source:
  type: regulation
  id: fha-42usc-3605
  authority: 42 USC § 3605 — Discrimination in residential real estate-related transactions
  description: 'Fair Housing Act §3605 — the lender-direct anti-discrimination

    prohibition. Bars discrimination by any entity whose business

    includes residential real estate-related transactions — explicitly

    including the making or purchasing of mortgage loans, financial

    assistance secured by residential real estate, brokering, and

    appraising. This is the operative Fair Housing Act provision binding

    [LENDER] in mortgage origination, secondary-market purchase, and

    appraisal-related conduct.

    '
obligations:
- id: fha-42usc-3605-a
  canonical_id: fha-42usc-3605-a
  section: 42 U.S.C. §3605(a)
  description: '(a): (a) In general It shall be unlawful for any person or other entity whose business
    includes engaging in residential real estate-related transactions to discriminate against any person
    in making available such a transaction, or in the terms or conditions of such a transaction, because
    of race, color, …'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 USC § 3605(a)
    source_class: fair-housing-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/3605
    snapshot_id: 474296f0067cf0d7
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7
    paragraph_quote: (a) In general It shall be unlawful for any person or other entity whose business
      includes engaging in residential real estate-related transactions to discriminate against any person
      in making available such a transaction, or in the terms or conditions of such a transaction, because
      of race, color, religion, sex, handicap, familial status, or national origin.
    drafter_attestation: Verbatim subsection of 42 U.S.C. §3605 from Cornell LII snapshot 474296f0067cf0d7;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-42usc-3605-b
  canonical_id: fha-42usc-3605-b
  section: 42 U.S.C. §3605(b)
  description: '(b): (b) “Residential real estate-related transaction” defined As used in this section,
    the term “ residential real estate-related transaction ” means any of the following: (1) The making
    or purchasing of loans or providing other financial assistance— (A) for purchasing, constructing,
    improving, repairin…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 USC § 3605(a)
    source_class: fair-housing-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/3605
    snapshot_id: 474296f0067cf0d7
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7
    paragraph_quote: '(b) “Residential real estate-related transaction” defined As used in this section,
      the term “ residential real estate-related transaction ” means any of the following: (1) The making
      or purchasing of loans or providing other financial assistance— (A) for purchasing, constructing,
      improving, repairing, or maintaining a dwelling ; or (B) secured by residential real estate. (2)
      The selling, brokering, or appraising of residential real property.'
    drafter_attestation: Verbatim subsection of 42 U.S.C. §3605 from Cornell LII snapshot 474296f0067cf0d7;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: fha-42usc-3605-c
  canonical_id: fha-42usc-3605-c
  section: 42 U.S.C. §3605(c)
  description: '(c): (c) Appraisal exemption Nothing in this subchapter prohibits a person engaged in
    the business of furnishing appraisals of real property to take into consideration factors other than
    race, color, religion, national origin, sex, handicap , or familial status . ( Pub. L. 90–284, title
    VIII, § 805 , Apr…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: 42 USC § 3605(a)
    source_class: fair-housing-statute
    source_url: https://www.law.cornell.edu/uscode/text/42/3605
    snapshot_id: 474296f0067cf0d7
    fetched_at: '2026-05-24T19:33:25Z'
    content_hash: sha256:474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7474296f0067cf0d7
    paragraph_quote: (c) Appraisal exemption Nothing in this subchapter prohibits a person engaged in
      the business of furnishing appraisals of real property to take into consideration factors other
      than race, color, religion, national origin, sex, handicap , or familial status . ( Pub. L. 90–284,
      title VIII, § 805 , Apr. 11, 1968 , 82 Stat. 83 ; Pub. L. 93–383, title VIII, § 808(b)(2) , Aug.
      22, 1974 , 88 Stat. 729 ; Pub. L. 100–430, § 6(c) , Sept. 13, 1988 , 102 Stat. 1622 .)
    drafter_attestation: Verbatim subsection of 42 U.S.C. §3605 from Cornell LII snapshot 474296f0067cf0d7;
      body isolated between nav and notes; substring-verified.
  judgment: false
