National Fair Housing Alliance

  • January 27, 2012
    Guest Post

    By Hilary O. Shelton, Director, NAACP Washington Bureau & Senior Vice President for Advocacy and Policy


    In January, communities throughout the United States join together to commemorate the life and contributions of the Reverend Dr. Martin Luther King, Jr.  It is around Dr. King’s birthday when many schoolchildren embrace the Civil Rights Movement, recite parts of Dr. King’s “I Have a Dream” speech, and truly understand that they can be whatever and whomever they want to be.  

    Most of us know the tragic tale of Dr. King’s assassination on April 4, 1968, but far too many people don’t know that Dr. King’s final legislative victory is one of his most enduring but largely ignored achievements.  Much of his work during the Chicago Freedom Movement in 1966 was an initiative to ensure just and equal access to quality housing for African-Americans. Dr. King’s historic march in Marquette Park laid the groundwork for our nation’s fair housing laws.  One week after Dr. King’s death, Congress passed the federal Fair Housing Act, a law that protects us from discrimination in housing based on race, religion, color, sex, national origin, familial status and disability. 

    The Fair Housing Act codifies the affirmative responsibility to end segregation and promote integration throughout the United States.  The National Fair Housing Alliance’s (NFHA) issue brief released this week by ACS, “The Promise of the Fair Housing Act and the Role of Fair Housing Organizations,” discusses Dr. King’s quest for fair housing and how fair housing organizations do their part to keep The Dream alive. 

    Today, the Fair Housing Act is a well-crafted tool that must continue to be sharpened in a nation that continues to grow and diversify.  Census projections indicate that in less than 30 years, our nation will be made up mostly of people of color. Yet, the nation our children grow up in today remains strikingly similar in some respects to the nation Dr. King was trying to change.  At the end of every school day, most children of all backgrounds return to segregated neighborhoods.  In neighborhoods of color, there are significantly fewer opportunities for children to reach their true potential.

  • January 26, 2012

    by Jeremy Leaming

    In a time when many are seriously discussing the nation's inequalities, such as the growing gap between the nation’s wealthy and everyone else, authors of a new ACS Issue Brief say such discussion should not overlook or ignore large swaths of our society that are being dealt a harsher blow than others.

    For example, the collapse of the housing market has taken an enormous toll on the middle class. But the National Fair Housing Alliance’s Jorge Andres Soto and Deidre Swesnik detail in their Issue Brief how African Americans and Latinos in cities throughout the nation have fared worse than others because of pervasive discrimination. The disparity is due in part, they assert, because of the “peddling of high-cost subprime, predatory loans in communities of color” They note that the Center for Responsible Lending found that among “borrowers with good credit, African Americans and Latinos received high interest loans more than three times as often as white borrowers among loans originated between 2004 and 2008.”

    Citing a 2010 report from the NFHA and the Center for Applied Policy at the University of Wisconsin, Soto and Swesnik write that more than 28,000 complaints of housing discrimination were “investigated by private non-profit fair housing organizations, the U.S. Department of Housing and Urban Development (HUD), the U.S. Department of Justice (DOJ), and state and local government fair housing agencies.” They add that the number represents a fraction of the “annual incidence of housing discrimination in the United State, an amount exceeding well over four million acts of housing discrimination. That amounts to at least 11,000 incidents of housing discrimination each day throughout the United States.”

    And getting out of debt, according to a recent study by Robert M. Lawless, Dov Cohen, and Jean Braucher, is also significantly harder for black families, than white families. Reporting last week on that study, The New York Times said it shows that “lawyers were disproportionately steering blacks into a process that was not as good for them financially, in part because of biases, whether conscious or unconscious.”

  • September 22, 2011
    Guest Post

    By Lisa Rice, vice president of the National Fair Housing Alliance. Rice will be participating in a panel discussion on jobs and economic justice this Friday at the Congressional Black Caucus Foundation’s Annual Legislative Conference.


    It’s disheartening, but not surprising that the Pew Research Center reports that the median wealth of American white households is 20 times that of African American households and 18 times that of Hispanic households. This historic gap in wealth continues to widen and is the result of a toxic mix of longtime segregation, high unemployment rates, falling home values and skyrocketing home foreclosures that is severely impacting communities of color. These ills are not natural occurrences, but the result of federal policies that until recently have ignored job creation and wage support in communities of color and allowed the peddling of predatory, abusive and discriminatory loan products to African American and Hispanic homebuyers to go unchecked.

    In August, the Bureau of Labor Statistics reported an overall unemployment rate of 9.1 percent, which is unchanged from July and represents 14 million Americans. But African American unemployment jumped to 16.7 percent – the highest level since 1984 – while the white jobless rate fell slightly to 8 percent. For Hispanics, unemployment remained stable at 11.3 percent in August, while Asian-American unemployment dropped to 7.1 percent, according to the Bureau of Labor Statistics. More than 155,000 African-Americans obtained employment in August; even so that wasn’t enough to counter a surge in unemployment numbers for the group. At least 1.4 million African Americans have been out of work for more than six months.

    Some reasons for the disparity in employment for African Americans may include: a younger work force, fewer members obtaining college degrees and a larger share of the population living in areas severely impacted by the recession. Even if those factors are taken into account a disparity persists and racial discrimination can’t be ignored, explains Algernon Austin, director of Race, Ethnicity, and the Economy program for the Economic Policy Institute. Austin told CNN Money.com, “Even when you compare black and white workers, same age range, same education, you still see pretty significant gaps in unemployment rates. So I do think the fact of racial discrimination in the labor market continues to play a role.”

    For most of us employment is essential for income to sustain our most basic necessities – food, shelter and health care. That income, if sufficient and properly managed, can also be used to leverage a time honored vehicle for asset accumulation in this country: homeownership. Millions of Americans tap the equity in their homes to pay for their child’s college education, fund start-up businesses, pay for retirement, and weather economic uncertainty. For communities of color, homeownership rates have historically lagged behind that of white Americans though the long trend has been upward. African American homeownership has doubled from 22.8 percent in 1940 to 45.9 percent in 2010.  Comparatively, homeownership for whites increased from 45.6 percent in 1940 to 74.4 percent in 2010. According to the Joint Center for Housing Studies at Harvard University about 47.5 percent of Latinos and 58.2 percent of Asian-Americans owned a home in 2010.

  • August 29, 2011
    Guest Post

    This post is part of an ACSblog symposium in honor of the unveiling of the Martin Luther King Jr. National Memorial. The author, Cedric Ricks, is the communications associate of the National Fair Housing Alliance.


    I still believe that freedom is the bonus you receive for telling the truth.  You shall know the truth and the truth shall set you free.  And I do not see how we will ever solve the turbulent problem of race confronting our nation until there is an honest confrontation with it and a willing search for the truth and a willingness to admit the truth when we discover it. -  Rev. Dr. Martin Luther King Jr., Grosse Pointe, Mich., on March 14, 1968

    One week after the assassination of Reverend Dr. Martin Luther King Jr., President Lyndon Johnson signed into law the federal Fair Housing Act Title VIII of the Civil Rights Act of 1968.  It took the loss of King and the resulting uprising to convince a timid Congress to act on behalf of millions of African-Americans living in substandard housing conditions in segregated communities. It’s fitting that more than 40 years later the nation now honors Dr. King with a memorial on the National Mall in the nation’s capital.

    The tribute is a time for celebration at the National Fair Housing Alliance, but also a reminder that despite some real successes much of King’s vision, especially in achieving fairness in housing, remains a work in progress. In January 1966, Dr. King moved his family to the tenements on Chicago’s West side to dramatize the city’s deplorable segregated housing conditions. King used the rental experiences of black and white volunteers to prove that realtors were systematically denying African-Americans access to housing in Chicago. His call for making Chicago an “Open City” for housing and the subsequent riots that followed days later in the summer of 1966 were a sobering reminder for Americans that discrimination and bias in housing existed in areas other than the South.

    In weeks leading up to his death, Dr. King spoke of the sad dualism of American society that allowed millions of people to “have the milk of prosperity and honey of equality” while millions of other citizens lived a daily ugliness that turned hope “into the fatigue of despair.” He described an America where almost 40 percent of African-American families lived in substandard housing conditions, thousands of youth attended inferior segregated schools and were deprived of an adequate education and a society that allowed millions to languish in unemployment or toil long hours for earnings that didn’t offer a livable wage. Life is arguably different, yet also strikingly similar for millions of Americans more than four decades after King’s inspiring journey.

    The Fair Housing Act grew out of the Civil Right era, but it has been expanded over the years to protect individuals from discrimination based not only on race, color, and national origin, but also religion, sex, disability and familial status. In the future, protections may also be offered based on source of income, gender identity and sexual orientation. The law applies to housing and housing-related activities, including apartment and home rentals, real estate sales, mortgage lending and homeowners insurance.  But the act does more than just eliminate discrimination - its initial and continuing intent is to promote integration.

    Today, legalized segregation in housing and many other aspects of American life has fallen away. But even with our steps toward equality 65 percent of Americans living in metropolitan areas still reside in areas of high segregation. There are also at least four million acts of housing discrimination every year. We know that where one lives still determines so much in life including education, access to health care and job opportunities.