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<br />CITY OF SANTA ANA <br />2006-2007 ANNUAL ACTION PLAN <br /> <br />County (FHCOC) on behalf of 13 municipal jurisdictions and the County of Orange. <br />This document covers a full array of public and private policies, practices and <br />procedures affecting housing choice locally and in the Orange County region. This <br />document has served as the substantive basis for Fair Housing planning. The AI <br />covers the 2006-2010 timeframe. <br /> <br />SUMMARY OF IMPEDIMENTS IDENTIFIED IN THE ANALYSIS <br />The following is a summary of impediments identified in the AI. It is important to <br />note that not all of the impediments identified in the analysis are present in <br />Santa Ana. This summary is based on a regional evaluation: <br />. A need exists for cost sensitive and effective fair housing counseling that <br />provides comprehensive educational services and fair housing enforcement. <br />. There is a need for a pro-active evaluation of fair lending practices in the region <br />to evaluate, explain and eliminate disparity in lending practices by race and <br />national origin. <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 and code <br />enforcement staff). <br />. Residents do not have adequate information regarding basic housing rights, <br />which may lead to an increase in undetected discrimination. <br />. Insurance companies may be targeting certain zip codes for higher denial rates <br />or different terms and conditions. <br />. Local entitlement communities may have policies and programs that affect <br />housing development, which may indirectly act as an impediment to fair housing <br />choices. <br /> <br />4120/06 <br /> <br />20 <br />190-25 <br />