On October 31, 2023, the NY AG Letitia James released a report detailing racial disparities in homeownership and financing throughout NY while calling to enhance the state's anti-discrimination law, the New York State Human Rights Law (NYSHRL). 

The Report highlights that mortgage applicants of color are denied mortgages at nearly double the rate of white applicants, regardless of credit score, income, size of the loan, and other factors. Plus, they are more likely to be charged higher interest rates on their loans and less likely to be approved to refinance to lower rates. These higher costs total over $200 million extra to minorities. 

The Report calls for the strengthening the NYSHRL to explicitly cover disparate impact discrimination based on race, including increased enforcement against lenders. In fact, it has a 3 step plan:  

1. Obtain increased $$ for government agencies to conduct fair lending work.
2. Strengthen NYSHRL to prohibit lenders from engaging in discrimination any practice by requiring lenders to have a legitimate and nondiscriminatory justification for their actions. 
3. Passing Senate Bill 795 to prohibit unfair business practices. 

If you'd like to read more about the report click here.

On May 25, 2022, the NYS Division of Human Rights proposed 9 NYCRR 466.16, which will require any entity that administers any public housing program or assistance to provide a detailed notice of rights from source of income discrimination. The enabling statute, Executive Law 170-e, explains that an entity that administers includes "any state, county, municipal or other governmental entity. . . or any agency or instrumentality of such an entity, and any public or private non-profit entity authorized to administer any public housing program or assistance."

Specifically, "[t]he notice is to advise individuals of their right to nondiscrimination based on lawful source of income in housing pursuant to Human Rights Law section 296.2-a (publicly-assisted housing) or Human Rights Law section 296.5 (private housing)" pursuant to the regulation. 

The notice must be provided as follows:

• Current recipients must receive notice within 30 days after the effective date of the regulation;
• Future recipients must receive notice "upon notification such individual qualifies for the voucher or assistance"; 
• "In writing, and in 14 point... font";
• Electronically is permissible by a link to the notice; &
• On all websites administered by the entity. 

KNOW YOUR LEGAL RIGHTS AS A RECIPIENT OF HOUSING ASSISTANCE

By law, you are protected from housing discrimination.

As of 12/21/2021, all state agencies administering housing programs or enforcing housing laws and all localities administering housing programs and receiving funds from the state for such activities are now required to affirmatively further fair housing.

What this means is that the state and local governments will actively seek to create more diverse, inclusive communities. They will do this, according to the new law (S1353A), by:

1. Identifying and overcoming patterns of residential segregation & housing discrimination;
2. Eradicating racially or ethnically concentrated areas of poverty;
3. Reducing disparities in access to opportunities;
4. Eliminating disproportionate housing needs;
5. Providing the public reasonable & regular opportunities to comment on fair housing issues & participate in the development & advancement of affirmative fair housing policy; &
6. Encouraging & maintaining compliance with Article 15 of the Executive law & any other applicable anti-discrimination or fair housing law.