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Created by the U.S. Congress in 1970, the National Cooperative Credit Union Administration is an independent federal firm that guarantees deposits at federally insured credit unions, safeguards the members who own credit unions, and charters and manages federal credit unions.
+Mission & Values
+
Leadership
[sothebysrealty.com](https://www.sothebysrealty.com/eng/sales/detail/180-l-85685-tr23145992/3512-ironbark-way-yorba-linda-ca-92886)
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NCUA's Regulations and Guidance
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References & Resources
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1. Home
+2. > Regulation and Supervision
+3. > Manuals and Guides
+4. > Federal Consumer Financial Protection Guide
+5. > Compliance Management
+
Feedback
+
Fair Housing Act (FHA)
+
Federal Consumer Financial Protection Guide
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Compliance ManagementCompliance Management Systems and Compliance Risk
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+Consumer Leasing Act ([Regulation](https://inmocosta.com) M).
+
Fair Credit Reporting Act (Regulation V).
+
Homeowners Protection Act (PMI Cancellation Act).
+
Military Lending Act (MLA).
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Real Estate Settlement Procedures Act (Regulation X).
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Secure and Fair Enforcement for Licensing Act (SAFE Act) (Regulation G).
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Servicemembers Civil Relief Act (SCRA).
+
Small Dollar Lending and Payday Alternative Loans.
+
Truth in Lending Act (Regulation Z).
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+Equal Credit Opportunity Act (Regulation B).
+
Fair Housing Act (FHA).
+
Home Mortgage Disclosure Act (Regulation C).
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+Electronic Fund Transfer Act (Regulation E).
+
Expedited Funds Availability Act (Regulation CC).
+
Truth in Savings Act (NCUA Rules & Regulations Part 707).
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+Children's Online Privacy Protection Act.
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Privacy of Consumer Financial Information (Regulation P).
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Unfair, Deceptive, or Abusive Acts or Practices (UDAAP).
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Electronic Signatures in Global and National Commerce Act (E-Sign Act).
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Fair Housing Act (FHAct, 42 U.S.C. § 3601 et seq.), which is carried out by the Department of Housing and Urban Development's (HUD) policies (24 CFR Part 100), was enacted as Sections 800 to 820 of Title VIII of the Civil Liberty Act of 1968, as modified. FHAct makes it unlawful for loan providers to victimize anybody in making offered a domestic real estate-related deal or to dissuade an applicant from sending a loan application based on race, color, national origin, religion, sex, familial status, or handicap.
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In particular, FHAct applies to funding or [acquiring](https://lewisandcorealty.ca) a mortgage loan protected by property property. Specifically, a lender might not deny a loan or other financial assistance for the purpose of acquiring, building, enhancing, repairing, or keeping a residence on any of the forbidden bases noted above. FHAct likewise makes it unlawful for a lender to utilize a forbidden basis to discriminate in setting the terms or conditions of credit, such as the loan amount, rate of interest, or period of the loan on a prohibited basis.
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Furthermore, a lender may not express, orally or in writing, a choice based upon any forbidden aspects or suggest that it will deal with candidates differently on a forbidden basis, even if the loan provider did not act upon that [declaration](https://ethiopiarealty.com). A violation may still exist even if a lender dealt with candidates similarly.
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In addition, since domestic real estate-related deals include any deals secured by property realty, FHAct's restrictions (and regulative requirements in certain locations, such as advertising) use to home equity credit lines along with to home purchase and refinancing loans. These restrictions likewise apply to the selling, brokering, or appraising of property real residential or commercial property and to secondary mortgage market activities. Consequently, a cooperative credit union's policies, procedures and practices including housing financing ought to be broadly analyzed to ensure that the cooperative credit union does not otherwise make unavailable or deny housing.
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Sexual Orientation and Gender Identity
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Although FHAct does not specifically prohibit discrimination based upon sexual preference or gender identity, HUD attended to gay, lesbian, bisexual, and transgender (LGBT) housing discrimination by releasing the Equal Access to Housing in HUD Programs No Matter Sexual Preference or Gender Identity Rule (Equal Access Rule, 77 Fed. Reg. 5662, Feb. 3, 2012). The Equal Access Rule uses to housing helped or insured by HUD, consequently affecting Federal Housing Administration-approved lenders and others taking part in HUD programs. Specifically, a decision of eligibility for housing that is helped by HUD or subject to a mortgage insured by the Federal Housing Administration will be made in accordance with the eligibility requirements attended to such program by HUD, and such housing will be [offered](https://realestatescy.com) without regard to real or perceived sexual preference, gender identity, or marital status. (24 CFR § § 5.100 and 5.105( a)( 2 )). The Equal Access Rule ended up being effective on March 5, 2012.
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[Fair Housing](https://ladygracebandb.com) Act (FHAct, 42 U.S.C. § 3601) can be found here
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HUD's Regulations (24 CFR Part 100) can be discovered here
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For Equal Access to Housing in HUD Programs No Matter Sexual Orientation and Gender Identity (Equal Access Rule) can be found here
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NCUA Rules and Regulations 12 CFR § 701.31 can be found here
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Definitions utilized in:
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- FHAct (42 U.S.C. § 3602) can be discovered here.
+- HUD Regulations (24 CFR § 100.20) can be discovered here.
+- Subpart A - Generally Applicable Definitions and Requirements
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