

Contact:
Caroline Peattie, Executive Director, Fair Housing Advocates of Northern California
(415) 483-7552, p[email protected]
Julia Howard-Gibbon, Supervising Attorney, Fair Housing Advocates of Northern California
(415) 483-7516, j[email protected]

​Announcing: Fair Housing Advocates of Northern California Settles Source of Income Discrimination Complaint

San Rafael, CA – In March 2023, Fair Housing Advocates of Northern California (FHANC) filed a discrimination complaint with the California Civil Rights Department (CRD), alleging source of income discrimination against the owner and manager of Novato Park Apartments because of their ban on renting to people with Section 8 housing choice vouchers, which violates’ California’s Fair Employment and Housing Act. One year later, an agreement was reached between the parties settling for $35,000, policy changes, training, and posting vacancies to sites serving people with Section 8 vouchers.

In the spring of 2021, FHANC released the results of its testing investigations of Marin, Sonoma, and Solano counties to ascertain the extent to which Black renters with Section 8 vouchers experienced discrimination when applying for rental housing. The publicity included the results of the investigation and sought to educate the community about the California law that went into effect in January 2020 making it illegal to discriminate against renters with housing subsidies.

Soon after, in May 2021, the Marin Independent Journal (IJ) published a Letter to the Editor submitted by the manager of Novato Park Apartments, stating that they no longer accepted any tenants with Section 8 vouchers because of a difficulty they had previously had with a Section 8 tenant. FHANC emailed and sent a letter to the manager, explaining the law once again, letting him know that the reason he gave for not renting to Section 8 tenants did not negate the discriminatory effect of their policy. FHANC also submitted a response letter to the Marin IJ that FHANC and the Marin Housing Authority collaborated in writing, explaining source of income discrimination so that the community was made aware that it was illegal to deny renters because of their housing vouchers.

“It’s really important that landlords do not make the decision to rent to an entire group of people because they had a couple of bad experiences, particularly if that decision involves a blanket refusal to rent to a group of people protected under fair housing law,” said Caroline Peattie, Executive Director of FHANC. “While you may have a negative experience renting to a Section 8 voucher recipient, renting only to those who don’t have housing vouchers is no insurance against a bad experience. The best way of gauging whether or not someone will be a good tenant is to contact previous landlords, rather than making assumptions about an applicant based solely on unrelated characteristics.” Because voucher holders are usually more likely to be members of other protected classes (e.g.: people of color, women, people with children, and people with disabilities), excluding all voucher holders from rental properties will have a discriminatory effect, even if the reason for the denial is not based on animus toward protected groups.

FHANC then conducted several fair housing testing investigations – in September 2021, March 2022, and February 2023, which all confirmed that the apartment complex was still not accepting Section 8 tenants (“We don’t take those, sorry… we’ve had trouble in the past”).

“We’re pleased with this settlement,” said Peattie. “We believe strongly in educating the community about both well-established and new fair housing laws – which we did in this case through publicizing the results of our testing investigations, replying directly to the manager’s discriminatory statements in the newspaper, and submitting an editorial letter to educate the community – but sometimes it’s necessary to file enforcement actions to bring attention to fair housing laws and how to comply with them. In this particular case, we were very pleased that the owner took advantage of CRD’s mediation process and was willing to negotiate in good faith for a positive outcome for the community.”

In addition to the monetary settlement, the owner and manager agreed to the following:
  • Change its illegal policy of refusing to rent to Section 8 voucher holders;
  • Advertise all vacancies in California on AffordableHousing.com and other suitable locations where housing choice voucher holders are served, including local housing authority websites;
  • Include “Equal Opportunity Housing Provider” in future posts advertising vacancies;
  • All employees / agents will attend an annual fair housing training for the next two years;
  • Establish and distribute to staff a written policy that states 1) applicants will be treated equally regardless of their source of income; 2) the minimum income requirement will be calculated based on the monthly rental amount to be paid directly by the voucher holder only, and not include any amount to be paid through the voucher; and 3) voucher holders are welcome to apply;
  • Post and make available copies of CRD’s fair housing factsheet in both English and Spanish in rental offices and common areas; and
  • Maintain copies of all documents related to the rental of housing accommodations as well as records related to Section 8 voucher holders, including waitlist members, applicants, tenants, and former tenants, for a minimum of five (5) years and make those records available to FHANC.

The full settlement can be reached here.

“When we find evidence of discrimination as a result of our fair housing investigations, even when a client has not come forward with a complaint, our agency has legal standing to file a complaint,” said Julia Howard-Gibbon, FHANC’s Supervising Attorney. “This is an opportunity for FHANC to ensure that discriminatory policies are addressed so that future rental applicants won’t be illegally turned away because they have a housing voucher."

If you feel you may have experienced housing discrimination, contact FHANC’s office to complete an interview. Contact FHANC at [email protected] or 415-457-5025 x101 or fill out an online intake at https://www.fairhousingnorcal.org/.
Download Full Press Release Here
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Announcing: Fair Housing Advocates of Northern California Releases Report of Investigation into Discriminatory Housing Policies Related to National Origin and Familial Status

12/18/2023

2 Comments

 
December 18, 2023
 
FOR IMMEDIATE RELEASE
 
Contact: 
Caroline Peattie, Fair Housing Advocates of Northern California
(415) 483-7552, [email protected]
 
Announcing: Fair Housing Advocates of Northern California Releases Report of Investigation into Discriminatory Housing Policies Related to National Origin and Familial Status
 
San Rafael, CA – This week Fair Housing Advocates of Northern California (FHANC) released a report of their findings resulting from an investigation of housing discrimination against Latinx parents.
 
The investigation of sixty (60) landlords operating rental properties in Marin, Solano, and Sonoma counties was carried out from January through April 2023, with twenty (20) properties investigated in each county. Trained pairs of testers – one Latinx and one white non-Latinx – posed as potential renters with children and called to inquire about the availability of listed rental properties. FHANC compared the experience of the testers to determine whether disparities existed in the way each tester was treated and whether they were offered or told about different housing opportunities, policies, terms, and/or amenities.
 
Discriminating against households with children or expressing a preference for households without children is considered familial status discrimination, which is prohibited by fair housing laws. Similarly, discrimination against Latinx renters is considered national origin discrimination, which is also prohibited. At over 58% of the properties investigated, FHANC found evidence of familial status discrimination (39%), national origin discrimination (over 30%), or both (15%). 
 
Many of the tests revealing discrimination showed that housing providers refused outright to rent to families with children or had policies that disproportionately affected families, such as overly restrictive occupancy rules. Additionally, some housing providers who discouraged the Latinx tester from renting because she had children made no such discouraging comments to the white non-Latinx tester or were willing to make exceptions to occupancy rules for the white tester, revealing evidence of discrimination based on both familial status and national origin.
 
Tests conducted in Marin County revealed the highest incidence of discrimination, with 67% of tests revealing at least some evidence of discrimination. Fifty-three percent of the tests conducted in Marin County revealed evidence of familial status discrimination. While Marin tests revealed the most discrimination overall, tests in Sonoma County revealed the greatest evidence of national origin discrimination. Housing providers in Solano County were the least discriminatory, with 25% of tests revealing evidence of familial status discrimination and 23.5% revealing evidence of national origin discrimination.
 
Tests at 14 large properties comprising 2,646 units – “large” being defined as those with more than 50 units – showed significantly less evidence of discrimination (just over 21%) than the 44 tests conducted at small and medium sized properties (72% and 67%, respectively). The small and medium sized properties comprised 276 units combined. This disparity was most pronounced in tests revealing evidence of familial status discrimination: while 56.7% of tests at small properties and 46.2% of tests at medium sized properties revealed evidence of familial status discrimination, not a single test conducted at a large property revealed evidence of familial status discrimination.
 
“Though federal and state fair housing laws have prohibited housing discrimination on the basis of national origin and familial status for decades, the complaints we receive and results of investigations such as this one show that Latinx families continue to experience discrimination as a barrier to housing choice,” said Caroline Peattie, Executive Director of FHANC. “Discrimination against Latinx renters is compounded when they have children. It’s clear that more enforcement actions are needed, as well as increased education and outreach to property owners and managers, particularly those of smaller properties and in areas where instances of discrimination were the highest. When housing providers are willing to openly state their discriminatory housing policies, even in writing, that suggests the likelihood that at least some are unaware of their legal obligations. This really points to the need for increased education and outreach.”
 
The report makes a number of recommendations, including disseminating the report to officials in the tri-county area as well as the general public, media, and advocacy groups as an important educational tool; monitoring the sites where there was an indication of differential treatment and taking possible enforcement action; training private and public housing providers and working with them to ensure they understand the law; conducting additional audits; and spreading the word to potential targets of discrimination.
 
“It’s really difficult to find any kind of affordable housing in the Bay Area now,” said Peattie. “This report points out how much more difficult it is for single Latinx mothers. We need to redouble our efforts to make sure housing providers not only understand the law but comply with it, and start removing barriers for families with children and particularly Latinx families.”


If you feel you may have experienced housing discrimination, contact FHANC’s office to complete an interview. Fill out an online intake at https://www.fairhousingnorcal.org/ or contact FHANC at [email protected] or 415-457-5025 x101.

Fair Housing Advocates of Northern California (FHANC) is a non-profit organization whose mission is to ensure equal housing opportunity and to educate our communities on the value of diversity in our neighborhoods. FHANC serves several Bay Area counties and provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD-Certified Housing Counseling Agency. Please call Fair Housing Advocates of Northern California at (415) 457-5025 or TDD: (800) 735-2922 for more information. Note: This material is based on work supported by the Department of Housing and Urban Development (HUD) under FHIP PEI Grant FPEI220095. Any opinion, findings, and conclusions or recommendations expressed in this material are those of the author(s) and do not necessarily reflect the views of HUD
Download Press Release Here
Download Audit Report Here
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FHANC Announces Collaboration with the City of Richmond and Just Cities, LLC to Work to Analyze Housing Challenges and Recommend Comprehensive Policy Solutions Following a Historic Settlement with Fannie Mae Focused on Rebuilding Communities of Color

9/20/2023

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FOR IMMEDIATE RELEASE
Contact: Caroline Peattie, Fair Housing Advocates of Northern California (415) 483-7552, [email protected]
​

Fair Housing Advocates of Northern California Announces Collaboration with the City of Richmond and Just Cities, LLC to Work to Analyze Housing Challenges and Recommend Comprehensive Policy Solutions Following a Historic Settlement with Fannie Mae Focused on Rebuilding Communities of Color

San Rafael, CA — As of September 18, 2023, Fair Housing Advocates of Northern California (FHANC) has announced a collaboration with Just Cities, LLC, and the City of Richmond. The partnership aims to create a Housing Equity Roadmap for Richmond, funded by a settlement with Fannie Mae (formally known as the Federal National Mortgage Association). The settlement addresses allegations that Fannie Mae unfairly treated foreclosed homes in communities of color. Although the settlement has nationwide implications, the funds received by FHANC will specifically target the City of Richmond.

FHANC, through its partner, Just Cities, LLC will develop comprehensive anti-displacement, affordable housing, and healthy housing policies for the City of Richmond. “I am really pleased that we can apply settlement funds toward the revitalization of the City of Richmond,” said Caroline Peattie, Executive Director of Fair Housing Advocates of Northern California. “We are excited that the commitments Fannie Mae made in the settlement allow us to analyze housing challenges and recommend comprehensive policy solutions to the City of Richmond. Though we’ve been working to Affirmatively Further Fair Housing in multiple jurisdictions for many years.” Just Cities had been working to Affirmatively Further Fair Housing too. Staff were consultants to the City of Richmond when the City prepared its most recent Housing Element. Just Cities’ research was included in the Housing Element. The Richmond City Council voted and approved another contract for Just Cities to continue its transformative community planning work in Richmond by developing a Housing Equity Roadmap (HER). The HER will serve as an action plan for the Affirmatively Furthering Fair Housing Meaningful Actions with immediate and long-term housing and anti-displacement policy solutions. "I am really excited to be part of this collaboration where we rely on the local wisdom of community members to combat the local housing crisis. While our collaborative is diverse, we all want to make Richmond a better place to live, while making it easier for Richmond residents to live and thrive," said Mariel Mendoza, Community-Centered Policy and Research Manager of Just Cities.

“The foreclosure crisis of the mid-2000s had a significant impact on Richmond,” said Richmond Mayor Eduardo Martinez. “It's fitting that this settlement will funnel investment back into our community, enabling us to put essential housing policies and programs in place. Our aim is to ensure that every resident of Richmond has the opportunity for affordable, secure, and dignified living conditions.”

​About Fair Housing Advocates of Northern California
Fair Housing Advocates of Northern California is a non-profit organization serving several Bay Area counties that provides free counseling, enforcement, mediation, and legal or administrative referrals to persons experiencing housing discrimination. Fair Housing Advocates of Northern California also offers foreclosure prevention counseling, pre-purchase education, seminars to help housing providers fully understand fair housing law, and education programs for tenants and the community at large. Fair Housing Advocates of Northern California is a HUD -Certified Housing Counseling Agency. Please visit www.fairhousingnorcal.org and submit an intake form or call Fair Housing Advocates of Northern California at (415) 457 -5025 or TDD: (800) 735 -2922 for more information.
​
About Just Cities
Just Cities LLC advances racial justice in public policy and urban planning through community-centered design and community engagement. Staff organize collaborative initiatives with marginalized residents that are directly impacted by zoning policies, government leaders, and other stakeholders to tackle the racial and social justice issues facing Bay Area and California cities including homelessness, displacement, and re-entry justice. Just Cities staff solve social and economic injustice by addressing the root causes of systemic injustice, designing, and implementing policy change solutions. Their work has led to local, statewide, and national best practice policies, including an anti-displacement safety fund for struggling low-income tenants and homeowners that are at risk for displacement, homeless prevention funds for Alameda County and the City of Richmond, and the Oakland Housing Equity Roadmap, which is a national model for comprehensive anti-displacement, affordable housing, and health housing policies adopted by the City of Oakland. Please visit https://www.justcitiesllc.com/.

About the City of Richmond
Located in West Contra Costa County along the eastern shore of San Francisco Bay, Richmond was established under its first charter in 1908. The city is home to a diverse population of over 110,000 residents, featuring a mix of ethnic backgrounds that include sizable African American, Hispanic, and Asian communities. The city is easily accessible, with two major highways, an Amtrak/BART station, and a ferry terminal. Over the years, Richmond has been proactive in adopting policies aimed at reducing the displacement of our residents. Richmond voters have approved ballot initiatives such as Measure L and Measure P, which focus on implementing rent control and establishing rent control caps.

In an effort to improve quality of life and provide fair outcomes for all Richmond residents regardless of race, the City must hold itself accountable to acknowledge and correct disparities caused by a history of inequitable policy decisions. The goal is to integrate a racial equity lens into all city services to foster a healthy and inclusive community for all.

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