By Cedric Ricks, Communications Associate, National Fair Housing Alliance
No one profits when potential homebuyers or renters are turned away, not because of their ability to pay, but because of their race, national origin, skin color, sex, religion, familial status or because of a disability.
Housing discrimination is a sad reality that runs counter to the American ideal of fairness but
affects nearly four million people annually. Unfortunately, meager funding allows only a fraction of those complaints to be investigated and rectified. The nation’s private non-profit fair housing organizations investigated 65 percent of the 27,092 housing discrimination complaints filed across the nation in 2011, according to a recent report from the National Fair Housing Alliance. On a shoestring budget, these organizations are the first line of defense against illegal housing discrimination. The report, Fair Housing in a Changing Nation, 2012 Fair Housing Trends Report, discusses emerging fair housing trends affecting our country, which grows increasingly diverse and is expected to include a population with people of color in the majority by 2042. According to the U.S. Census, people with disabilities already account for about 19 percent or 54 million people in the United States. That number is expected to grow over time.
While the federal Fair Housing Act prohibits housing discrimination on the basis of race, color, national origin, religion, familial status, sex and disability, Fair Housing in a Changing Nation reports that 44 percent of all housing discrimination complaints investigated by private groups in 2011 involved discrimination against people with disabilities. The report indicates that discrimination involving race accounted for about 19 percent of those complaints while familial status accounted for 13 percent and national origin and sex each accounted for over 5 percent of those complaints. It is important to note that disability complaints are high because many apartment owners make direct comments refusing to make reasonable accommodations or modifications for people with disabilities so it is easier to detect the discrimination. Discrimination based on race, national origin and other protected classes is harder to detect but continues to be a pervasive problem that affects our nation's communities. Private fair housing organizations also reported more than 10 percent of their complaints involved discrimination against people not currently protected under the federal Fair Housing Act. For example, LGBT protections are not part of the federal law, but there are at least 20 states, the District of Columbia and more than 200 localities with laws prohibiting discrimination on the basis of sexual orientation or gender identity.
Other protected classes in various localities include: source of income, marital status, matriculation, political affiliation, personal appearance, military status and age just to name a few. Fair Housing in a Changing Nation reports that in 2011 local and state government agencies in the Fair Housing Assistance Program reviewed 7,551 cases of housing discrimination, while the U.S. Department of Housing and Urban Development handled 1,799 cases. The U.S. Department of Justice handled 41 case filings involving housing discrimination in 2011. The vast majority of all housing discrimination complaints, around 80 percent, are in the rental market. There are also complaints of illegal bias in the home sales, mortgage lending and homeowner insurance markets. Private fair housing groups have collected data on the harassment of tenants, residents or home seekers in protected classes.
The travesty is our nation faces so much discrimination 44 years after the passage of the Fair Housing Act. We know that were one lives determines so much about our well-being including access to good schools, jobs, health care and transportation. Discriminatory housing policies and practices have relegated people of color to resource-poor areas. Three times as many poor African-Americans and twice as many Latinos live in resource poor neighborhoods compared to white Americans, report James H. Carr and Nandinee K. Kutty in Segregation: The Rising Costs for America (p. 14). If neighborhoods are largely closed to people of color or are not accommodating for people with disabilities what will this mean for a nation that is becoming increasingly diverse? What will the future of our democracy look like when we already see the wealth gap between whites and people of color continuing to widen? The median wealth of white households is 20 times that of African-American households and 18 times that of Hispanic households, according to a Pew Research Center analysis. The gap has grown largely because of the collapse in home values and people of color have a larger share of their net wealth in homeownership.
The foreclosure crisis has hit communities of color hard because of toxic loans peddled by Big Banks to African Americans and Latinos. Those communities saw their problems worsen when banks refused to properly maintain or adequately market REO properties in neighborhoods of color. Fair Housing in a Changing Nation summarizes NFHA’s two-year investigation into the way banks differentially maintain and market REO properties in white neighborhoods and within communities of color. More on this topic is available in the NFHA report, The Banks Are Back – Our Neighborhoods Are Not: Discrimination in the Maintenance and Marketing of REO Properties. Meanwhile, fair housing advocates want to see federal, state and local agencies play a larger role in combating housing discrimination. There are some promising signs. HUD and DOJ had banner years in their enforcement efforts. However, much more still needs to be done.
Learn more about trends in fair housing and the work of the National Fair Housing Alliance, by visiting its website.
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well-written
Sant Ritz is a new and upcoming condominium located in the Potong Pasir area, within a short drive to Little India, Orchard and city area. With expected completion in mid 2016, it comprises of 3 towers with 214 units and stands 12 storeys tall. Future residents will be able to walk to the existing Potong Pasir MRT. With such a short drive to the city area as well as the orchard and bugis area, entertainment for your love ones will come at a stone’s throw away.
Sant Ritz
well-written
Sant Ritz is a new and upcoming condominium located in the Potong Pasir area, within a short drive to Little India, Orchard and city area. With expected completion in mid 2016, it comprises of 3 towers with 214 units and stands 12 storeys tall. Future residents will be able to walk to the existing Potong Pasir MRT. With such a short drive to the city area as well as the orchard and bugis area, entertainment for your love ones will come at a stone’s throw away.
Sant Ritz
Fair Housing in a Changing Nation
Attachments as Additional Numbered Paged Evidence documents for record in Appeal 1 and 2/Reconsiderations of two Dismissals with no evidence achieved through unconstitutional means and violations of US HUD, USC 49 and FEHO regulations by Ms. Nelson and Mr. Chung of Region Ten allegedly which have been substantiated. And Violating my constitutional and civil rights under U.S.C. 49 24 C.F.R. S. 100-200, Title VIII to achieve those dismissals.
I have been curious about
I have been curious about this topic and decided to do some research. Your article has some useful information. Do you have any more on this subject? http://www.ppiclaimshandlers.org
HUD CORRUPTION IS HURTING FAMILIES
HUD IS NOT HELPING ITS HURTING MANY PROTECTED CLASS FAMILIES
http://ireport.cnn.com/docs/DOC-872808
TOO MANY FAMILIES WITH ELDERLY AND CHILDREN ARE SUFFERING AND THIS HAS TO STOP NOW! I AND NO ONE ELSE WILL CONTINUE TO STAND BY AND LET OUR TAX DOLLARS MAKE PEOPLE HOMELESS AND FORCE PEOPLE TO LIVE IN BAD HOMES AND BE DISCRIMINATED AGAINST BY HUD AND THOSE HUD PAYS GRANTS TO!
asking for your help and assistance for one year. no response
AARP even wrote you a letter on my behalf as a senior andmember. ms jeanne constantine david senior attorneyfor aarp foundation. would you please assist me with below letter . thanks
October 29, 2012
The Honorable U.S. H.U.D. Secretary Shawn Donovan
The Honorable U.S.H.U.D. Assistant Secretary Fair Housing J. La Traina
Attn: Mr. Turner Russell
Director
Enforcement Support Division
U.S. H.U.D.
Office of Assistant Secretary for Fair Housing & Equal Opportunity
Washington, D.C.
Re: U.S. H.U.D. Case No. 10-12-0032-8
Additional Evidence for Record, Appeal I/Reconsideration and this additional letter Appeal for first case dismissal, ibid re: case above plus submission of second appeal pursuant to the statute of limitations of two years from date of dismissal of original complaint filed with SECHUD DONOVAN.
Dear Mr. Turner and Mr. Secretaries:
I am submitting in this letter additional reference to additional evidence in reference to my appeal pursuant to the letter attached. There are approximately 2,000 pages of evidence including proof of substantiated allegations in my two complaints. Most of this evidence has been allegedly destroyed by Ms. Nelson or has not been accounted for or acknowledged as being received. In addition I am appealing for a second case of reconsideration for my original complaint attached hereto that was filed before the Secretary in August, 2010 and entered into the TEAPOT system by SECDHUD.
Said complaint was unconstitutionally removed from the TEAPOT system by Ms. D. Nelson allegedly upon instructions to do so by Chase bank attorneys and/or her superiors for lack of jurisdiction. Ms. Nelson used the wrong standard for clock initiation for statute of limitations, i.e. to achieve her goal. The correct standard was and is the date of discovery by me the victim. This legal standard has been upheld in federal and state courts as well as taught in every major law school in the country. In addition, Ms. Nelson’s methods and Chase’s attorney conduct in this dismissal violated my
constitutional and civil rights. My filing with SECHUD Donovan in August, 2010 was within one month of my discovery and the Oregon AG discovery of the predatory and discriminatory lending practices done to me by Chase. The Oregon AG evidence emailed by the Oregon AG office to John K. Chung and by me as well has been alleged destroyed and/or unaccounted for and dismissed.
Since that time, Chase has originated additional loans that are predatory, one in October, 2011 and again in 2012 using different account numbers and mortgage balances on each loan using either ten or 13 digits for the loan numbers and mortgage balances ranging from $ 300,800 to $ 389,888 dollars on three different account numbers. It is my position that this violates the 50 state AG settlement approved by SECHUD Donovan and a U.S. Federal District Court Judge. Repeated acts of retaliation have been conducted on me by Chase including false accounts numbers for mortgages to credit bureaus that are reported as new loan applications by me for Chase bank loans to no mortgage statements on any of these loans. Neither my attorney nor I can figure out what I owe on my mortgage anymore.
I totally object to the obstruction of justice done to me by US HUD FEHO Region Ten, cover-up of the true facts in my case, falsification of documents then used to try to force me to sign under oath all the while allegedly taking direction from non US government personnel, i.e., allegedly Chase attorneys. Non-U.S. H.U.D personnel were even used to covey a settlement offer that if I had accepted would have harmed me significantly. So why are US HUD REGION TEN PERSONNEL USING NON GOVERNMENTAL PERSONS TO CONVEY SETTLEMENT OFFERS FROM A RESPONDENT. THAT IS NOT CONSISTENT WITH FEHO REGULATIONS. TO ME IT IS JUST ANOTHER EXAMPLE OF THE KAGAROO ADJUDICATION PROCESS PRACTICED BY US HUD FEHO REGOIN TEN. ALL OF THIS SHOWING THEIR NEGATIVE BIAS TO ME AND THEIR PREJUDICE AS WELL BEFORE EVEN LOOKING AT THE FACTS. In other words, the decision has already been made, deny, dismiss and defeat and discard any and all mortgage and rental discrimination complaints in the Pacific Northwest under jurisdiction of Region Ten FEHO personnel.
I was told I had no appeal/reconsideration rights by Ms. Nelson of Region Ten. Now you tell me that I did have those rights there were stripped from me by Ms. Nelson and now I have them but you won’t let me the record and account for all the evidence. To me, that is just another example of obstruction of Justice.
I received your letter today and thank you for your reconsideration. As I clearly stated in my appeal, if you should deny my appeal, I have submitted my request for referral of my case to a U.S.H.U.D. Administrative Law Judge Article III Federal Judge. As you may already know, I am a permanent and total disabled veteran from the Vietnam Era adjudicated as such by the VA and SSA.
My appeal also includes a civil rights complaint concerning the conduct of Ms. Nelson who is and was responsible for the so called investigation of my case along with Mr. John K. Chung, U.S. H.U.D, and Attorney at Law. It seems your review of the record which I have never seen and Ms. Nelson’s and Mr. Chung’s refusal to let me see it as well as refusing to stipulate what is in the record is a self fulfilling sham of reconsideration.
My complaints met the burden of proof criteria by defining a predatory loan pursuant to OCC/Treasury Circular for Predatory Loan Definitions and providing or bringing the documents to prove my claims and 45 witnesses of which six are expert attorneys including real estate attorneys. In my original complaint I also cite court cases which define U.S. Federal Court cases that interpret and define the loans that are discriminatory. I also cite the U.S. H.U.D. official policy that predatory lending and reverse redlining violate from a civil rights view the Fair Housing Act of 1964. The civil equivalent of predatory lending defined by U.S. Federal Court in Baltimore, Md. in City of Baltimore vs. Wells Fargo Bank, N.A. is defined legally as reverse redlining.
I and other disabled veterans and seniors are and were targeted for predatory loans by Bear Stearns EMC CHASE from the period of 2005 to the present day. With no disclosure of loan terms or hundreds of thousands of dollars of undisclosed interest charges embedded in Chase EMC mortgage servicing computer platforms that calculate payments over a thirty year mortgage instruments. These instruments are designed to fail and Chase took out or owns Hedge Bets allegedly that are then cashed in when the loan fails in a ratio allegedly of up to 42 times the face value of the mortgage amount. In my
case that is 42 allegedly times $ 300,400 or approximately $ 12 million dollars that goes into the pockets of the hedge bet owners and/or Chase JP Morgan Chase & Co. pockets.
Tens of thousands of dollars of my mortgage payments are missing or unaccounted for not only in terms of tens of missing mortgage statements but also in terms of missing public reporting to credit bureaus of my mortgage payments. All of this to obfuscate the picture when appearing in court to foreclose on me.
In addition, there have been two attempts by Chase attorney Barbara Bollero to allegedly extort more money out of me for alleged defaults by me that never happened. And by Chase employee Debra Vincent of their Tampa Florida legal department of their Fair Lending Unit writing me letters saying I owe $ 90,000 dollars more than I do on their own falsified mortgage statements. All of these substantiated by thousands of pages of evidence either submitted by me or dismissed or thrown in the trash by USHUD FEHO REGION TEN personnel allegedly.
I have never been allowed by those personnel to present my prima facie case or received any help from them to do so despite FEHO regulations that say they must help me especially being a disabled veteran under Federal law. The Unites States Supreme Court in its latest disparate ruling this past summer said US HUDFEHO must enforce the civil rights laws of the Fair Housing Act meaning Charging Chase with mortgage discrimination.
The only way Ms. Nelson has accomplished two dismissals of my case and many others based on FOIA documents I have of other Region Ten FEHO cases, is by unconstitutionally suppressing evidence, falsifying documents that she attempts to force complainants to sign or allow respondents to intimidate and threaten complainants/plaintiffs like me that include respondent like Chase allegedly stealing money out of my other bank checking account for which I had to go the Chairman Bernake of the Federal Reserve Board to get back under ACH Federal Reserve Rules. Chase did this four times.
I assert that these hedge bets based on a predatory loan that is also tied to financial derivatives and synthetic derivatives are all prima facie evidence of predatory and discriminatory lending practices that violate the Fair Housing Act.
Nearly 90 percent of my evidence submitted to US HUD REGION Ten personnel was destroyed, dismissed, hidden in desk drawers or turned over to Chase attorneys allegedly and not included in the record for reasons stipulated earlier as to my allegations of a massive cover-up of massive discriminatory lending practices by EMC Chase and me in particular by activating three mortgage loans on my property without my authorization or outright lying to me about these loans by omission or untimely disclosure or falsification of loan numbers/ or loan documents. All of these facts are further evidence of discriminatory lending practices of the Fair Housing Act.
How can you review a record which has been gutted by Region Ten personnel allegedly suppressing the evidence and throwing it in the trash, all by U.S.H.U.D.personnel in Seattle, WA? That methodology is a violation of my constitutional rights and my rights as a United States Citizen as contained in the Bill of Rights of the U.S. Constitution.
Obstructing justice and suppressing evidence and violating FEHO regulations in the process as outlined in my APPEAL are very serious matters. Perhaps it is time for Congressional Committees and the GAO to look into this matter and find out why your organization seems to not want or able to follow FEHO regulations with regard to processing my complaint as well as enforce the Fair Housing Act.
I am just a simple disabled veteran with barely enough funds to provide my basic needs for survival and medical care. Your suggestion to go to federal court on this matter when you have Three Article Three ALJ Federal judges there in Washington to hear my case is absurd.
At a minimum, you should remand this case back to Region Ten, get them to stipulate the evidence in the file, let me review that file and reopen their dismissal that was achieved through unconstitutional means. I AM REQUESTING A FULL ACCOUNTING AND STIPLULATION OF ALL DOCUMENTS, EMAILS, TRANSCRIPTS, PHONE CALL LOGS, INTERNAL MEMORANDUMS, NAMES AND ADDRESSES OF ALL CHASE ATTORNEYS/CONTACTS CONTACTED BY MR. CHUNG AND OR MS NELSON AND NAMES OF US HUD PERSONNEL THAT ILLEGALLY TURNED OVER PRIVILEGED COMMUNICATIONS FROM ME TO MR. CHUNG TO CHASE BANK BEFORE
THERE IS ANY READING OF THE RECORD. There are approximately 2,000 pages of evidence. I am requesting a written statement from Mr. Chung and Ms. Nelson as to what their definition of a predatory loan is and what is USHUD’s official policy regarding those types of loans and their civil equivalent, i.e. REVERSE REDLINING AND WHAT THEIR DEFINITION IS OF 3/16THS OF A PERCENT POINT IS. AS IN MATHEMATICAL DEFINITION.
I AM REQUESTING ACKNOWLEDGEMENT OF MY SECOND APPEAL/RECONSIDERATION AS WELL. PLEASE DO NOT COMBINE INTO ONE RECONSIDERATION. Please acknowledge my civil rights complaint as well with a case number.
To say the least, your lack of enforcement of civil rights laws under the Fair Housing Act is not only disappointing it is shameful and unconstitutional. Especially, when you use unconstitutional means to achieve dismissals while allegedly covering up the rampant mortgage and housing discrimination here in the Pacific Northwest as noticed and written about in the Oregonian Newspaper in Portland, Oregon.
Best regards
David F. Black
14013 N.W. 21st Avenue
Vancouver, WA. 98685
360 772 5617 blackvan@hotmail.com
A.A., B.A., M.B.A., C.D.P.,(I.C.C.P. Des Moines, Iowa), D.B.A.Candidate(Pending), DAVPRM(DOD), D.O.D./V.A./S.S.A. Certified by U.S. Civil Service Commission at GS-15 Step 7 as Computer and Telecommunications Engineer for Financial and Banking Systems. 100% Permanent and Total Disabled U.S. Navy/Cold War/Vietnam Era Veteran by VA & SSA(Adjudicated) DAVPRM E3/Midshipman, USNR/USN, USNA '69, Annapolis, Md. National Security Agency, Ft. Meade, Md. '63-'65,Jimmy Carter White House National Federal Treasury Dept Mgt Intern/IT FINANCIAL ANALYST/OCC-75'77, U.S.S. Drum SS 228, Silent Service, DE-680 Destroyer Escort, U.S.S. Loeser. Permanent Life Member of Disabled American Veterans & Vietnam Veterans of America, Member Uniformed Services Disabled and Retirees Veterans Association, www.usdr.org, Member of Veterans of Foreign Wars. In memory of Lt. Orrin F. Black, U.S.N. Retired & Deceased, WWII Combat Veteran Battle of Atlantic, U.S.N.A. class of '31, Annapolis Md. (70199), Cdr. Richard O. Black, U.S.N. (ret & deceased) Class of '57 U.S.N.A. Annapolis, MD. Vietnam ERA and Cold War Veteran, Sgt J.D. Black, U.S. Army/USAR Iraqi Freedom Combat Veteran, First
Command Master Chief of the Navy Dilbert Black, E-10, U.S.Navy (retired, deceased), U.S. Supreme Court Justice Hugo Black, who taught me in his famous SCOTUS decisions and a distant cousin of mine, as a minority, Cherokee Indian and Disabled Veteran, studying and reading the law to become a lawyer in Virginia, about civil rights for EVERYBODY in the U.S.A. Who's Who of American Colleges and Universities-1977. Appointed to U.S.N.A., Annapolis, MD. by John Sherman Cooper (R) of Kentucky. PRO SE INFORMA PAUPERIS representation in U.S. Federal District Court, Alex,Va., U.S. Federal Appeals Court, Richmond,Va., Va. State General District Court, Va. State Circuit Court, Va. State Appeals Court, U.S. Bankruptcy Court, Fla. District Court, Fla. Superior Court, U.S. Federal District Court, Miami, Fl. in matters pertaining to Real Estate Law, Family Law, Bankruptcy Court. Federal Agenices worked at and Federal Branches: HUD, State Dept, DOD/Star Wars/PINETREE/DARPA/DEERS/TRICARE, OPIC, D.C. Govt, NSA/Ft.Meade, U.S. Naval Security Station, D.C./CRYPTO DIV., U.S. Veterans Administration, D.C./HQ., Dept of Air Force/Star Wars, USA/Corps of Engineers, Naval Air Systems Command, Commerce Dept, U.S. Labor Dept, U.S. Treasury Dept, O.C.C., H.E.W./H.H.S., U.S. Attorney's Office, Baltimore, Md., Forensic Computer Systems Engineer Consultant. Fortune Five Hundred Cos: E-Systems, General Mills, EDS, Banks: Riggs National Bank, Community S&L, E.P.I.C./Bethesda,Md./Alex.Va. International Work/Telecommunications, Africa, Cote I'Ivoire, Saudi Arabia, France. Travel: Six Continents of Seven, Languages, English, Spanish, French. http://www.change.org/petitions/homeowners-discrimination-petititions-to... black vs. jpmorgan chase, hud case no 10-12-0032-8; black vs. great western bank, loudoun county circuit court, leesburg.va.; 106 F.3d 389: Notice: Fourth Circuit Local Rule 36(c) States ...; black v.OCC '77; pro se va.disability appeals; GAO/Congress/IT. QUI TAM EXP. Florida Outreach Coalition, Key West, Fla. Outreach Volunteer House monitor/computer systems analyst for homeless vets in south florida in the 90's. ushud fairhousing cn 10-12-0032-8.
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Cc: P. McGuire, Exec Director Oregon Fair Housing Council, Portland, Oregon
Washington State, Everett, WA. Fair Housing Alliance
Attachments as Additional Numbered Paged Evidence documents for record in Appeal 1 and 2/Reconsiderations of two Dismissals with no evidence achieved through unconstitutional means and violations of US HUD, USC 49 and FEHO regulations by Ms. Nelson and Mr. Chung of Region Ten allegedly which have been substantiated. And Violating my constitutional and civil rights under U.S.C. 49 24 C.F.R. S. 100-200, Title VIII to achieve those dismissals.
Numbered sequentially evidence documents to include discriminatory predatory six page Chase EMC promissory note, Boilermakers Union of Kansas City, Kansas promissory note, transcript of March, 2011 meeting with US HUD FIELD investigators in Vancouver, WA all of which has been dismissed, destroyed or covered up by Region Ten personnel and emc chase predatory mortgage medication documents on first and second trusts and new originated loan in October 2011 both predatory and cover-up of falsified mortgage balance and loan terms and rates and hidden 3/16ths of a point interest charges adding up to $ 400k in interest charges to the loan depending on LIBOR index performance over 30 year loan life with no disclosure in over 7 years of any of these charges to this very day October, 2012 and no loan documents for this new loan with new loan terms that I never applied for.
Original 90+ page complaint document on approved U.S.H.U.D. complaint form on www.hud.gov website to be used to file Fair Housing Office in Person Interview - Inquiry #304494 This and following Inq/case no’s are for original complaint filed in March and August 2010 that was dismissed unconstitutionally by Ms. Nelson as part of the cover-up of massive discriminatory lending practices in the u.s. by allegedly emc chase with approximately 1,000,000 such loans as delineated and documented and authenticated by the U.S. Federal Trade Commission.
Mortgage discrimination complaints.
Reference Case No/Inquiry No.
call: PDF for Black v. Nationstar Mortgage - Inquiry USHUD FEHO Number # 316063
USHUD FEHO REGION TEN Fair Housing Interview - Inquiry # 308494
There may be as many as six total inquiry numbers assigned to this initial case filed 8 times with Region Ten and with Congresswoman J. Herrara_Beutler having to write a letter to Region Ten to get them to even recognize my complaint to have the initial interview on March, 2011. All of the evidence at that interview was trashed, dismissed or not looked at including telling Mr. Gillette to “keep quiet“ as my advocate and not being allowed to present the evidence of the discriminatory lending via the promissory note in that meeting. Neither investigator, i.e. L. Myles-Bryant or her colleague made any attempt in over an hour meeting to ask one question or even look at the Promissory Note which has the embedded mortgage discrimination interest charged embedded in the text.
Their only mission allegedly was to try to get me to sign a falsified document on a blank piece of paper written by Ms. Bryant and ms nelson that was a falsehood. I refused to sign this document.
Transcript of March, 2011 meeting with US HUD FEHO Portland Oregon investigators
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