The sale and purchase of a home is one of the most significant events that an individual will experience
in their lifetime. It is more than the simple purchase of housing, for it directly impacts the hopes,
dreams, aspirations, and economic destiny of those involved. It is for this reason that the Fair Housing
Act and other federal and state laws were enacted to guarantee a right to a national housing market free
from discrimination based on race, color, religion, sex, handicap, familial status, and national origin.
Civil Rights Act of 1866
The Civil Rights Act of 1866 prohibits all racial discrimination in the sale or rental of property.
Fair Housing Act
The Fair Housing Act declares a national policy of fair housing throughout the United States.
The law makes illegal any discrimination in the sale, lease or rental of housing, or making housing
otherwise unavailable, because of race, color, religion, sex, handicap, familial status, or national origin.
Americans with Disabilities Act
Title III of the Americans with Disabilities Act prohibits discrimination against persons with
disabilities in places of public accommodations and commercial facilities.
Equal Credit Opportunity Act
The Equal Credit Opportunity Act makes discrimination unlawful with respect to any aspect of a credit
application on the basis of race, color, religion, national origin, sex, marital status, age or because
all or part of the applicant's income derives from any public assistance program.
State and Local Laws
State and local laws often provide broader coverage and prohibit discrimination based on additional
classes not covered by federal law.
The home seller, the home seeker, and the real estate professional all have rights and responsibilities
under the law.
For the Home Seller
As a home seller or landlord you have a responsibility and a requirement under the law not to
discriminate in the sale, rental and financing of property on the basis of race, color, religion,
sex, handicap, familial status, or national origin. You cannot instruct the licensed broker or
salesperson acting as your agent to convey for you any limitations in the sale or rental because
the real estate professional is also bound by law not to discriminate. Under the law, a home
seller or landlord cannot establish discriminatory terms or conditions in the purchase or rental;
deny that housing is available, or advertise that the property is available only to persons of a
certain race, color, religion, sex, handicap, familial status, or national origin.
For the Home Seeker
You have the right to expect that housing will be available to you without discrimination or
other limitations based on race, color, religion, sex, handicap, familial status, or national origin.
This includes the right to expect:
- Housing in your price range made available to you without discrimination;
- Equal professional service;
- The opportunity to consider a broad range of housing choices;
- No discriminatory limitations on communities or locations of housing;
- No discrimination in the financing, appraising, or insuring of housing;
- Reasonable accommodations in rules, practices and procedures for persons with disabilities;
- Non-discriminatory terms and conditions for the sale, rental, financing, or insuring of a dwelling; and
- To be free from harassment or intimidation for exercising your fair housing rights.
For the Real Estate Professional
Agents in a real estate transaction are prohibited by law from discriminating on the basis of race,
color, religion, sex, handicap, familial status, or national origin. A request from the home seller
or landlord to act in a discriminatory manner in the sale, lease or rental cannot legally be fulfilled
by the real estate professional.
THE REALTOR® FAIR HOUSING PROGRAM
The NATIONAL ASSOCIATION OF REALTORS® has developed a Fair Housing Program to provide
resources and guidance to REALTORS® in ensuring equal professional services for all
people. The term REALTOR® identifies a licensed professional in real estate who is
a member of the NATIONAL ASSOCIATION OF REALTORS®. Not all licensed real estate
brokers and salespersons are members of the National Association, and only those who are may identify
themselves as REALTORS®. They conduct their business and activities in accordance with
a strict Code of Ethics.
The Code of Ethics
Article 10 of the NATIONAL ASSOCIATION OF REALTORS® Code of Ethics provides that
"REALTORS® shall not deny equal professional services to any person for reasons of
race, color, religion, sex, handicap, familial status, or national origin. REALTORS® shall
not be a party to any plan or agreement to discriminate against a person or persons on the basis of race,
color, religion, sex, handicap, familial status or national origin."
A REALTOR® pledges to conduct business in keeping with the spirit and letter of the
Code of Ethics. Article 10 imposes obligations upon REALTORS® and is also a firm statement
of support for equal opportunity in housing.
IF YOU SUSPECT DISCRIMINATION
Call the Local Board of REALTORS®
Local Boards of REALTORS® will accept complaints alleging violations of the Code of Ethics
filed by a home seeker who alleges discriminatory treatment in the availability, purchase or rental of housing.
Local Boards of REALTORS® have a responsibility to enforce the Code of Ethics through
professional standards procedures and corrective action in cases where a violation of the Code of Ethics
is proven to have occurred.
Call the U.S. Department of Housing and Urban Development
Complaints alleging discrimination in housing may be filed with the nearest
office of the United States Department of Housing and Urban Development (HUD),
or by calling HUD's toll free numbers, 1-800-669-9777 (voice), or 1-800-543-8294
Contact HUD on the internet at