The Private Enforcement Initiative provides complaint intake for allegations of housing discrimination and professional housing discrimination testing to develop sound evidence needed to substantiate complaints of alleged housing discrimination.

This initiative provides legal support to victims of illegal housing practices by enlisting private law firms to contribute their services as FHC Cooperating Attorneys, on a contingency or pro bono basis, for litigation or settlement of discrimination cases. Provides referrals and continuum services. In addition, this initiative provides Testing Programs for lending institutions, real estate, and rental management professionals.

The Education and Outreach Initiative is designed to provide Private Housing Industry Providers, Public Housing Authorities, and Community Development Corporations with the most current information and technical assistance necessary to fully comply with fair housing laws, consent decrees, enforcement agreements, Community Reinvestment Act (CRA) regulations and affirmative marketing requirements for the elimination of institutional barriers to decent affordable housing.

Community and Civic Education Sessions are implemented to ensure that the general public, protected classes, new immigrants, traditionally underserved and disadvantaged groups become knowledgeable of fair housing laws and means available to seek legal redress. The FHC works in partnership to conduct First Time Home Buyer Seminars to assist low to moderate income persons in building a tool box to succeed in their quest to acheive the American Dream of homeownership.

The FHC monitors the electronic and print media for compliance to fair housing advertising guidelines and implements mass media compaigns to provide public service announcements (PSAs), newspaper advertisments, informative articles and participates in television and radio talk forums. FHC Legal Community Seminars offer practitioners training in fair housing litigation skills.

The Housing Counseling Initiative is designed to widen housing choices and support the promotion of culturally diverse and open communities, which is the heart of our democracy. The initiative provides information concerning Affordable Housing opportunities through First Time Home Buyer Seminars, Rental Referrals, Mobility Counseling and continuum services.

The Predatory Lending Education and Support Initiative provides seminars for community based organizations, civic and faith-based groups, Condo/Homeowner Associations to inform them about Predatory Lending, and Fair Lending under federal, State laws. The Project operates a toll free hotline, utilizes a public information campaign featuring PSA's via media outlets, and distributes Anti-Predatory Lending educational materiel in order to heighten public awareness.

Where the homeowner/borrower has been identified as a victim of predatory lending and has serious credit problems as a consequence of the loan, including delinquencies on their current mortgage, collection accounts, pending foreclosures and other late payments, the initiative permits the delivery of loans for victimized borrowers in order to facilitate affordable, lower interest rate loans. which enables them to safe their homes. 

Borrowers currently in foreclosure or bankruptcy may be eligible, provided these proceedings are attributed to predatory lending. Property types include owner-occupied units (primary residents), single-family homes including condominiums, townhouses and duplexes. Please note that all loans are contingent on availability of funds.

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