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¦ An analysis of calendar year (CY) 2008 Home Mortgage Disclosure Act (HMDA) Data was <br />presented in the Regional Al. At the time that analysis was begun, CY 2008 data was the most <br />recent data available. Although CY 2009 data became available in September 2010, and CY <br />2010 data became available in September 2011, during the 2010-2011 and 2011-2012 PYs, <br />respectively, FHFOC budget and staffing constraints prevented an analysis of that data. Data for <br />CY 2011 is about to become available (Sept. 2012) and FHCOC will endeavor to do an analysis of <br />some basic aspects for comparison against 2008 data. <br />¦ During 2011-2012, FHCOC was active in efforts intended to promote housing affordability <br />within Orange County. It provided services and/or outreach to organizations involved in the <br />creation, preservation or facilitation of affordable housing. These included the Kennedy <br />Commission, the Mental Health Association of Orange County, the Aids Services Foundation, <br />the Affordable Housing Clearinghouse, Jamboree Housing Corporation, Orange County <br />Congregations Community Organizations, and Orange County Community Housing Corporation. <br />¦ In response to the surge of foreclosures (many of which involve sub-prime or so-called <br />"innovative" mortgage products), FHCOC has obtained federal funding to specifically counsel <br />distressed borrowers to assist them in avoiding foreclosures and to preserve or achieve housing <br />affordability. Many of these households are lower-income minorities and immigrants. On a <br />regional basis, FHCOC provided counseling to more than 250 households facing issues of <br />mortgage default and foreclosure during 2011-2012. These activities helped households <br />retention newly achieved homeownership that helps lessen concentrations of poverty. <br />¦ During the 2011-2012 report period, FHCOC continued to offer fair housing training sessions <br />that were open to all local government staff. In the 2012-2013 Fiscal Year, FHCOC will send <br />notices to city staff to inform of the availability of training. City staff who attend the training <br />will receive certification of their attendance. <br />¦ The FHCOC provided written fair housing related materials in English, Spanish and Vietnamese <br />to local jurisdictions and other service providers. FHCOC also undertook specific outreach <br />efforts to immigrant populations in low-income neighborhoods to assist by informing and <br />organizing such populations. It is estimated that more than 1,000 limited English proficiency <br />households were served during the past 12 months. FHCOC also continued to implement <br />activities under a Fair Housing Initiatives Program (FHIP) grant. These program efforts <br />specifically targeted fair housing services to immigrant communities, especially immigrants with <br />limited English proficiency. Program efforts included a fair housing testing program that sought <br />to involve members of immigrant populations with limited English proficiency, both for <br />purposes of enforcing fair housing laws as testers and as a vehicle to increase outreach to those <br />populations. <br />¦ Through its foreclosure prevention activities FHCOC assisted individuals with limited English <br />proficiency who had received loans with documents, all prepared in English, that had terms that <br />were different from what they believed or were informed they were obtaining, or of which they <br />08/23/2012 13 <br />19C-21