Connect with us

#NNPA BlackPress

Housing Discrimination Complaints Reach 24-Year High, While HUD Rolls Back Fair Housing Rules

WASHINGTON INFORMER — “All the tools and resources we have been afforded by the passage of our Fair Housing Act and fair lending laws are either under attack or being gutted,” noted Lisa Rice, president and CEO of NFHA. “[W]e must concern ourselves with policies pushed by our federal, state, and local governments that are steeped in hatred and designed to inflict pain.”

Published

on

HUD Secretary, Ben Carson (Photo: Washington Informer / Diversity Inc.)

By Charlene Crowell, Center for Responsible Lending’s communications deputy director

As a candidate, President Donald Trump promised that if elected, deregulation of the federal government would be an administration priority. Soon after taking the oath of office, he issued an executive order requiring all departments and agencies to eliminate two existing regulations for every one new regulation proposed. In some cases, rules that were adopted before his term in office began but had not yet taken effect were either suspended or delayed.

For example, the long-awaited payday rule at the Consumer Financial Protection Bureau (CFPB) was one important consumer protection that was delayed. Similarly, at the Department of Education, two rules providing protections for student loans were also delayed. More recently, this column shared how Housing and Urban Development (HUD) Secretary Ben Carson claimed that regulation was the reason for homelessness, not affordable housing.

Now new research by the National Fair Housing Alliance finds that as fair lending laws have not been aggressively enforced, a corresponding rise in hate crimes and fair housing complaints have emerged.

“Defending Against Unprecedented Attacks on Fair Housing: 2019 Fair Housing Trends Report,” recently released by the D.C.-based National Fair Housing Alliance (NFHA), tallied 31,202 discriminatory housing complaints filed in just one year – 2018. Moreover, this data point is the highest number ever reported since the National Fair Housing Alliance (NFHA) began collecting data 24 years ago. America’s hate crimes jumped 14.7% last year as well.

Even when it comes to enforcing and defending legal breaches, NFHA’s report documents how few government offices are upholding laws. Some 75% of last year’s fair housing complaints were pursued by private, nonprofit organizations across the country. Only 25% of such cases were the result of combined government actions by state, local and federal agencies.

“All the tools and resources we have been afforded by the passage of our Fair Housing Act and fair lending laws are either under attack or being gutted,” noted Lisa Rice, president and CEO of NFHA. “[W]e must concern ourselves with policies pushed by our federal, state, and local governments that are steeped in hatred and designed to inflict pain.”

Instead of strengthening federal fair housing guarantees, HUD is a prime example of how regulations are trying to reverse decades of progress. One particular HUD rule, disparate impact, is at severe risk. This long-standing legal tool has helped root out discriminatory practices and policies in both housing and lending. In 2013 and under the Obama Administration, HUD set up safeguards that assured consumers could pursue related claims while businesses were protected against claims without merit.

With disparate impact, both community banks and FDIC-insured institutions have achieved net growth profits. The rule has proven to create lending that is fairer and profits that investors desire.

Even a 2015 landmark fair housing case that made its way to the U.S. Supreme Court upheld disparate impact as a cognizable claim under the Fair Housing Act. In Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc., the nation’s highest court found the disparate impact rule to be an important fair housing tool to move towards a more integrated society.

So why would Secretary Carson try to roll back a rule that should be settled law?

In joint comments filed by the Center for Responsible Lending, Self-Help Credit Union, and Self-Help Federal Credit Union, the organizations advised Secretary Carson.

“Instead of creating barriers for claimants, HUD should honor its mission and work to ensure that African-American, Latino, and other communities harmed by housing and lending discrimination have every tool to stop it so that all Americans have an opportunity to thrive,” wrote the organizations.

For the Cooperative Baptist Fellowship, the National Baptist Convention USA, Inc., the Rainbow Push Coalition, and scores of other local, state and regional faith members, HUD was reminded of the immorality of its proposed rule.

“Everyday Americans are now struggling to keep and/or find homes they can afford,” wrote the clergy. “As housing prices rise faster than incomes, an increasing number of people grapple with challenges of how hard it is to keep their loved ones safe. When the additional and illegal burden of housing discrimination emerges, the lives of many people worsen.”

Here’s hoping that within government there are still public servants that support improving peoples’ lives.

Charlene Crowell is the Center for Responsible Lending’s communications deputy director. She can be reached at Charlene.crowell@responsiblelending.org.

This post originally appeared in The Washington Informer.

Continue Reading
Click to comment

Leave a Reply

Your email address will not be published. Required fields are marked *

#NNPA BlackPress

Smooth Ride! Car Suspension & Comfort Tested #shorts

Smooth suspension meets surprisingly spacious legroom. Experience true comfort on any road!

Published

on

Car suspension test demonstrating a smooth ride, comfort features, and handling on various terrains.

Experience the difference smooth suspension makes on rough streets. Check out the surprisingly good second-row legroom – test it yourself for true comfort.

🔗 Watch the full video: https://youtu.be/l9Z571za5Gc

#AutoNetwork

Continue Reading

#NNPA BlackPress

61 years since Selma, Houston leaders say the bridge remains to be crossed

61 years after Selma, Houston leaders say the fight for equality continues. The issues that sparked the marches still impact Black Americans today.

Published

on

Houston leaders discuss the ongoing struggle for civil rights 61 years after Selma, emphasizing the need for continued action.

It has been 61 years since the Selma marches. But political leaders in Houston say that the issues protesters were marching for still plague the lives of Black Americans.

Visit Our Website

Home – updated

Read more stories by our team
https://defendernetwork.com/category/news/opinion/

Sign-up for the Top 5 newsletter

Defender Newsletters

Donate/ Support Our Work

Contribute to the Defender Network

Continue Reading

#NNPA BlackPress

Here is what you need to know about finding unique white elephant gift ideas that everyone wants to steal

The best white elephant gift ideas are funny enough to get a reaction but useful enough that people actually want to steal them. Look for gifts with a surprise factor, broad appeal, an inside joke, and just enough personality to spark some friendly competition. The wrapping paper comes off, the room goes quiet for half […]

Published

on

e204f0d0beb99c83b766df4be601c056

The best white elephant gift ideas are funny enough to get a reaction but useful enough that people actually want to steal them. Look for gifts with a surprise factor, broad appeal, an inside joke, and just enough personality to spark some friendly competition.

The wrapping paper comes off, the room goes quiet for half a second, and suddenly everyone wants the same gift. That is the sweet spot. A great white elephant pick should make people laugh, lean in, and start plotting their next steal before the turn is even over.

Should a White Elephant Gift Be Funny or Useful?

A white elephant gift can be funny or useful, but the strongest choices usually give people a reason to laugh and a reason to keep the item. A practical gift with an odd design, unexpected feature, or playful theme can get a reaction without becoming something the recipient immediately wants to give away.

The right balance depends on the group. Close friends and family members may enjoy a ridiculous gag gift because they already understand one another’s sense of humor.

A workplace exchange, neighborhood party, or mixed-age gathering usually calls for something with broader appeal. In those settings, humor works better when it is built into an item people could still use afterward.

It also helps to think about how quickly the gift will make sense once it is opened. A strangely shaped kitchen tool, oversized mug, quirky desk accessory, or unexpectedly fancy everyday item can create an immediate reaction. Guests understand the joke right away, while the item still has enough practical value to attract a steal.

Pure gag gifts can be harder to pull off. Something that exists only for the punchline may get a big laugh during the reveal and then sit untouched for the rest of the game. If the goal is to bring one of the gifts everyone keeps fighting over, usefulness gives the joke staying power.

Memorable Present Ideas: Creating Inside Joke Gifts

Inside joke gifts can make a white elephant exchange feel much more personal, especially when most of the group shares the same stories. The trick is choosing a reference that people will recognize quickly instead of building the entire joke around something only two guests understand.

You can turn a memorable vacation mishap, office catchphrase, family story, or long-running group joke into the theme of the gift. A personalized comic book can work especially well when it turns familiar people or a ridiculous shared moment into part of the story. 

Think carefully about who the joke involves before ordering anything permanent. The gift should make the person feel included in the fun, not singled out for the wrong reason.

Can You Bring Something You Already Own?

Holiday gift exchanges can be a good place to re-gift something you never used, especially if it is unopened and clean.

The following can all work if they still look presentable:

  • A duplicate kitchen gadget
  • An untouched game
  • A decorative item
  • A sealed gift set 
  • An unopened candle
  • A new travel accessory

The goal is to give the item a second chance, not use the exchange as an excuse to clear out damaged or unwanted clutter.

Take a close look at the packaging before wrapping it. Faded boxes, missing pieces, visible wear, or anything that looks obviously used can make the gift feel careless. 

Wrapping Budget-Friendly Gifts

Wrapping can make gifts more entertaining before anyone even knows what’s inside.

Misdirection works especially well for fun party games. Put a small gift inside a much larger box. Use packaging from an unrelated household item.

Add harmless weight so guests cannot guess what they are holding. The reveal becomes part of the joke without changing the gift itself.

You can also lean into the theme of the exchange. Bright paper, oversized bows, reusable bags, or deliberately over-the-top wrapping can make an ordinary item feel more memorable. If the gift itself is already funny, simple wrapping may work better so the surprise stays hidden until the last second.

Frequently Asked Questions

Is Picking Last an Advantage in White Elephant?

Picking last can be an advantage because you get to see almost every gift before making your move. Instead of choosing blindly from the remaining wrapped presents, you can steal something that has already caught your attention if the rules still allow it.

That advantage depends on the house rules. Some games limit how many times a gift can be stolen.

Others lock an item once it reaches a certain number of steals. If the most popular gifts are already unavailable, the final player may have fewer strong options than expected.

The first player can also get another turn at the end in some versions of the game. That rule can balance things out, since the person who started with the least information may get one final chance to steal.

How Do You Plan White Elephant for a Large Group?

For a large white elephant exchange, set a firm spending limit and establish the stealing rules in advance.

Create a clear turn order before the game begins. Drawing numbers as guests arrive can save time once everyone is ready to start.

Keep the number of steals per gift limited so the game does not drag on. It also helps to have one person track which creative holiday presents have been stolen and when they are locked, especially if dozens of people are participating.

Can You Play White Elephant Virtually?

A virtual white elephant exchange can work over a video call, with one person keeping track of the turn order and each steal. Guests can either mail physical gifts ahead of time or use digital gifts that can be delivered once the game ends.

Set the spending limit and stealing rules before everyone joins. It also helps to decide how gifts will be revealed and who is responsible for sending each one afterward so the exchange does not become confusing.

Choose a Perfect White Elephant Gift in a Snap

Look for a white elephant gift that fits some of these criteria, and everyone will be trying to grab it at your next celebration.

Do you need more gift-giving tips and tricks? Make sure you read some of our other posts.

Continue Reading

Subscribe to receive news and updates from the Oakland Post

CHECK OUT THE LATEST ISSUE OF THE OAKLAND POST

ADVERTISEMENT

Facebook

File photo.
Economy7 days ago

How the Sandwich Generation Can Help Protect Aging Parents’ Finances

Barbara Lee. File photo.
Education7 days ago

As Progressive Democrats Celebrate ‘Blue Tsunami,’ Oakland Counts Victories

“We’re so proud,” said Mayor Barbara Lee who donned a violet wig on Wednesday at a rally honoring the Golden State Valkyries as the team celebrated its historic 2026 WNBA Championship in Oakland. Photo courtesy of NBC.
Community7 days ago

Golden State Valkyries Become Bay Area Legends Winning WNBA Championship on Halloween Night

Marcia Ann Gillespie. Facebook photo.
Black History7 days ago

IN MEMORIAM: Marcia Ann Gillespie, Editor of Essence and Ms. Magazines, Dies at 82

Some of the Congressional Women of the Year. Photo courtesy of Congressmember John Garamendi's office.
Black History7 days ago

U.S. Rep. John Garamendi Honors local ‘Women of the Year’ at Annual Awards Ceremony

A pantry at 34th street and Roosevelt avenue in Richmond. Photo courtesy of Achala Jayagoda.
Community7 days ago

Richmond Neighbors Put Pantry Power on the Map

Cutting the ribbon at the California Chamber of Commerce (CHCC) last month were CHCC Northern Region Director Mayra Perez, Aliza Gallo, Oakland Latino Chamber President CHCC Foundation Chairman David Betancourt, CHCC Madam Chair Veronica Corona, CHCC President & CEO Julian Canete and CHCC Northern Region Chair Leo Callejas. Courtesy photo.
Business7 days ago

Oakland Latino Chamber of Commerce Hosts Statewide Convention, Generating $3 Million in Economic Impact

Keisha Lance Bottoms during her 2026 Democratic gubernatorial primary victory speech. Photo: Sikis2021 / Wikimedia Commons.
Uncategorized1 week ago

HISTORY MADE: Keisha Lance Bottoms Becomes First Black Woman Elected Governor in American History

Keisha Lance Bottoms during her 2026 Democratic gubernatorial primary victory speech. Photo: Sikis2021 / Wikimedia Commons.
Black History1 week ago

HISTORY MADE: Keisha Lance Bottoms Becomes First Black Woman Elected Governor in American History

Annette Henry. Photo by Mario Decuir.
Black History1 week ago

Five Hospitals Said No! Who Will Help Annette Henry Recover?

Danielle Motley-Lewis, president of BWOPA’s Oakland/Berkeley chapter.
Uncategorized1 week ago

Oakland NAACP, BWOPA Speak Out Against Alleged Harassment of Black Women Political Leaders

Commentary1 week ago

COMMENTARY: Oakland’s Black Students Have Gained Ground: We Shouldn’t Stop Now

Jamale Carlyle had a long career working for power companies before embarking making his grilling hobby into a business. Courtesy photo.
Black History1 week ago

From Backyard Grilling to Jack London Square: Jamale Carlyle’s Chicken Wing Success Story

California state workers staged a one-day strike Oct. 21 to protest alleged unfair labor practices and stalled contract negotiations over wages, remote work requirements and health care costs. The workers' previous contract expired June 30. CBM photo by Antonio Ray Harvey.
Business1 week ago

SEIU Local 1000 and State of California Will Continue to Negotiate New Labor Contract

AI-generated file photo.
Commentary1 week ago

OPINION: We Can Restore Checks and Balances on Trump

Trending

Copyright ©2021 Post News Group, Inc. All Rights Reserved.