29A - CON PLAN ANNUAL UPDATE FOR FEDERAL FUNDED PROGRAMS

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2010/11-2014-15 CITY OF SANTA ANA CONSOLIDATED PLAN 1 2013/14 ACTION PLAN characteristics." Of particular concern as an impediment to fair housing choice is the occurrence of hate crimes at or adjacent to housing. 4. Unfair Lending: This impediment refers to underwriting, marketing or pricing that discriminates because of race or ethnicity, gender, age, marital status, source of income, or another protected characteristic of a potential or actual borrower. It also includes the practice of 'redlining', where borrowers are treated adversely or denied on the basis of where they live or the location of a property they wish to finance. An evaluation of 2008 Home Mortgage Disclosure Act (HMDA) data found there was disparity in loan approval/denial rates among racial and ethnic minority borrowers, in particular, Hispanic applicants had higher loan denial rates than White, Non-Hispanic borrowers. 5. Zoning Policies and Practices: Federal and state laws, related to funding or planning requirements, oblige all local governments to affirmatively further fair housing (AFFH) opportunities. One way to accomplish AFFH is to implement zoning policies and practices that address the needs of persons with disabilities and other special needs populations. This can include making reasonable accommodations in building, land use, and housing requirements or policies when they are necessary to afford disabled persons an equal opportunity to use and enjoy a dwelling. 6. City has identified the following impediments: ¦ Lack of supportive and transitional housing zoning regulations ¦ Lack of reasonable accommodation ordinance ¦ Lack of visitability and universal design regulations in the Municipal Code Actions to Address Identified impediments: The following have been identified in the Al as actions that may be taken to address identified impediments to fair housing in collaboration with the FHCOC, lending institutions, real estate associations, and other service agencies: ¦ The City will contract with the FHCOC to receive, investigate and address housing discrimination complaints filed by City residents. Compile an Annual Report on housing discrimination complaints filed with the FHCOC, DFEH and HUD. The report will include housing discrimination complaints unique to the City as well as those of the entire County. The Annual Report will describe emerging trends within the City and County. Through the funding of FHCOC fair housing services, enforcement activities will be undertaken that provide investigation and response to allegations of illegal housing discrimination. Complaints that cannot be conciliated are referred to the U.S. Department of Housing and Urban Development (HUD), DFEH, or to a private attorney, as appropriated and as directed by the complainant. DRAFT 04/22/2013 29 29A-34