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Volume 2014 - Number 42

November 6, 2014

DC Court Throws Out HUD Disparate-Impact Rule

The U.S. District Court for the District of Columbia early this week ruled that the Fair Housing Act does not provide for a disparate-impact theory of discrimination. The court’s ruling in American Insurance Association v. U.S. Department of Housing and Urban Development said the FHAct only permits disparate treatment as a basis for discrimination. HUD issued...

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HUD has announced a 25 basis point cut in FHA premiums, which is slated to take effect in late January. Is your lending shop for or against a cut in FHA premiums?

For. It should help lending volumes.
Against. The private MI sector should take on this risk, not the government.
Too early to say.
I believe the new White House may scuttle the idea so it doesn’t matter.

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