On your side is the U.S Department of Housing and Urban Development (abbreviated to HUD). Your weapon is the Fair Housing Act (FHA), which was enacted by Congress back in 1968. In a nutshell, what this act does is prevent direct providers of housing (e.g landlords, real estate companies, banks, etc.) from discriminating due to race, religion, sex, origin, family status, or disability.

To clarify, race discrimination covers more than just your typical “Sorry, I don't rent to black/yellow/white/red/green people” remarks. Many times, homeseekers don't know that they've been discriminated against. This happens when housing providers hide their discrimination by giving fake information about availability of housing. The Department of Justice actually has a special program, the Fair Housing Testing Program, which goes to uncover this kind of hidden discrimination.

Besides the normal interpretation of religion-based discrimination, housing providers can not create zoning ordinances to limit usage of private homes as places of worship. Also, don't get too hyped up if you think you have a case against the local catholics-only rental unit; religious organizations are allowed to reserve housing for people of the same religion.

The most popular filings to the HUD are related to disability discrimination. According to the FHA, “persons with a disability” refers to people with “a physical or mental impairment which substantially limits one or more of such person's major life activities.” This means that homeowners are not allowed to discriminate based on afflictions such as HIV infection, mental retardation, alcoholism, and mobility impairment. The FHA also does not cover users of illegal controlled substances, sex offenders, and juvenile offenders.

These laws against discriminatory practices also carry over to mortgage loans and home improvement loans; in these cases, you are protected under both the FHA and the Equal Credit Opportunity Act.

So what happens when you experience this discrimination? The FHA has complete provisions for handling this type of event. If you have been a victim of an illegal housing practice, you are allowed to either file a complaint with the HUD or file a lawsuit with the federal or state court. When you file a complaint with the HUD, the Department of Justice will get involved and launch suits on behalf of those who filed complaints.

As an example, a young man named Michael Scialabba in Chicago was involved in an automobile accident which left him with a traumatic brain injury. The condominium association and his property manager were accused of not making any reasonable attempt to accommodate Michael's injury. The result: Michael won a $160,000 settlement against the condominium association due to the federal Fair Housing Act.

It's nice to know sometimes that you have a few government organizations watching out for your fair treatment. Another little known fact is that if a housing provider uses force or threatens to use force to deny you your fair housing rights, the Department of Justice can launch the granddaddy of all suits: criminal proceedings.

Hopefully now you have a better grasp of what the HUD and FHA can offer you in terms of homeseeker empowerment. Knowing your rights will give you the upper hand when you look for housing; don't let the housing providers take advantage of you.