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CITY OF SANTA ANA 200E-2009 ANNUAL ACTION PLAN VII. OTHER ACTIONS IDENTIFICATION OF IMPEDIMENTS TO FAIR HOUSING CHOICE As a recipient of federal grant funds, the City of Santa Ana is required to prepare an analysis of impediments to fair housing choice (AI). In addition to identifying impediments, a strategy to overcome these barriers must be implemented. The AI must be prepared to complement the Consolidated Plan. The City was a participant in the development of a regional AI, prepared by the Fair Housing Council of Orange County (FHCOC) on behalf of 13 municipal jurisdictions and the County of Orange. This document covers a full array of public and private policies, practices and procedures affecting housing choice locally and in the Orange County region. This document has served as the substantive basis for Fair Housing planning. The AI covers the 2006-2010 timeframe. SUMMARY OF IMPEDIMENTS IDENTIFIED IN THE ANALYSIS The following is a summary of impediments identified in the AI. It is important to note that not all of the impediments identified in the analysis are present in Santa Ana. This summary is based on a regional evaluation: ^ A need exists for cost sensitive and effective fair housing counseling that provides comprehensive educational services and fair housing enforcement. ^ There is a need for apro-active evaluation of fair lending practices in the region to evaluate, explain and eliminate disparity in lending practices by race and national origin. ^ Local jurisdictions do not have a formal fair housing education system in place for employees who impact fair housing issues (e.g., planning/zoning and code enforcement staff). ^ Residents do not have adequate information regarding basic housing rights, which may lead to an increase in undetected discrimination. ^ Insurance companies may be targeting certain zip codes for higher denial rates or different terms and conditions. 4/16108 26 19E-38