Thank you for sharing!

Your article was successfully shared with the contacts you provided.

Last November, the U.S. Dept. of Housing and Urban Development (HUD) proposed a new rule permitting agencies the use of disparate-impact analysis to prove allegations of illegal housing discrimination under the Fair Housing Act. HUD listed the provision and pricing of homeowners’ insurance as one housing-related activity to which the disparate-impact standard would apply. How would the rule’s adoption affect homeowner insurers and consumers?

Let’s begin with some history: Congress enacted the Fair Housing Act in 1968 to prohibit housing discrimination based on race, religion, gender, familial status or ethnicity. The law was meant to put an end to restrictive covenants, in which homeowners’ groups agree not to sell their homes to certain minorities. Likewise, the law prohibited landlords from refusing to rent apartments to people based on race, gender, et al., and prevented lenders from denying home mortgage loans or charging higher interest rates on the basis of these characteristics. Congress assigned HUD the task of enforcing the Act. 

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.