NFHTA Forum | Combating Appraisal Bias Series: Building Fair Housing Partnerships
March 15, 2023 | 2:00 PM - 4:00 PM EDT
Home appraisals must be fair and unbiased for all. When a home is improperly undervalued by an appraiser, it hurts the homeowner and the surrounding community. Undervaluation of homes based on race exacerbates the racial wealth divide. Ensuring that home appraisals are accurate, objective, and free from bias is essential if families of all races, nationalities, religions, sexual orientations, and income levels are to prosper and pursue successfully the American dream of homeownership.
This forum is designed to strengthen the partnership between Fair Housing Initiatives Program (FHIP), Fair Housing Assistance Program (FHAP), housing counseling agencies (HCAs), and Appraisal Certification/Licensing Boards so that they may work together effectively to identify and combat appraisal bias. Part of the Combating Appraisal Bias Series, this final session will take a closer look at practical steps FHIPs, FHAPs, HCAs, and Appraisal Certification/Licensing Boards can take to combat appraisal bias utilizing the protections under the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and state and local fair housing and lending laws. The conversation will also focus on strategies to educate and empower consumers who may be victims. Plus, a discussion on the types of collaborations and partnerships that are effective in combating the appraisal discrimination.
- Learn about created partnerships between FHAPs, FHIPs, housing counseling agencies, and Appraisal Certification/Licensing Boards that address housing discrimination in the home appraisal process
- Explore the potential for new partnerships and initiatives to combat appraisal bias
- Hear creative solutions beyond filing cases to address appraisal bias
- Gain understanding from a Regulator's perspective regarding how the Fair Housing Act and ECOA apply to the appraisal industry
- Receive strategies, tools, and resources to assist Fair Housing agencies and their partners educate consumers about appraisal bias and empower them to act if they believe they have experienced this form of housing discrimination
This forum is targeted to HUD-funded fair housing organizations (i.e., FHIP and FHAP professionals), fair housing partners (e.g., legal service providers and civil rights advocates), and HUD approved HCAs.
Materials from this forum will be added in 1-2 weeks.
If you have any questions about materials, please contact NFHTA@cloudburstgroup.com.
View the slides for this forum.
Combating Appraisal Bias Series: Identify, Empower, and Collaborate
Date Published: January 23, 2023
HUD's Office of Housing Counseling (OHC) and the Office of Fair Housing and Equal Opportunity (FHEO) are working together to combat appraisal bias. The webinar series contains three sessions where the first session features an engaging roundtable discussion where consumers and HCAs share their experiences from two different markets in the country. The second and third sessions unpack the work of the PAVE Task Force, the PAVE Action Plan, and highlight tools, strategies, and next steps for HCAs.
NFHTA Job Aid | Flowchart of the Real Estate Appraisal Process
Date Published: May 2021
This document walks through the steps of the real estate appraisal process, including loan application, the appraisal being ordered, pulling data prior to an appraisal inspection, and the appraiser approach.
NFHTA Forum | Strategies for Investigating Discriminatory Residential Appraisals
Date Published: September 15, 2021
This NFHTA forum focused on understanding the fundamentals of the appraisal process, comprehensive strategies and approaches to conducting appraisal bias investigations, and exploring discriminatory impact and treatment theory in appraisal investigations. It contains information on how a discriminatory appraisal may violate fair housing laws; recaps key cases alleging appraisal discrimination; and provides strategies and tools that fair housing practitioners and attorneys can utilize to thoroughly, timely and comprehensively investigate complex appraisal cases.
Letter/Comments of Federal Agencies Charged with Enforcing Nondiscrimination Standards Under the Fair Housing Act and the Equal Credit Opportunity Act Related to the Appraisal Standards Board Ethics Rule (Ethics Rule) and Advisory Opinion 16
Date Published: February 4, 2022
This is a letter from federal agencies charged with enforcing nondiscrimination standards under the Fair Housing Act (FHAct) and the Equal Credit Opportunity Act (ECOA). The letter provides comments on the Proposed Changes for the 2023 Edition of the Uniform Standards of Professional Appraisal Practice (USPAP).
Date Published: August 2017
The Intersector Project of the Aspen Institute created this toolkit. It is a powerful resource that contains best practices to "guide, help diagnose, design, implement, and assess successful cross-sector collaborations." This is accomplished through the inclusion of various content, guided questions, and resources.
Engaging the Community in the Development of a Local Housing Strategy
This page on the Local Housing Solutions website discusses various reasons why local officials should engage the community in the development of the housing strategy and the benefits that come from that.
Improving Your Chances for Success in Partnerships
Date Published: April 2010
The Institute for Local Government (ILG) assembled this information to assist organizations entering into partnerships with other organizations and/or government agencies.
Creating and Maintaining Coalitions and Partnerships
This Community Tool Box toolkit provides guidance for creating a partnership among different organizations to address a common goal.
Advancing Mobility from Poverty A Toolkit for Housing and Education Partnerships
Enterprise Community Partners created this toolkit to serve as a resource for individuals and organizations seeking to build and advance cross-sector partnerships to accelerate the achievement of shared outcome.
Memorandum of Understanding between the Texas Workforce Commission Civil Rights Division and the Texas Appraiser Licensing and Certification Board
Date Published (Signed): September 19, 2022
This is a Memorandum of Understanding (MOU) between Texas Workforce Commission Civil Rights Division (TWC) and Texas Appraiser Licensing and Certification Board (TALCB). The purpose of the MOU is to facilitate interagency cooperation between TWC and TALCB regarding fair housing issues and complaints as they relate to appraisals. It outlines the mutual understandings and responsibilities of both offices and how they are collaborating on this work.
Housing Discrimination and the Appraisal Industry
Date Published: 1996
This article by Robert G. Schwemm seeks to provide a basic foundation for addressing Housing Appraisal Discrimination by examining the case law dealing with it.
Know Your Price: Valuing Black Lives and Property in America's Black Cities
Date Published: May 19, 2020
This book by Dr. Andre M. Perry of the Brookings Institute examines the history of appraisal bias and its economic and social consequences for Black families and neighborhoods.
The Gumbo Coalition: 10 Leadership Lessons That Help You Inspire, Unite, and Achieve
Date Published: May 5, 2020
This book provides the reader with key leadership lessons to unite voices and create meaningful change.
The Leadership Challenge: How to Make Extraordinary Things Happen in Organizations, 6th Edition
Date Published: April 2017
Though this book focuses on leadership, it also discusses how to create a shared vision, collaborate with others who have different views, and empowerment a group to do extraordinary things.
The Partnering Toolbook, 4th Edition
Date Published: 2011
This book was authored by Ros Tennyson and produced by The Partnering Initiative. This toolbook an overview of the essential elements that make for effective partnering.
Fair Housing Assistance Program (FHAP) Grantees GIS Helpdesk
Date Published: February 13, 2018 (Last Updated: September 15, 2022)
This tool provides the locations and pertinent information for Fair Housing Assistance Program (FHAP) grantees.
Fair Housing Initiative Program (FHIP) Grantees GIS Helpdesk
Date Published: February 13, 2018 (Last Updated: September 15, 2022)
This tool provides the locations and pertinent information for Fair Housing Initiative Program (FHIP) grantees.
HUD Housing Counseling Services Locator
The nationwide network of HUD participating housing counseling agencies have been helping consumers across America for more than 50 years by providing the answers they need to make informed housing decisions. This HUD webpage provides users the search tool to find a HUD participating housing counseling agency in their community.
Louisiana Fair Housing Action Center
Manager of Fair Housing Investigation
Texas Workforce Commission
Frances A. Reese Seeger
Fair Housing Intake Supervisor
Texas Workforce Commission
Texas Appraiser Licensing and Certification Board (TALCB)
Fair Housing Advocates of Northern California
Vice President of Housing Programs
National Association of Real Estate Brokers-Investment Division-Housing Counseling Agency
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.
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.
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