Which law protects against discrimination due to a physical or mental disability in housing?

The Fair Housing Act (FH Act) is the law that specifically protects individuals from discrimination in housing based on several factors, including physical or mental disabilities. Enacted in 1968 and amended later, the FH Act makes it illegal for landlords, real estate agents, and other housing providers to refuse to rent or sell housing to someone because of their disability status. It also requires that reasonable accommodations and modifications be made to ensure that people with disabilities have equal opportunities to access housing.

Understanding the protections offered by the Fair Housing Act is essential for mortgage loan officers as it impacts lending practices and ensures adherence to fair housing principles. This knowledge helps to foster an inclusive housing market where individuals can secure housing opportunities without facing discrimination due to their disabilities.

The other options listed refer to different regulations that, while important in their own contexts, do not specifically address discrimination based on disability in housing. For instance, the Truth in Lending Act primarily focuses on making sure borrowers are informed about the terms and costs of credit, while the Home Mortgage Disclosure Act deals with transparency in mortgage lending practices. The Graham-Leach-Bliley Act primarily pertains to the protection of consumers’ personal financial information.