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Stakeholder Analysis, Solution, and Conclusion: Housing Discnimination Introduction Discniminatory practices that prevent someone from being able to buy or rent a home are referred to as housing discrimination. When someone 1s denied the opportunity to apply for housing or rent a home because of their race_ national origin, color, religion, marital status, or sex, it 15 called racial discnimination. A 1917 Supreme Court decision states that discrimination of this kind 1s prohibited, and those who engage in 1t risk legal consequences. Discrimination became a long-term phenomenon with the creation of social, economic, and political orgamizations in the early 20th Century. Manv people were unable to rent or buy a home duning this time because of their sexual orientation, religious beliefs. or other ethnicity. The ability to shed light on the consequences of discrimination in housing makes the subject worthwhile. Concentrated poverty 1s the result of discrimination in housing. Poor-quality housing puts people's lives on hold. Due to discrimination m housing, renting properties in poor condition 1s a standard option for those unable to acquire better housing. These poor conditions of housing usually interfere with people's daily lives and hinder their progress. People are discouraged from starting a new life when treated with such disrespect. Getting better homes and living conditions 1s the goal of many people's work (Asplund =t al., 2018). Many people who are victims of discrimination can become discouraged from seeking a better living situation. Ecological discrimination refers to the practice of disproportionately situating ecological hazards, such as toxic waste sites or polluting industries, in areas populated bv marginalized communities, often racial minorities or low-income groups (Wright, 2021). Environmental racism 1s exacerbated by prejudice in housing because those who have experienced ecological racism are more likely to have poor health since environmental racism 15 harmful (Kaufman & Hajat, 2021). stakeholder Analysis, Solution, and Conclusion: Housing Discimination school segregation in our country. Our efforts to eradicate racial segregation in neighborhoods will be ineffective without this understanding (Silver & Danielowski, 2019). In addition to highlighting how the government contributed to the segregation of the country, educators should provide their students with information about residential segregation. Before legislation can be introduced that can end racial residential segregation, Americans must have a shared understanding of how the nation has divided racial groups. To illustrate, consider one of the most popular textbooks 1n American high schools, which has onlyv one sentence discussing racial segregation in housing in northern states. The purpose of this sentence 1s to hide the reasons for the split subtly (Jargowsky & Fletcher, 2019). Second, 1t 15 necessary to outlaw closed zones and establish inclusive zones. Assume that racial residential segregation will no longer occur. In this scenario, 1t 1s possible to repeal zoming laws prohibiting multifamily buildings and requiring large lotstwo practices often based on race. Homeowners who live in despotic neighborhoods or places that do not accommodate low- and middle-class families may additionally be able to eliminate the mortgage interest deduction. One such 1s the Fair Share Act, which mandates state and local government's racial and economic integration, proposed by a law professor in 1993, Finally, the best alternative 1s to repeal discnminatory laws. Amending discrimination laws 13 one way to begin this process. This goal requires raising awareness of prejudice, educating the public about rights, organizing support, and using the justice svstem. Under the current ban, developers could build single-family homes, townhouses, and modest apartment buildings in predominantly white suburbs (Eeece, 2021). While the lawmakers could implement several programs, they cannot do so unless they recognize the extent to which the government was initially responsible for promoting segregation. L Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination Conclusion The term housing discrimination also describes unfair practices that prevent individuals from buving or renting homes of their choice. Environmental racism and concentrated poverty are just two of the many harmful effects of housing discrimination, according to the study. The study included an analysis by researchers of policies and programs designed to combat this tvpe of discrimination. The Fair Housing Act prohibits evictions based on housing discrimination. Sexist, racial, and religious discrimination in housing are among the topics coverad in this study, along with 1ts historical background. The organization educates future Americans about racial discrimination in residential areas and guarantees the continuation of segregation by investing 1n economically struggling, racially divided neighborhoods. Feliable information regarding ongoing shifts in the leasing and sales markets and attitudes toward residential diversity 1s essential for policymakers and fair housing professionals. People should be well informed about other elements contributing to neighborhood inequality and segregation. These include fear, stereotypes, local regulatory policies, and information gaps. By putting these concepts into practice, inclusive, high-opportunity communities that offer residents excellent emplovment and educational resources can grow and survive. Stakeholder Analysis, Solution, and Conclusion: Housing Discrimimnation Problem Statement In the US, housing discrimination has been a sigmificant problem for nearly fifty vears since enactment of the Fair Housing Act. Despite the passage of the Fair Housing Act 1n 1968, injustices related to the right to fair housing still exist. When someone's ethnicity, marital status_ or skin color prevents them from renting or owning property, this 1s housing discrimination. Discrimination in the housing industry takes many forms and can manifest itself in different areas. These include home insurance, mortgages, property purchases, and rentals. Because of factors including race, religion, national origin, and disability, the Fair Housing Act protects against discriminatory actions in the advertising sector, as well as against discriminatory policies and harassment by homeowners and condominium associations (Massey, 2015). Affected Groups Nearly every state in the US rental market has a great deal of housing discrimination. Pervasive housing discrimination has a detrimental impact on the housing outcomes of Hispanic and Black American renters in the US. Tenants file the most common types of discrimination complaints. According to National Fair Housing Coalition data, fair housing organizations handled 15,795 of 20,860 rental complaints in 2020. They reported 7265 % of rent complaints 1n 2020, down from 83.75 % 1 2019 In 2020, there were 747 housing discimination complaints related to real estate sales representing 2 60 % of all complaints (Foggo & Villasenor, 2020]). Political, Legal, and Regulatory Requirements The 1968 Civil Bights Act, approved by Johnson in April, carried over legislation from 1964. Civil rights workers would have been subject to federal law when the bill was first introduced. Racial discrimination was included in the law through a subsequent revision. Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination Generally, Title VIII of the proposed Civil Rights Act has been interpreted as the Fair Housing Act. Favoritism founded on national origin and gender was legal regarding home sales, rentals, and financing. Kegardless of national origin_ disability, color, sex_ or religion, everyone is guaranteed fair housing under the Fair Housing Act of 1968 (Evan et al., 2019). The research done 1n 2012 (Turner et al., 2013), concluded that despite their qualifications to buy or rent property, minorities continue to experience discriminatory behavior from landlords, such as no-appointment procedures. In general, compared to Whites, Latinos, African Amernicans, and Asians are shown and recommended less affordable homes and apartments by owners and real estate agents. Using available data_ the research aims to explore the full extent and severity of discrimination 1n housing. Additionally, the discussion will include a review of the provision on anti-discrimination in the Fair Housing Act of 1968 (Ross, 2003). Literature Review Many people of color today believe discrimination in the housing market directly results from decades of discriminatory policies. More than three-quarters of Americans believe adequate housing 15 a human right, and two-thirds think they should expand government programs to guarantee this right. Minorities have historically suffered from the outside influence of real estate interests over national housing policy (Tavlor, 2018). Historically, segregation has been a traditional practice imposed by state, local, and federal housing policies. The Federal Housing Administration, which originated in 1934 has increased segregation efforts by refusing to insure mortgages in and near African American neighborhoods (Egede et al., 2023). The policy 1s known as redlining (Swope et al | 2022). Additionallv, the Federal Housing Administration was subsidizing builders who were building white subdivisions with the condition that thev should sell none of the homes to people of color (Fair Housing Act, 2023). Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination According to the Federal Housing Administration, the home values of the white homes they insure would decline if people of color bought homes in these suburbs or even near these suburbs. As such, their mortgages could be at risk. It was clear that this claim was unsupported by the Federal Housing Administration. Due to the limited housing supply 1n areas with predominantly white populations and the little choice for people of color, property values rose when people of color tried to buy homes 1n all-white or primanly white neighborhoods. In other words, the Federal Housing Administration never relied on a study to justify its actions (Fair Housing Act, 2023). In the 1930s, the government developed maps of every metropolitan area of the country, which were called redlining. Maps were color-coded by the Homeowners Loan Corporation, then by the Federal Housing Administration, and then by the Veterans Administration, with specific colors indicating where mortgages were safe for insurers to insure (Fair Housing Act, 2023). People of color were disqualified from obtaining federally subsidized mortgage insurance due to FHA officials utilizing risk-rating standards. The deleterious effect of this practice essentially preclude people of color from obtaining their most important wealth- generating asset: a single-family home (Wiggins, 2020). In areas where people of color lived or even nearby, red paint was used to underscore to appraisers that such communities were too risky to insure. The Federal Housing Administration's Underwriting Manual stated that groups of people of incompatible races should not live 1n the same communities. As a result, loans to people of color could not get insured. In Detroit, for example, the Federal Housing Administration would not approve the development plan unless the developer built a 6-foot-high cement wall separating his development from the nearby black neighborhood to prevent people of color from entering (Fair Housing Act, 2023). Most housing discrimination today occurs during rental transactions, even though renters need affordable Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination housing more often than homeowners. Nevertheless, local, privately operated fair housing agencies handled almost 70 percent of all complaints (NFHA, 2019). Approximately 25 percent of Fair Housing Assistance Program complaints were taken by agencies, according to a 2009 study (NFHA, 2019). The National Fair Housing Alliance recommends the federal government increase federal funding for fair housing efforts 1 local eliminate housing discrimination. Government agencies and the Department of Housing and Urban Development should enforce the Fair Housing Act more aggressively (NFHA, 2019). As of 1974, the Fair Housing Act included protections for women and, in 1988, protections for children, families, and people with disabilities. Also added was a new complaint process and strengthened penalties for the Fair Housing Act violations (Fair Housing Act, 2022). While federal policies seek to de-segregate housing, the United States has made only modest progress. The pace of desegregation has been quite uneven, and 46 vears after the passage of the Fair Housing Act, manv metropolitan areas remain just as segregated as they were i 1968 (Massey, 2015). Problem Development Currently, there are three reasons why housing quality 1s poor. After thev spread to the newest arrivals in northern cities, the colored people were usuvally older and used. Residential segregation caused citizens to be concentrated in a small number of closely spaced neighborhoods, exacerbating the precarious state of the city. Finally, landlords had no obligation to raise housing standards because people of color did not have access to a variety of housing options. Minorities, including blacks, were a captive market with limited opportunities. Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination The construction of luxury suburbs, the value of which was primarily based on their separation from predominantly colored neighborhoods and the exclusion of people of color, was heavily subsidized by the government. White suburban neighborhoods have become increasingly expensive for families due to the real estate industry's drive to extract value from them. Along with racism, profit was the driving force behind the division of white neighborhoods and colored neighborhoods. In the 1960s, whites began to move to the suburbs. The cities they left behind saw a significant economic shift due to their departure. Differences in race or color often led to this type of discrimination (White et al., 2021). When searching for homes, Asian, African Amencan, and Hispanic renters can meet with agents on the same basis as white renters. However, during the Department of Housing and Urban Development meeting, they reported 4.2 percent fewer apartments occupied by African Americans. Compared to whites, 6.6 percent fewer rental units were available for Hispanics, a decrease of 12.5 percent. Asians are 15.5 percent less likely than whites to be informed about home-buying options, while African Americans are 7 percent less likely to be reported than whites. However, there are plenty of racist homeowners out there, including homeowners. This 1s why they are afraid to rent their homes to certain racial or colored groups. They fear these people are not worthy of renting or living 1n their homes or do not belong there (Reina & Aiken, 20217 The owners often come up with justifications for the victims not to rent their property. This tvpe of discrimination 1s heinous, and the victim may not be able to file a lawsuit under the Fair Housing Act. Racial favoritism in housing has historically been a common complaint of residents. Racial discrimination in housing has traditionally been a common complaint of residents. Disabled people are protected by the Fair Housing Act, which forbids favontism Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination against them depending on their national origin, sex, color, race, or religion. Disability affects about 57 million people in the US (Faber, 2018). Another problem 1s apartheid based on religion. When a property owner or landlord feel uncomfortable with a particular religion, a problem arises. They do not have to agree with that; in that case, they do not rent their houses to followers of a particular religion. Depending on their Hindus,_ are mostly affected by this form of discrimination. Landlords usually have trouble renting to these people because they are hard to rent. As a result, victims of religious discrimination cannot win their case against this discrimination type under the Fair Housing Act compared to other groups, such as race or gender, this group experienced less discrimination (Steil et al.. 2018). Gender differences also lead to diserimination. It 1s often related to sexual harassment. Women are mainly affected. Sexual harassment in the home usually stems from this tvpe of prejudice. Most of the women in these circumstances are impoverished widows unable to support themselves. They also lack the means to take care of themselves. Moreover, thev do not have the means to take care of themselves. These women are primarily defenseless. All these ladies have no choice but to put up with sexuval harassment or pack up their families and leave their homes. This kind of discrimination often leads to health problems. This type of discrimination 1s prohibited under the Fair Housing Act. National origin 15 also a factor in housing discrimination. This type of discrimination 1s based on the nationality of the victim. Many landlords and property owners believe that victims should not be allowed to own or rent a home because they are citizens of another nation (Rosen Il Stakeholder Analysis, Solution, and Conclusion: Housing Discrimination etal, 2021). The most frequently discriminated groups are Eastern Europeans, Southeast Asians, and African Americans. Racism canses powerful landowners to discriminate against them. They see these groups as inferior and unworthy to live 1n their homes, whether they own or rent them. Therefore, the Equal Credit Opportunity Act or the Fair Housing Act can be used as legal avenues for victims of this type of discrimination (Massey, 2020). Disabality also affects discrimination 1n housing. These people are not considered eligible to acquire or rent real estate. In this context, disability includes a range of conditions, both mental and physical, such as hearing iunpairment. It 13, therefore, 1llegal to discriminate against those who have this kind of disability. The Disability Rights Section enforces this ban. Stakeholders Analysis There are many different parties involved in the 1ssue of housing discrimination. Other significant parties involved in housing discrimination include the Disability Rights Organization for Sustainable Development, Community Development Agencies, and the Equal Credit Opportunity Act. They have worked so hard to ensure that rules prohibiting discrimination 1n housing apply to people based on their sex_ ethnicity, color, religion, and disability. Disability organizations for sustainable development have gone bevond preventing discrimination against individuals with disabilities, including sight, hearing, and walking limitations. However, the Disability Stakeholder Group 1s working to increase the opportunities people with disabilities can access. The groups represent non-governmental, governmental, and other groups that support people with disabilities. Make sure that their inclusion in sustainable development 1z accepted uniformly. They would usually be classified as primary stakeholders (Gusmao et al | 2020). stakeholder Analysis, Solution, and Conclusion: Housing Discrimination The National Fair Housing Alliance and the Equal Credit Opportunity Act Loan Corporation are two other stakeholder groups. Therefore, the Federal Trade Commission and other agencies enforce a federal law prohibiting discriminatory lending based on characteristics unrelated to the ability of an individual to repay the loan. You are legally protected from discrimination when dealing with a credit provider. Credit unions, credit cards, department stores, banks, and smaller financial organizations are included. This policy applies to all parties to grant credit or set the terms of credit (Ondrade, 2022). The National Fair Housing Alliance Housing Discrimination 13 works to end housing discrimination and guarantee fair housing opportunities through leadership, advocacy, education, member services, and public policy activities. Each study shared the finding that neighborhoods with high minority populations were less likely to be considered dangerous areas (Reina & Aiken, 2021). Solutions The best approach to solving the problem of housing discrimination in the US 1s to act quickly. The first approach 1s to recognize de jure segregation and educate voung people about racial segregation 1n neighborhoods. Second, two feasible solutions exist: banning discriminatory zoning and changing discriminatory legislation. Third, one viable alternative 1s to change discriminatory legislation. Eecognizing formal segregation and educating voung people about it 15 the first step to eliminating race-based discrimination 1n neighborhoods. Residential segregation 1s de jure, stemming from racially motivated and explicit official policy according to historical evidence (Evans et al | 2019). In other words, the Constitution and laws of the United States have been violated by a history of blatantly racist public policy. Relearning how residential segregation is caused by racially motivated public policy 1s the first step to ending