FR-6540-P-01 HUD’s Implementation of the Fair Housing Act’s Disparate Impact Standard
Summary
This proposed rule clarifies how the federal government will enforce the Fair Housing Act by preventing housing practices that unintentionally discriminate against people based on race, color, religion, sex, or national origin. The rule matters because it affects how landlords, banks, and housing companies operate and helps ensure fair access to homes and loans for all Americans.
Key Points
- 1HUD is proposing rules to address 'disparate impact'—situations where housing policies aren't intentionally discriminatory but still harm certain groups of people more than others
- 2The rule could apply to rental decisions, lending practices, property appraisals, and zoning policies that may unintentionally exclude certain racial or ethnic groups
- 3Housing companies and lenders may need to review their policies and practices to ensure they don't have hidden discriminatory effects, even if discrimination wasn't intended
- 4The public has until February 14, 2026 to submit comments on this proposed rule before HUD makes a final decision
- 5This rule affects landlords, mortgage lenders, real estate companies, and ultimately renters and homebuyers seeking fair housing opportunities
Key Dates
January 14, 2026
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
The Digest Network
AI Comment Drafter
Describe your concern and we'll help you draft a substantive comment.
AI-generated draft. Always review and edit before submitting. Replace all [bracketed placeholders] with your specific details. Your comment should reflect your genuine views and experience.