42 USC § 3605 — Discrimination in residential real estate-related transactions

fha-42usc-3605

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.

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Verbatim regulatory text (3)

Verbatim provisions from 42 USC § 3605 — Discrimination in residential real estate-related transactions — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

42 U.S.C. §3605(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, religion, sex, handicap, familial status, or national origin.

Source: 42 USC § 3605(a) · source URL · snapshot 474296f0067cf0d7

42 U.S.C. §3605(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, repairing, or maintaining a dwelling ; or (B) secured by residential real estate. (2) The selling, brokering, or appraising of residential real property.

Source: 42 USC § 3605(a) · source URL · snapshot 474296f0067cf0d7

42 U.S.C. §3605(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. 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 .)

Source: 42 USC § 3605(a) · source URL · snapshot 474296f0067cf0d7

Operationalizing 42 USC § 3605 — Discrimination in residential real estate-related transactions

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

Source of record: https://claudeforcompliance.com/regs/fha-42usc-3605/ · register fha-42usc-3605 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.