Fair Housing and You


What does Fair Housing mean?


Fair housing means all persons have equal opportunity to be considered for rental units, purchase of property, housing loans, and insurance.


Has any of these situations happened to you?

· You found an advertisement for an apartment that sounded right for you. You called the number given and learned the apartment was still available. You scheduled an appointment and went right over. When you arrived in person you were told, "Sorry, the apartment was just rented."

· When looking for a home to purchase, the real estate salesperson keeps showing you homes only within a particular neighborhood. The agent also makes statements such as, "We feel this area would be right for you," or "We're sure you wouldn't be happy in that neighborhood."

· You called about an apartment. When you told the manager that it was for you and your small child, she replied, "This is a second floor apartment with a balcony. It just wouldn't be a good place for a child."

· You applied for a mortgage to purchase a house. While you have had some financial problems in the past, you now have sufficient income and a good credit record. The bank says you don't meet their qualifications.

· You are purchasing a home and want to buy homeowner's insurance. The agent tells you that they don't write policies in your part of town.

· You are blind and have a guide dog, but the apartment manager won't rent to you because of a "no pets" policy.

· You inquired about an apartment to rent and were quoted a higher rent or deposit than you know other tenants are expected to pay.


If these, or similar situations have happened to you, you may be a victim of housing discrimination.


What can you do if you believe you may have been discriminated against?


· Contact the Iowa Civil Rights Commission to find out about filing a housing discrimination complaint. An intake officer will assist you with information and, if you have grounds to file a complaint, will send you complaint forms and instructions. There is no charge for the Commission's services. The Commission will also cross-file your complaint with the U.S. Dept. of Housing and Urban Development (HUD) to protect your rights under the federal law.

· A complaint must be filed with the Commission within 180 days of the alleged discriminatory incident. A complaint can also be filed with HUD within one year, or a private court action can be filed within two years.


Contact the Commission:

Iowa Civil Rights Commission

Grimes State Office Building

400 East 14th Street

Des Moines, IA 50319-1004

515-281-4121 or 800-457-4416

515-242-5840 FAX


Office hours are 8:00 a.m. to 4:30 p.m., Monday through Friday. You may leave a phonemail message at any time for a call back during office hours.


What happens after a complaint is filed?


A complaint is filed when received in writing by the Commission.The person or company against whom the complaint is filed will be notified of the complaint, and will be given an opportunity to respond.

The complaint will be assigned to an investigator, who will conduct an impartial and thorough investigation. Witnesses are contacted and relevant records are examined. The parties may also be offered an opportunity to negotiate a voluntary, no-fault settlement.

After the investigation, an administrative law judge will determine probable cause (discrimination probably occurred) or no probable cause (discrimination probably did not occur). If the decision is no probable cause, the complaint is dismissed.

Following a probable cause finding, the parties may elect to have the dispute resolved in district court, or in a public hearing before the Commission.


What laws protect you from housing discrimination?


Local: Many cities have local civil/human rights commissions prohibiting housing discrimination. Contact your local city hall for information.


State: The "Iowa Civil Rights Act" (Iowa Code216) prohibits housing discrimination based on race, color,sex, religion, national origin, mental and physical disability and familial status (presence of children in the home).


Federal: The federal Civil Rights Act of 1866 prohibits discrimination in housing because of race or color. The Civil Rights Act of 1968, Title VIII, and The Fair Housing Amendments Act of 1989 prohibit discrimination in housing because of race, color, sex, religion, national origin, handicap and familial status.

Familial status, or presence of children in the home, protects families with children under 18 years of age. Also protected are families seeking custody of a child or expecting the birth of a child. There is only a narrow exception to this part of the law: units designated as "housing for older persons."

Property owners are required by the law to allow reasonable modifications to a property (at the tenant's expense), and to make reasonable accommodations in policies in order to accommodate the needs of persons with disabilities.


What services are available from the Commission?


The Commission receives, investigates and resolves complaints alleging discrimination in the areas of employment, housing, public accommodations, credit and education.

The Commission can provide speakers and programs on civil rights topics, including fair housing. Also available are free publications,and a lending library of videos on civil rights issues.

The Commission conducts testing of landlords, businesses, and employers to study the nature and extent of discrimination in Iowa, and to determine if the civil rights laws are being followed.

The Commission works with communities around the state to form Community Diversity Appreciation Teams. A Team will work on diversity issues and problems within that particular community in order to fight discrimination and to respond to hate crimes.

The Commission also promotes the use of Study Circles, small discussion groups, on race relations.