Which entity is primarily responsible for enforcing mortgage discrimination laws?

The entity primarily responsible for enforcing mortgage discrimination laws is the Department of Housing and Urban Development (HUD). HUD plays a central role in promoting fair housing practices and ensuring that individuals are not discriminated against in housing-related transactions, including obtaining mortgage loans. Under the Fair Housing Act, HUD has the authority to investigate complaints, conduct research on housing discrimination, and implement policies aimed at eliminating discriminatory practices in the housing market.

Additionally, HUD oversees various programs and policies designed to dismantle barriers to homeownership and increase access to housing for all individuals, regardless of race, gender, or other characteristics. By enforcing these laws, HUD ensures compliance and promotes an equitable housing market, contributing to the overall goal of fair treatment in mortgage lending.

While Fannie Mae, the Federal Housing Administration, and the Consumer Financial Protection Bureau all play significant roles in the housing finance system and consumer protection, their primary objectives differ from the specific enforcement of mortgage discrimination laws handled by HUD.