HUD sponsored

NFHTA Forum | Addressing Systemic Housing Challenges: Racism in the Homebuying Process


September 21, 2022 | 2:00 PM - 4:00 PM EDT




"That is why the work being done and the efforts in which you do engage each and every day, are so very vital by promoting, defending, and enforcing the Fair Housing Act. We are ensuring that every individual, by doing this across the country, can claim our nation's fundamental precepts of true equality, dignity, and freedom. So, it is my hope today, that today's forum will serve as a platform to increase your awareness, catalyze change, and really strengthen your resolve for equity."

Demetria McCain, Principal Deputy Assistant Secretary, Office of Fair Housing and Equal Opportunity, HUD

Homeownership is the cornerstone for building wealth in America. Yet nearly 55 years after the passage of the Fair Housing Act of 1968, which was passed to prohibit all forms of housing discrimination, the dream of equality in home buying remains unfulfilled. To date, steering and other covert kinds of discriminatory practices remain in the homeownership process. Recent reports of widescale steering by real estate agents, low appraisals of the homes of Black and Brown families, and other discriminatory practices show that much work remains.

The National Fair Housing Training Academy (NFHTA) hosted a forum that pulled back the covers on subtle yet discriminatory practices that deny potential homebuyers access to fair and equitable housing. Panelists examined and discussed the impact that racism and discrimination have at each stage of the homebuying process and the compounding cost to families and communities. Finally, participants gained a better understanding of how to increase consumer awareness, educate communities, and explore investigative strategies for enforcement agencies. Over 811 fair housing partners joined the conversation.


  1. Welcome from moderator, Cashauna Hill, Executive Director at the Louisiana Fair Housing Action Center
  2. Opening remarks by Demetria McCain, Principal Deputy Assistant Secretary, Office of Fair Housing and Equal Opportunity, HUD
  3. Opening remarks by Jacy Gaige, Director, Compliance Disability Rights Division, FHEO Fair Housing, HUD
  4. Video: Long Island Divided: How Newsday Used Data to Uncover Evidence of Bias in Real Estate on Long Island
  5. Introduction of panelists:
    • Keith Herbert, Investigations Editor, Newsday
    • Bryan Greene, Vice President, Policy Advocacy, National Association of REALTORS®
    • Steve Tomkowiak, Esq., Executive Director, Fair Housing Center of Metropolitan Detroit
    • Sameena Shina Majeed, Chief of the Housing and Civil Rights Enforcement Section, Civil Right Division, DOJ
  6. Presentation and discussion by panelists on:
    • Newsday's Long Island Divided Investigation, testing procedures, and impact
    • Better training processes for real estate professionals
    • Surrounding real estate licensure reforms and repercussions for discrimination in the homebuying process
    • Unlawful steering practices based on protected class status
    • Defining unlawful steering and underlying policies
    • Best practices for challenging unlawful steering and case studies
    • Explanation of enforcement statues for discrimination
    • Redlining, discriminatory denials or underwriting, appraisal bias, and reverse redlining
    • Spotlight on testing by DOJ and HUD partners
  7. Question and answer session moderated by Ms. Hill

A video of the forum has been posted on this page, along with a transcript of the conversation and a robust resources list for your continued reference.

Learning Objectives

  • Identify the common types of housing discrimination in the home buying process
  • Gain knowledge of the economic impacts of discrimination in the home buying process, including the continued disparities in wealth accumulation and the perpetuation of segregation
  • Explore the phenomenon of steering and its role in creating and reinforcing segregation
  • Discuss fair housing laws, regulation, and theories of liability used to combat steering and other forms of discrimination in the home buying process
  • Explore methods for conducting systemic and complaint-based investigations of unlawful steering practices and identifying responsible parties


This forum is targeted to HUD-funded fair housing organizations (i.e., FHIP and FHAP professionals), fair housing partners (e.g., housing counselors, legal service providers, and civil rights advocates), real estate professionals (real estate agents and brokers), and others in the housing/lending industries.


FHEO Remarks

Demetria McCain Bio

Demetria McCain

Principal Deputy Assistant Secretary
Office of Fair Housing and Equal Opportunity, HUD
Jacy Gaige Bio Picture

Jacy Gaige

Director, Compliance Disability Rights Division
Office of Fair Housing and Equal Opportunity, HUD

Live Roundtable

Cashauna Hill Bio

Cashauna Hill

Executive Director
Louisiana Fair Housing Action Center


Keith Herbert Bio

Keith Herbert

Investigations Editor


Steven Tomkowiak Bio

Steve Tomkowiak, Esq.

Executive Director
Fair Housing Center of Metropolitan Detroit
Sameena Shina Majeed Bio

Sameena Shina Majeed

Chief of the Housing and Civil Enforcement Section, Civil Rights Division
Department of Justice (DOJ)


Bryan Greene

Bryan Greene

Vice President, Policy Advocacy
National Association of REALTORS®


About the Forums

Forums are online conversations designed to allow multi-directional interactions between HUD and its FHIP and FHAP partners around emerging fair housing issues regarding processing complaints, conducting investigations, and managing agencies. Topics will evolve based on partner needs and interests.

Learn More About the National Fair Housing Forums

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Disclaimer: The National Fair Housing Forum webinar series provides training by and to HUD partners, including entities and persons participating in HUD's FHAP Program and FHIP Program. The series offers multidirectional idea sharing in real-time. The views offered by speakers and participants do not necessarily reflect HUD's views. Similarly, unless otherwise noted, documents provided as part of the webinar were created and maintained by other public and private organizations and may not reflect HUD's official position. HUD-produced guidance documents, except when based on statutory or regulatory authority or law, do not have the force and effect of law and are not meant to bind the public in any way. Such guidance documents are intended only to provide clarity to the public regarding existing requirements under the law or HUD policies. The information is not intended to provide legal advice to any individual or entity. Please refer to relevant laws and regulations and/or your own legal advisor before taking any action based on information appearing on this site or any site to which it may be linked. Some materials have been translated into languages other than English; slight variations may have resulted from the translation.

Tags: Fair Housing NFHTA