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<br />Consolidated Plan. Table 1 includes accomplishments for the 2004- 2005 report period <br />- the final year of the 2000-2004 Consolidated Plan. <br /> <br />B. AFFIRMATIVELY FURTHERING FAIR HOUSING <br /> <br />The City of Santa Ana is required to undertake an analysis of impediments to fair <br />housing prevalent in the community, and to develop an action plan to address identified <br />impediments, <br /> <br />Santa Ana participated in the preparation of a regional Analysis of Impediments (AI) to <br />Fair Housing. This regional AI was a joint effort of the Fair Housing Council of Orange <br />County, the County of Orange, and 13 Orange County jurisdictions that receive federal <br />grant funds from HUD. HUD regulations require that an AI be prepared in conjunction <br />with the Consolidated Plan cycle (i.e., at least every five years). The current regional AI <br />was prepared in 2000, and covers the time period of program years 2001-2002 through <br />2005-2006. The AI identified impediments to fair housing choice on a regional basis <br />and delineates strategies regional partners can undertake to overcome identified <br />impediments. In compliance with federal regulations the following information is <br />provided with respect to actions taken during the report period to affirmatively further <br />fair housing. <br /> <br />Identified Impediments: The regional AI identified the following impediments to fair <br />housing choice. It is important to note that not all of these impediments may be <br />present in Santa Ana. <br /> <br />· A need exists for cost sensitive and effective fair housing counseling that provides <br />comprehensive educational services and fair housing enforcement. <br /> <br />· There is a need for a pro-active evaluation of fair lending practices in the region to <br />evaluate, explain and eliminate disparity in lending practices by race and national <br />origin as evidenced by Home Mortgage Disclosure Act (HMDA) aggregate data. <br /> <br />· Local jurisdictions do not have a formal fair housing education system in place for <br />employees who impact fair housing issues (e.g" planning/zoning staff, housing <br />authority staff, and code enforcement staff). <br /> <br />· Residents do not have adequate information regarding basic housing rights, which <br />may lead to an increase in undetected discrimination. <br /> <br />· Insurance companies may be targeting certain zip codes for higher denial rates or <br />different terms and conditions. <br /> <br />· Local entitlement communities may have policies and programs that affect housing <br />development, which may indirectly act as an impediment to fair housing choices, <br /> <br />8 <br /> <br />9/7/05 <br /> <br />190-12 <br />