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Discrimination in mortgage lending is prohibited by the federal Fair Housing Act. The HUD Office of Fair Housing and Equal Opportunity actively enforces those provisions of the law. The Fair Housing Act makes it unlawful to engage in the following practices based on race, color, national origin, religion, sex, familial status or handicap (disability):
Filing a complaint If you have experienced any one of the above actions, you may be the victim of discrimination. Recognizing the signs of lending discrimination is the first step in filing a complaint. HUD investigates your complaints at no cost to you. If you believe you have experienced lending discrimination, visit the housing discrimination complaint website to learn more about the complaint process. The federal agency that administers these laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.