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Credit, Housing Discrimination

Emotional Distress Damages After Latest Supreme Court Decision

This article explains why an April 28, 2022, Supreme Court ruling concerning the unavailability of emotional distress damages applies only to four federal discrimination statutes, links to practice tips when otherwise seeking emotional distress damages, and considers whether emotional distress alone is sufficient for federal court constitutional standing.

Twelve Reasons to Bring Reverse Redlining Claims Against Predatory Lenders

This article provides 12 reasons for bringing reverse redlining claims against predatory lenders, under the Equal Credit Opportunity, Fair Housing, and/or Civil Rights Acts. Reverse redlining targets predatory practices at communities of color or other protected groups, whether or not better terms are offered elsewhere. Recent cases bringing reverse redlining claims are included.

Credit Discrimination Statutes Offer Underutilized Consumer Remedies

A September 3, 2020, HUD action to limit Fair Housing Act disparate impact claims underscores the underutilized power of credit discrimination statutes to remedy marketplace misconduct affecting communities of color and other vulnerable consumers. This article describes the power, broad scope, and varied applications of federal and state credit discrimination statutes, and also sets out the implications for consumer lawyers of the HUD rule change.