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B. AFFIRMATIVELY FURTHERING FAIR HOUSING <br />Santa Ana participated in the preparation of a regional Analysis of Impediments (AI) to Fair <br />Housing as the primary means to affirm fair housing opportunities in the community. The <br />regional Al was a joint effort of the Fair Housing Council of Orange County (FHCOC), the County <br />of Orange, and Orange County jurisdictions that receive funds from HUD. HUD regulations <br />require that an Al be prepared in conjunction with the Consolidated Plan cycle (i.e., at least <br />every five years). The current regional Al was prepared in 2005, and covers the time period of <br />program years 2005 -2006 through 2009 -2010. <br />The Al identified impediments to fair housing choice on a regional basis and outlines strategies <br />regional partners can undertake to overcome identified impediments. In compliance with <br />federal regulations the following information is provided with respect to actions taken during <br />the report period to affirmatively further fair housing. <br />1. Actions to Affirmatively Further Fair Housing <br />As a means to affirm fair housing opportunities, the Al identifies regional impediments and an <br />action plan to address identified impediments. It is important to note that not all of the <br />impediments delineated in the Al may be present in Santa Ana. <br />• Local jurisdictions should enter into discussions with banking institutions located in Orange <br />County to encourage the use of Community Reinvestment Act (CRA) funds in ways that will <br />benefit minority and Low - Income neighborhoods. This can be accomplished by encouraging <br />banks to support programs to increase financial literacy and to use mainstream banking <br />services to promote saving for home ownership, higher education or micro - businesses. <br />• Many 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 and code <br />enforcement staff). <br />■ Insurance companies may be targeting certain zip codes for higher denial rates or different <br />terms and conditions. <br />14 Draft 8/26/2009 <br />19F -20 <br />