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activities. FHCOC continued to examine regional HMDA data to identify statistically significant indicators of discriminatory lending practices. FHCOC also continue to investigate complaints of apparent instances of differential treatment of protected classes and when possible informed local jurisdictions of these occurrences. Additionally, during the 2008 -2009 report period FHCOC stated they examined predatory and /or discriminatory practices that may be connected to an increase in mortgage defaults, especially those with "sub- prime" loans. ■ FHCOC developed, marketed and presented a financial literacy and banking education program. The program includes assisting participants create Individual Development Accounts (IDA's) that are intended as a savings account for housing opportunities. ■ Since many local jurisdictions do not have formal fair housing education systems in place for employees who impact fair housing issues (e.g., planning /zoning and code enforcement staff), FHCOC recommended that local jurisdictions implement a policy that requires all employees whose positions impact fair housing issues attend formal fair housing training on an annual basis. During the 2008 -2009 report period, FHCOC did not undertake any related actions; however, during 2009 -2010 FHCOC will provide fair housing training sessions open to all local government staff at a nonprofit rate. Flyers will be distributed to local government offices. FHCOC will send notices to appropriate City departments - City staff that attends the training will receive certification of attendance. ■ The required Al repOucted; s suranc comp T geting certain zip codes for higher rates of di eren er d c dition CO recommends that an audit of local insur ie and to to is is a problem and to isolate the basis foer eni a F 0 staff hved training to insure a valid audit can be c however, unding for t is project is needed. ■ Many residents do not have adequate information regarding basic housing rights. This may lead to an increase in undetected cases of housing discrimination. FHCOC recommended that local governments provide education and outreach to service organizations that specifically assist special need populations. This outreach should consist of educational opportunities as well as written information to educate staff members and materials that can be provided to their clients. During the report period, FHCOC made available written materials in three languages for use by local jurisdictions and other service providers. FHCOC estimates that more than 1,000 limited English proficiency households were served during the past 12 months, including those reached through regular participation in a Vietnamese language radio show. FHCOC continued to implement activities under its current Fair Housing Initiatives Program (FHIP) grant to specifically provide fair housing services geared toward individuals with limited English proficiency. ■ Santa Ana has distinct and independent policies and programs that affect housing development. The City has reviewed these policies and programs on a per project basis and 16 Draft 8/26/2009 19F -22