National Fair Housing Alliance

PURPOSE: THE NATIONAL FAIR HOUSING ALLIANCE (NFHA) WILL USE ITS GRANT TO FUND A 36-MONTH FAIR HOUSING ORGANIZATIONS INITIATIVE-ESTABLISHING NEW ORGANIZATIONS COMPONENT PROJECT IN THE MEMPHIS, TENNESSEE, METROPOLITAN REGION. NFHA WILL ESTABLISH A NEW, FULL-SERVICE, PRIVATE NON-PROFIT FAIR HOUSING ORGANIZATION, THE FAIR HOUSING COUNCIL OF METROPOLITAN MEMPHIS (FHCMM). THE FHCMM WILL BE THE ONLY FULL-SERVICE FAIR HOUSING ORGANIZATION PROVIDING TESTING, INVESTIGATION, AND ENFORCEMENT SERVICES IN THE MEMPHIS METROPOLITAN AREA.; ACTIVITIES TO BE PERFORMED: NFHA PLANS TO RECRUIT, APPOINT, AND TRAIN PEOPLE FROM COMMUNITY GROUPS, SOCIAL SERVICE AGENCIES, AND OTHERS REPRESENTING PROTECTED CLASSES TO SERVE ON THE BOARD OF DIRECTORS FOR THE NEW ORGANIZATION; IDENTIFY AND LEASE OFFICE SPACE; INCORPORATE AND OBTAIN 501(C)(3) STATUS FOR FHCCM.; EXPECTED OUTCOMES: HIRE AND TRAIN STAFF ON STATE AND FEDERAL FAIR HOUSING LAWS; TRAIN STAFF ON HOW TO CONDUCT FAIR HOUSING EDUCATION AND OUTREACH TO CONSUMERS, HOUSING PROVIDERS, GOVERNMENT OFFICIALS, AND OTHERS INVOLVED IN HOUSING ISSUES; TRAIN STAFF ON HOW TO PERFORM FAIR HOUSING TESTS TO INVESTIGATE COMPLAINT-BASED AND SYSTEMIC DISCRIMINATION IN THE RENTAL, HOME SALES, AND MORTGAGE LENDING MARKETS; PERFORM INTAKES, INVESTIGATIONS, AND HOUSING COUNSELING FOR VICTIMS OF HOUSING DISCRIMINATION; RECRUIT AND TRAIN ATTORNEYS TO ASSIST VICTIMS OF HOUSING DISCRIMINATION; FILE MERITORIOUS COMPLAINTS; COMPLETE SYSTEMIC INVESTIGATIONS; CONDUCT FAIR HOUSING EDUCATION AND OUTREACH; AND PUBLICIZE THE WORK OF THE FHCMM.; INTENDED BENEFICIARIES: THE ORGANIZATION WILL SERVE VICTIMS OF HOUSING AND LENDING DISCRIMINATION IN THE MEMPHIS METROPOLITAN REGION; MEMBERS OF THE PROTECTED CLASSES INCLUDING PEOPLE WITH CRIMINAL RECORDS, HOUSING CHOICE VOUCHERS, DISABILITIES, AND MEMBERS OF THE LGBTQ COMMUNITY; PEOPLE WHO ARE LOW-INCOME; PEOPLE LIVING IN R/ECAPS; HOMEBUYERS; MORTGAGE APPLICANTS; HOUSING PROVIDERS; GOVERNMENT OFFICIALS; SOCIAL SERVICE AGENCIES; AND GROUPS SERVING THOSE IN PROTECTED CLASSES.; SUBRECIPIENT ACTIVITIES: THE SUBRECIPIENT ACTIVITIES ARE UNKNOWN AT THE TIME OF AWARD.

PRIVATE ENFORCEMENT INITIATIVES

EDUCATION & OUTREACH

EDUCATION & OUTREACH

PURPOSE: PURPOSE: THE PURPOSE OF THE NATIONAL MEDIA CAMPAIGN IS TO EDUCATE CONSUMERS AND INDUSTRY ABOUT DISCRIMINATION IN REAL ESTATE RELATED TRANSACTIONS, AND PARTICULARLY IN MORTGAGE LENDING AND HOME APPRAISALS. THE CAMPAIGN IS TARGETED TO PERSONS IN ALL PROTECTED CLASSES UNDER THE FAIR HOUSING ACT, WITH A PRIORITY FOCUS ON PEOPLE AND COMMUNITIES OF COLOR. THE CAMPAIGN’S MESSAGING AND CALL-TO-ACTION WILL ADDRESS PREVENTING SUCH DISCRIMINATION AND, WHEN APPROPRIATE, ENCOURAGE FILING A COMPLAINT WITH HUD. STRONG MEDIA REACH WILL BE ACHIEVED THROUGH TRIED-AND-TRUE AND COST-EFFECTIVE APPROACHES INCLUDING TV, RADIO, PRINT AND OUT-OF HOME PSAS. IN ADDITION, HYPER-TARGETED STRATEGIES VIA A COMPREHENSIVE DIGITAL AND SOCIAL MEDIA PLAN, WILL BE IMPLEMENTED.; ACTIVITIES TO BE PERFORMED: ACTIVITIES TO BE PERFORMED: • PRODUCE NEW PRINT PUBLIC SERVICE ANNOUNCEMENTS (PSAS) IN EIGHT LANGUAGES • CONDUCT FOCUS GROUPS • PRODUCE ONE NEW TELEVISION PSA IN ENGLISH AND SPANISH • PRODUCE TWO NEW RADIO PSAS IN ENGLISH AND SPANISH • PRODUCE FOUR 15-20 MINUTE PODCAST EPISODES • PLACE OUT-OF-HOME ADVERTISEMENTS • IMPLEMENT A DIGITAL AND SOCIAL MEDIA CAMPAIGN TO INCLUDE: O DATA TARGETING O STREAMING AUDIO O OVER-THE-TOP PLACEMENTS O YOUTUBE O FACEBOOK/INSTAGRAM • CONDUCT A TWITTER CAMPAIGN • UPDATE PSA CATALOG C. EXPECTED OUTCOMES • 4 NEW 508 COMPLIANT PRINT PSAS IN 8 LANGUAGES = 32 NEW PRINT PSAS. DISTRIBUTION TO AT LEAST 1,400 AGENCIES, INCLUDING HUD, FHIP, FHAP, CDBG. • 4 FOCUS GROUPS CONDUCTED IN TWO CITIES. • ONE NEW TV PSA IN :60, :30, AND :15 LENGTHS IN ENGLISH AND SPANISH = 6 TV PSAS. DISTRIBUTE TO AT LEAST 1,200 TV STATIONS (ENGLISH) AND 280 TV STATIONS (SPANISH) WITH ESTIMATED IMPRESSIONS OF 45 MILLION AND DONATED MEDIA OF $3 MILLION. • TWO NEW RADIO PSAS IN :60, :30, AND :15 LENGTHS IN ENGLISH AND SPANISH = 12 RADIO PSAS. DISTRIBUTE TO AT LEAST 4,000 RADIO STATIONS (ENGLISH) AND 270 RADIO STATIONS (SPANISH) WITH ESTIMATED RADIO IMPRESSIONS OF 40 MILLION AND DONATED MEDIA OF AT LEAST $750,000. • TWO :30 PRE-ROLL VIDEOS IN ENGLISH AND SPANISH FOR PLACEMENT ON YOUTUBE AND OTHER VIDEO SITES. • FOUR PODCAST EPISODES IN ENGLISH AND SPANISH. • OUT-OF-HOME PLACEMENTS WITH ESTIMATED IMPRESSIONS OF 87.5 MILLION AND DONATED MEDIA OF $1,170,000. • AD PLACEMENTS FOR THE FOLLOWING DIGITAL AND SOCIAL MEDIA COMPONENTS O DATA TARGETING O STREAMING AUDIO O OVER-THE-TOP O YOUTUBE O FACEBOOK/INSTAGRAM O TOTAL PROJECTED IMPRESSIONS: 6.85 MILLION O TARGETED CLICKS: 8,000 • TWITTER POSTS WITH AT LEAST 40,000 IMPRESSIONS • PSA CATALOG DISTRIBUTION TO 1,400 ORGANIZATIONS; EXPECTED OUTCOMES: EXPECTED OUTCOMES • 4 NEW 508 COMPLIANT PRINT PSAS IN 8 LANGUAGES = 32 NEW PRINT PSAS. DISTRIBUTION TO AT LEAST 1,400 AGENCIES, INCLUDING HUD, FHIP, FHAP, CDBG. • 4 FOCUS GROUPS CONDUCTED IN TWO CITIES. • ONE NEW TV PSA IN :60, :30, AND :15 LENGTHS IN ENGLISH AND SPANISH = 6 TV PSAS. DISTRIBUTE TO AT LEAST 1,200 TV STATIONS (ENGLISH) AND 280 TV STATIONS (SPANISH) WITH ESTIMATED IMPRESSIONS OF 45 MILLION AND DONATED MEDIA OF $3 MILLION. • TWO NEW RADIO PSAS IN :60, :30, AND :15 LENGTHS IN ENGLISH AND SPANISH = 12 RADIO PSAS. DISTRIBUTE TO AT LEAST 4,000 RADIO STATIONS (ENGLISH) AND 270 RADIO STATIONS (SPANISH) WITH ESTIMATED RADIO IMPRESSIONS OF 40 MILLION AND DONATED MEDIA OF AT LEAST $750,000. • TWO :30 PRE-ROLL VIDEOS IN ENGLISH AND SPANISH FOR PLACEMENT ON YOUTUBE AND OTHER VIDEO SITES. • FOUR PODCAST EPISODES IN ENGLISH AND SPANISH. • OUT-OF-HOME PLACEMENTS WITH ESTIMATED IMPRESSIONS OF 87.5 MILLION AND DONATED MEDIA OF $1,170,000. • AD PLACEMENTS FOR THE FOLLOWING DIGITAL AND SOCIAL MEDIA COMPONENTS O DATA TARGETING O STREAMING AUDIO O OVER-THE-TOP O YOUTUBE O FACEBOOK/INSTAGRAM O TOTAL PROJECTED IMPRESSIONS: 6.85 MILLION O TARGETED CLICKS: 8,000 • TWITTER POSTS WITH AT LEAST 40,000 IMPRESSIONS • PSA CATALOG DISTRIBUTION TO 1,400 ORGANIZATION; INTENDED BENEFICIARIES: INTENDED BENEFICIARIES • ALL PERSONS IN THE UNITED STATES • VICTIMS OF HOUSING, MORTGAGE LENDING, AND APPRAISAL DISCRIMINATION • MEMBERS OF ALL PROTECTED CLASSES • PERSONS WITH DISABILITIES, ESPECIALLY RECIPIENTS OF FEDERAL FINANCIAL ASSISTANCE • HOMEOWNERS AND MORTGAGE LOAN APPLICANTS • RESIDENTS OF HIGHLY-SEGREGATED NEIGHBORHOODS • RESIDENTS OF RURAL COMMUNITIES • STAFF OF FAIR HOUSING AND CIVIL RIGHTS ORGANIZATIONS • MEMBERS OF THE MORTGAGE LENDING AND APPRAISAL INDUSTRIES • MEMBERS OF OTHER REAL ESTATE RELATED INDUSTRIES • GOVERNMENT OFFICIALS • GROUPS SERVING PERSONS IN PROTECTED CLASSES; SUBRECIPIENT ACTIVITIES: SUBRECIPIENT ACTIVITIES: THE SUBCONTRACTOR IS A PUBLIC SERVICE ADVERTISING AGENCY THAT WILL BE INVOLVED IN THE FOLLOWING NATIONAL MEDIA CAMPAIGN ACTIVITIES. • PRODUCE NEW PRINT PUBLIC SERVICE ANNOUNCEMENTS (PSAS) IN EIGHT LANGUAGES • CONDUCT FOCUS GROUPS. • PRODUCE ONE NEW TELEVISION PSA IN ENGLISH AND SPANISH • PRODUCE TWO NEW RADIO PSAS IN ENGLISH AND SPANISH • PRODUCE FOUR 15-20 MINUTE PODCAST EPISODES • PLACE OUT-OF-HOME ADVERTISEMENTS • IMPLEMENT A DIGITAL AND SOCIAL MEDIA CAMPAIGN TO INCLUDE: O DATA TARGETING O STREAMING AUDIO O OVER-THE-TOP PLACEMENTS O YOUTUBE O FACEBOOK/INSTAGRAM • UPDATE PSA CATALOG

PURPOSE: PURPOSE: THE NATIONAL FAIR HOUSING ALLIANCE (NFHA) WILL USE ITS GRANT TO EDUCATE CONSUMERS AND THE INDUSTRY ABOUT DISCRIMINATION IN MORTGAGE LENDING AND HOME APPRAISALS. THE CAMPAIGN IS TARGETED TO PEOPLE IN ALL PROTECTED CLASSES UNDER THE FAIR HOUSING ACT, WITH A PRIORITY FOCUS ON PEOPLE AND COMMUNITIES OF COLOR.; ACTIVITIES TO BE PERFORMED: THE CAMPAIGN’S MESSAGING AND CALL-TO-ACTION WILL ADDRESS PREVENTING SUCH DISCRIMINATION AND, WHEN APPROPRIATE, ENCOURAGE FILING A COMPLAINT WITH HUD.; EXPECTED OUTCOMES: STRONG MEDIA REACH WILL BE ACHIEVED THROUGH TRIED-AND-TRUE AND COST-EFFECTIVE APPROACHES INCLUDING TV, RADIO, PRINT AND OUT-OF-HOME PSAS.; INTENDED BENEFICIARIES: ALL PERSONS IN THE UNITED STATES; SUBRECIPIENT ACTIVITIES: THROUGH THIS CAMPAIGN, NFHA WILL: PRODUCE FOUR NEW PRINT PSAS IN EIGHT LANGUAGES, ALONG WITH PRODUCE ONE NEW TELEVISION PSA IN ENGLISH AND SPANISH; PRODUCE TWO NEW RADIO PSAS IN ENGLISH AND SPANISH THAT WILL BE DISTRIBUTED TO 4,000 ENGLISH STATIONS AND 270 SPANISH STATIONS; PRODUCE FOUR 15- TO 20-MINUTE PODCAST EPISODES; CONDUCT FOUR FOCUS GROUPS IN TWO CITIES; PLACE OUT-OF-HOME ADVERTISEMENTS; AND CONDUCT A WEBINAR. NFHA WILL ALSO IMPLEMENT A DIGITAL AND SOCIAL MEDIA CAMPAIGN TO INCLUDE YOUTUBE, FACEBOOK/INSTAGRAM, AND TWITTER.

EDUCATION AND OUTREACH INITIATIVES

PRIVATE ENFORCEMENT INITIATIVES

ORGANIZATIONS INITIV

EDUCATION AND OUTREACH INITIATIVES

EDUCATION AND OUTREACH INITIATIVES

EDUCATION AND OUTREACH INITIATIVES

EDUCATION & OUTREACH

EDUCATION AND OUTREACH INITIATIVES

EDUCATION & OUTREACH

ORGANIZATIONS INITIV

PRIVATE ENFORCEMENT INITIATIVES

PRIVATE ENFORCEMENT

PURPOSE: UNDER THE FY2023 FHIP PEI MULTI-YEAR COMPONENT TO CONDUCT AT LEAST 426 RENTAL, REAL ESTATE SALES, MORTGAGE LENDING AND REDLINING, DESIGN AND CONSTRUCTION, AND INSURANCE TESTS/INVESTIGATIONS. NFHA WILL FOCUS ITS GRANT ACTIVITIES ON THE KANSAS CITY, MO/KS AND JACKSON, MS METRO AREAS. KANSAS CITY AND JACKSON ARE UNDERSERVED METROS WITH A DIRE LACK OF FAIR HOUSING EDUCATION AND ENFORCEMENT. THEY ARE BOTH HIGHLY RACIALLY SEGREGATED AND HAVE MULTIPLE DISCRIMINATORY BARRIERS TO FAIR HOUSING IDENTIFIED IN THEIR ANALYSES OF IMPEDIMENTS AND CONSOLIDATED PLANS. MULTIPLE DATA SOURCES REVIEWED BY NFHA SHOW THAT KANSAS CITY AND JACKSON HAVE LARGE HOMEOWNERSHIP GAPS BETWEEN HOUSEHOLDS OF COLOR AND WHITE HOUSEHOLDS; HAVE LENDING PATTERNS THAT DISPLAY LARGE GAPS IN LENDING BETWEEN WHITE AND BLACK APPLICANTS; REPORT FAILURES TO MAKE REASONABLE ACCOMMODATIONS; HAVE AN INSUFFICIENT SUPPLY OF AFFORDABLE HOUSING, ESPECIALLY ACCESSIBLE AFFORDABLE HOUSING; HAVE INSUFFICIENT FAIR HOUSING EDUCATION; AND, HAVE AN INSUFFICIENT UNDERSTANDING OF CREDIT.; ACTIVITIES TO BE PERFORMED: NFHA’S PROPOSED GRANT ACTIVITIES WILL ADDRESS ALL OF THESE BARRIERS TO FAIR HOUSING. THE COMPLAINT-BASED AND SYSTEMIC INVESTIGATIONS PROPOSED UNDER THIS PROJECT WILL SERVE AS THE BASIS FOR ENFORCEMENT ACTIONS UNDER THE FAIR HOUSING ACT (FHA) THROUGH HUD, STATE OR LOCAL FAIR HOUSING ASSISTANCE PROGRAMS, THE U.S. DEPARTMENT OF JUSTICE, AND FEDERAL COURT. ENFORCEMENT ACTIONS WILL ELIMINATE DISCRIMINATION AND REMEDY THE HARM THROUGH AFFIRMATIVE RELIEF. NFHA WILL ALSO CONTINUE TO DEVELOP AT LEAST 4 SYSTEMIC INVESTIGATIONS AND 8 PENDING ENFORCEMENT ACTIONS INITIATED UNDER PREVIOUS FHIP AWARDS. NFHA WILL ALSO CONDUCT COMPREHENSIVE EDUCATION AND OUTREACH REGARDING THE FHA IN BOTH METRO AREAS AS IT IMPLEMENTS ITS INVESTIGATIONS. EDUCATION AND OUTREACH WILL INCLUDE SPEAKING WITH ORGANIZATIONS SUCH AS HOUSING COUNSELING CENTERS, RELIGIOUS INSTITUTIONS AND COALITIONS, UNIVERSITIES, DISABILITY RIGHTS GROUPS, COMMUNITY DEVELOPMENT CORPORATIONS, YOUTH SERVICE AND FAMILY SERVICE ORGANIZATIONS, AND ENVIRONMENTAL JUSTICE ORGANIZATIONS, AMONG OTHERS. NFHA’S ROBUST EDUCATION AND OUTREACH IN THESE TWO METRO AREAS WILL ADDRESS SEVERELY LACKING KNOWLEDGE AND UNDERSTANDING OF FAIR HOUSING LAWS AND RIGHTS, AND ITS EXTENSIVE EXPERIENCE IN CONDUCTING BROAD-BASED FAIR HOUSING INVESTIGATIONS AND ENFORCEMENT WILL ELIMINATE DISCRIMINATORY BARRIERS FOR ALL PEOPLE PROTECTED BY THE FAIR HOUSING ACT. ACTIVITIES TO BE PERFORMED (UP TO 4,900 CHARACTER LIMIT) UNDER THIS PROJECT, NFHA WILL IMPLEMENT A FULL-SERVICE AND BROAD-BASED PROJECT THAT INCLUDES COMPLAINT INTAKE AND REFERRAL, EDUCATION AND OUTREACH, AND SYSTEMIC INVESTIGATIONS IN RENTAL, REAL ESTATE SALES, MORTGAGE LENDING AND REDLINING, DESIGN AND CONSTRUCTION, AND INSURANCE. NFHA WILL INVESTIGATE FHA COMPLAINTS TO CHALLENGE DISCRIMINATION IN JACKSON, MS, AND KANSAS CITY, KS/MO, WHICH ARE UNDERSERVED. NFHA WILL CONDUCT AT LEAST 366 RENTAL, SALES, MORTGAGE LENDING, DESIGN AND CONSTRUCTION, AND INSURANCE TESTS AND 60 REDLINING INVESTIGATIONS DURING THE GRANT PERIOD. NFHA’S PROJECT HAS FIVE RELATED TESTING AND INVESTIGATION ACTIVITIES DESIGNED TO PROVIDE A STRATEGIC, SYSTEMIC APPROACH TO CHALLENGING ILLEGAL ACTIVITIES BY LANDLORDS AND RENTAL MANAGEMENT FIRMS, REAL ESTATE FIRMS, HOMEOWNERS INSURANCE COMPANIES, MORTGAGE LENDERS, BANKS, BUILDERS, DEVELOPERS, AND ARCHITECTS. NFHA WILL IMPLEMENT INNOVATIVE TESTING INVESTIGATIONS INTO HOUSING MARKET THIRD-PARTY SERVICE PROVIDERS THAT USE DATA IN A DISCRIMINATORY WAY OR OTHERWISE DISCRIMINATE IN THE PROVISION OF SERVICES. NFHA WILL ALSO CONDUCT COMPLAINT INTAKE AND INVESTIGATE COMPLAINTS OF DISCRIMINATION AND SUPPORT PENDING INVESTIGATIONS AND ENFORCEMENT ACTIONS. NFHA WILL RECRUIT AND TRAIN RENTAL, SALES, AND LENDING TESTERS TO CONDUCT THE INVESTIGATIONS, PARTNER WITH THE HISPANIC-SERVING INSTITUTION, DONNELLY COLLEGE IN KANSAS CITY, KS, AND WILL MEET WITH LOCAL STAKEHOLDERS TO IDENTIFY COMPANIES AND ISSUES FOR INVESTIGATIONS. THE TOTAL BUDGET FOR THE PROPOSED THREE-YEAR PROJECT IS $1,741,066, AND NFHA IS APPLYING FOR $1,2000,000 IN HUD FUNDING: A. YEAR ONE: THE TOTAL BUDGET IS $566,794 AND THE FHIP PORTION IS $400,000. NFHA WILL CONDUCT 62 RENTAL TEST PARTS; 40 COMPLEX TEST PARTS (TO INCLUDE REAL ESTATE SALES AND MORTGAGE LENDING TEST PARTS); 12 DESIGN AND CONSTRUCTION INVESTIGATIONS; AND 8 INSURANCE TEST PARTS. NFHA WILL CONDUCT NON-TESTING INVESTIGATIONS TO INCLUDE REVIEWING HOME MORTGAGE DISCLOSURE ACT (HMDA) DATA FOR 20 LENDERS TO CONDUCT REDLINING DISPARITY ANALYSIS AND CREATING 20 MARKET PEER GROUPS FOR MORE DETAILED REDLINING ANALYSIS. NFHA WILL RECRUIT AND TRAIN 12 RENTAL TESTERS AND 8 TESTERS FOR COMPLEX TESTING (TO INCLUDE REAL ESTATE SALES, MORTGAGE LENDING, AND/OR HOMEOWNERS INSURANCE TESTING). NFHA WILL ATTEND OR CONVENE 24 COMMUNITY ENGAGEMENTS ACROSS GRANT CITIES. NFHA WILL FILE MERITORIOUS FHA COMPLAINTS AND ISSUE NEWS RELEASES ABOUT ALLEGATIONS OF FHA VIOLATIONS. NFHA WILL ALSO DISTRIBUTE INFORMATION TO PUBLIC OFFICIALS, LOCAL GOVERNMENTS, AND COMMUNITY, NEIGHBORHOOD, AND FAITH-BASED GROUPS IN THE GRANT CITIES ABOUT VIOLATIONS OF THE FHA, ENFORCEMENT ACTIONS, AND SETTLEMENTS OF FAIR HOUSING CASES. B. YEAR TWO: THE TOTAL BUDGET IS $580,221 AND THE FHIP PORTION IS $400,000. NFHA WILL CONDUCT 62 RENTAL TEST PARTS; 40 COMPLEX TEST PARTS (TO INCLUDE REAL ESTATE SALES AND MORTGAGE LENDING TEST PARTS); 12 DESIGN AND CONSTRUCTION INVESTIGATIONS; AND 8 INSURANCE TEST PARTS. NFHA WILL CONDUCT NON-TESTING INVESTIGATIONS TO INCLUDE REVIEWING HOME MORTGAGE DISCLOSURE ACT (HMDA) DATA FOR 20 LENDERS TO CONDUCT REDLINING DISPARITY ANALYSIS AND CREATING 20 MARKET PEER GROUPS FOR MORE DETAILED REDLINING ANALYSIS. NFHA WILL RECRUIT AND TRAIN 12 RENTAL TESTERS AND 8 TESTERS FOR COMPLEX TESTING (TO INCLUDE REAL ESTATE SALES, MORTGAGE LENDING, AND/OR HOMEOWNERS INSURANCE TESTING). NFHA WILL ATTEND OR CONVENE 24 COMMUNITY ENGAGEMENTS ACROSS GRANT CITIES. NFHA WILL FILE MERITORIOUS FHA COMPLAINTS AND ISSUE NEWS RELEASES ABOUT ALLEGATIONS OF FHA VIOLATIONS. NFHA WILL ALSO DISTRIBUTE INFORMATION TO PUBLIC OFFICIALS, LOCAL GOVERNMENTS, AND COMMUNITY, NEIGHBORHOOD, AND FAITH-BASED GROUPS IN THE GRANT CITIES ABOUT VIOLATIONS OF THE FHA, ENFORCEMENT ACTIONS, AND SETTLEMENTS OF FAIR HOUSING CASES. YEAR THREE: THE TOTAL BUDGET IS $594,051 AND THE FHIP PORTION IS $400,000. NFHA WILL CONDUCT 62 RENTAL TEST PARTS; 40 COMPLEX TEST PARTS (TO INCLUDE REAL ESTATE SALES AND MORTGAGE LENDING TEST PARTS); 12 DESIGN AND CONSTRUCTION INVESTIGATIONS; AND 8 INSURANCE TEST PARTS. NFHA WILL CONDUCT NON-TESTING INVESTIGATIONS TO INCLUDE REVIEWING HOME MORTGAGE DISCLOSURE ACT (HMDA) DATA FOR 20 LENDERS TO CONDUCT REDLINING DISPARITY ANALYSIS AND CREATING 20 MARKET PEER GROUPS FOR MORE DETAILED REDLINING ANALYSIS. NFHA WILL RECRUIT AND TRAIN 12 RENTAL TESTERS AND 8 TESTERS FOR COMPLEX TESTING (TO INCLUDE REAL ESTATE SALES, MORTGAGE LENDING, AND/OR HOMEOWNERS INSURANCE TESTING). NFHA WILL ATTEND OR CONVENE 24 COMMUNITY ENGAGEMENTS ACROSS GRANT CITIES. NFHA WILL FILE MERITORIOUS FHA COMPLAINTS AND ISSUE NEWS RELEASES ABOUT ALLEGATIONS OF FHA VIOLATIONS. NFHA WILL ALSO DISTRIBUTE INFORMATION TO PUBLIC OFFICIALS, LOCAL GOVERNMENTS, AND COMMUNITY, NEIGHBORHOOD, AND FAITH-BASED GROUPS IN THE GRANT CITIES ABOUT VIOLATIONS OF THE FHA, ENFORCEMENT ACTIONS, AND SETTLEMENTS OF FAIR HOUSING CASES.; EXPECTED OUTCOMES: EXPECTED OUTCOMES (UP TO 4,900 CHARACTER LIMIT) UNDER THIS NOFO, NFHA PROPOSES TO IMPLEMENT A FULL-SERVICE PROJECT AND CONDUCT BROAD-BASED FAIR HOUSING COMPLAINT INTAKE, COMMUNITY ENGAGEMENT, AND INVESTIGATIONS IN TWO UNDERSERVED METRO AREAS IN EACH YEAR OF THE 36-MONTH PROJECT: THE KANSAS CITY, MO-KS METRO AREA AND THE JACKSON, MS, METRO AREA. NFHA WILL ALSO IMPLEMENT DESIGN AND CONSTRUCTION INVESTIGATIONS OF NEWLY CONSTRUCTED MULTI-FAMILY HOUSING, REDLINING INVESTIGATIONS OF MORTGAGE LENDERS, AND INVESTIGATIONS INTO ENTITIES INVOLVED IN THE PROVISION OF HOUSING-RELATED INSURANCE IN THOSE METRO AREAS AND OTHER UNDERSERVES METRO AREA IN RESPONSE TO PRELIMINARY ASSESSMENTS OF NEED. THE QUANTIFIABLE OUTPUTS THAT MEASURE PROGRESS AND PERFORMANCE IN THE SOW FOR EACH YEAR ARE: NUMBER OF INSTANCES OF COMMUNITY ENGAGEMENT AND THE NUMBER OF PEOPLE AND ENTITIES REACHED; THE NUMBER OF TESTERS RECRUITED AND TRAINED; THE NUMBER OF RENTAL TEST PARTS CONDUCTED; THE NUMBER OF REAL ESTATE SALES TEST PARTS CONDUCTED; THE NUMBER OF MORTGAGE LENDING TEST PARTS CONDUCTED; THE NUMBER OF DESIGN & CONSTRUCTION TEST PARTS CONDUCTED; THE NUMBER OF INSURANCE PARTS CONDUCTED; AND, THE NUMBER OF LENDERS INVESTIGATED FOR REDLINING. THESE OUTPUTS WILL RESULT IN IMPACTFUL OUTCOMES THAT ALIGN WITH HUD’S GOALS AND OBJECTIVES IN ITS STRATEGIC PLAN. MEASURABLE OUTCOMES WILL INCLUDE NUMBER OF HOUSING UNITS FAVORABLY IMPACTED, NUMBER OF PEOPLE/HOUSEHOLDS FAVORABLY IMPACTED, NUMBER OF ENTITIES ENJOINED FROM DISCRIMINATING IN VIOLATION OF THE FHA, NUMBER OF ENTITIES TRAINED ON THE FAIR HOUSING ACT, MONETARY AMOUNTS OF COMMUNITY REINVESTMENT FUNDING DEPLOYED, AND MORE. ADDITIONAL PUBLIC INTEREST OUTCOMES INCLUDE THE ELIMINATION OF DISCRIMINATORY POLICIES AND PRACTICES, BOLSTERED FAIR HOUSING TRAINING AND EDUCATION OF HOUSING PROVIDERS, COMMUNITY REINVESTMENT IN BLACK AND HISPANIC COMMUNITIES, AND INVESTMENT IN HOUSING AND HOUSING-RELATED OPPORTUNITIES TO ASSIST VICTIMS OF HOUSING DISCRIMINATION. NFHA WILL MEASURE THESE OUTPUTS AND OUTCOMES IN THE FORM OF COMMUNITY ENGAGEMENT DATA, INTAKE DATA, TESTER DATA, TESTING DATA, AND OTHER INVESTIGATIVE DATA. THESE DATA WILL BE CAPTURED, MONITORED, AND ANALYZED BY THE USAGE OF THE FOLLOWING TECHNOLOGICAL TOOLS: NFHA’S ONLINE COMPLAINT PORTAL, CLOUD-BASED PLATFORMS AND FILE SHARING SITES SUCH AS DIVERSALINK, SALESFORCE, ONEDRIVE, AND DROPBOX; EXCEL SPREADSHEETS; ANALYTICAL SOFTWARE PROGRAMS SUCH AS LENDINGPATTERNS® FOR HMDA DATA ANALYSIS AND ARCGIS FOR MAPPING CAPABILITIES; AND MORE. INTENDED BENEFICIARIES (UP TO 3,600 CHARACTER LIMIT) ALL FEDERALLY PROTECTED CLASSES UNDER THE FAIR HOUSING ACT WILL BE TARGETED THROUGH THE GRANT AWARD ACTIVITIES THAT NFHA PROPOSES IN THIS GRANT. THIS INCLUDES PERSONS WHO EXPERIENCE HOUSING DISCRIMINATION BECAUSE OF THEIR RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, FAMILIAL STATUS, AND/OR DISABILITY. GRANT ACTIVITIES WILL ALSO ADDRESS COMPLEX FORMS OF DISCRIMINATION, SUCH AS DISCRIMINATION BECAUSE OF ONE’S SEXUAL ORIENTATION, GENDER IDENTITY, SOURCE OF INCOME, OR CRIMINAL BACKGROUND / CRIMINAL HISTORY, WITHIN THE LENS OF THE FHA’S FEDERALLY PROTECTED CLASSES. NFHA WILL TARGET THESE PROTECTED CLASSES THROUGH ITS GRANT ACTIVITIES, WHICH INCLUDE FAIR HOUSING INVESTIGATIONS AND TESTING, COMMUNITY OUTREACH AND EDUCATION, AND BROAD-BASED FAIR HOUSING COMPLAINT INTAKE. FAIR HOUSING INVESTIGATIONS INCLUDE RENTAL, REAL ESTATE SALES, MORTGAGE LENDING AND REDLINING, DESIGN AND CONSTRUCTION, AND INSURANCE TESTS/INVESTIGATIONS.; INTENDED BENEFICIARIES: BENEFICIARIES OF THESE GRANT ACTIVITIES INCLUDE VICTIMS OF HOUSING DISCRIMINATION, RESIDENTS OF THE KANSAS CITY, MO/KS AND JACKSON, MS METRO AREAS, AND THE GENERAL PUBLIC. BENEFICIARIES ALSO INCLUDE COMMUNITY GROUPS SUCH AS HOUSING COUNSELING CENTERS, RELIGIOUS INSTITUTIONS AND COALITIONS, UNIVERSITIES, CULTURAL ORGANIZATIONS, DISABILITY RIGHTS GROUPS, COMMUNITY DEVELOPMENT CORPORATIONS, YOUTH AND FAMILY SERVICE ORGANIZATIONS, ENVIRONMENTAL JUSTICE ORGANIZATIONS, AND MORE. FINALLY, BENEFICIARIES ALSO INCLUDE MEMBERS OF THE HOUSING INDUSTRY, INCLUDING LANDLORDS, PROPERTY MANAGEMENT COMPANIES, REAL ESTATE AGENTS, MORTGAGE LENDERS, AND HOMEOWNERS INSURANCE PROVIDERS, AMONG OTHERS. SUBRECIPIENT ACTIVITIES OR INDICATE “NONE” (UP TO 1,000 CHARACTER LIMIT); SUBRECIPIENT ACTIVITIES: NONE

EDUCATION & OUTREACH

PRIVATE ENFORCEMENT INITIATIVES

EDUCATION & OUTREACH

EDUCATION & OUTREACH

EDUCATION AND OUTREACH INITIATIVES

FAIR HOUSING ORGANIZATION INITIATIVES

PRIVATE ENFORCEMENT

PRIVATE ENFORCEMENT INITIATIVES

PRIVATE ENFORCEMENT INITIATIVES

PRIVATE ENFORCEMENT

ORGANIZATIONS INITIV

FAIR HOUSING ORGANIZATION INITIATIVES

PRIVATE ENFORCEMENT INITIATIVES

PRIVATE ENFORCEMENT INITIATIVES

PURPOSE: THE PURPOSE OF THE PROPOSED PROJECT WITHIN THE FHOI COMMUNITY DEVELOPMENT COMPONENT (CDC) IS TO EXPAND NFHA’S ABILITY TO ASSIST QFHOS IN IDENTIFYING AND INVESTIGATING APPRAISAL BIAS, INVESTIGATE APPRAISAL DISCRIMINATION IN MEMPHIS, TN, AND BUILD A DIGITAL PLATFORM THAT MONITORS AND IDENTIFIES APPRAISERS AND AMCS IN MEMPHIS TN. NFHA WILL BUILD ITS CAPACITY, EFFECTIVENESS, AND TESTING EXPERTISE IN RESIDENTIAL APPRAISAL BIAS BY EXPLORING THESE ISSUES WITHIN THE MSA OF MEMPHIS, TN THROUGH SYSTEMIC APPRAISAL INVESTIGATIONS. THIS FUNDING WILL ALLOW NFHA TO ASSIST INDIVIDUALS OF ALL PROTECTED CLASSES WHO BELIEVE THEY HAVE BEEN VICTIMS OF HOUSING DISCRIMINATION AND WILL PROVIDE NFHA THE RESOURCES TO PROVIDE QUALITY ASSISTANCE TO INDIVIDUALS WHO BELIEVE THEY HAVE BEEN VICTIMS OF APPRAISAL[1]BASED HOUSING DISCRIMINATION. IN ADDITION TO DEVELOPING NFHA’S EXPERTISE AND EXPERIENCE, WHICH ALSO WILL BENEFIT NFHA’S MEMBER FAIR HOUSING ORGANIZATIONS, FUNDS WILL BE USED TO ALLOW NFHA TO CARRY OUT ENFORCEMENT ACTIVITIES, SUCH AS TESTING, TO PREVENT OR ELIMINATE DISCRIMINATORY HOUSING PRACTICES AND INFORM INDIVIDUALS OF THEIR RIGHTS AND RESPONSIBILITIES UNDER THE FAIR HOUSING ACT, AS IT RELATES TO APPRAISAL DISCRIMINATION.; ACTIVITIES TO BE PERFORMED: • IDENTIFY COMMUNITIES WITHIN MEMPHIS, TN THAT HAVE BEEN HISTORICALLY MARGINALIZED AND OVERBURDENED BY POLLUTION AND UNDERINVESTMENT. • PROVIDE TECHNICAL ASSISTANCE TO AT LEAST 3 FAIR HOUSING ORGANIZATIONS THROUGHOUT THE U.S. THAT ARE CONDUCTING APPRAISAL BIAS TESTS AND/OR INVESTIGATIVE ACTIVITIES. • CONDUCT OUTREACH TO AT LEAST 5 LOCAL COMMUNITY, HOUSING, AND FAITH-BASED GROUPS IN THE MEMPHIS MSA. • CONDUCT INTAKES, ASSIST, AND SUPPORT CONSUMERS WHO HAVE EXPERIENCED APPRAISAL BIAS/DISCRIMINATION. • UPDATE METHODOLOGY FOR CONDUCTING APPRAISAL BIAS TESTING AND INVESTIGATIVE ACTIVITIES. • REQUEST INCIDENTS OF PUBLICLY AVAILABLE COMPLAINTS MADE AGAINST APPRAISERS OR APPRAISAL MANAGEMENT COMPANIES WITHIN THE MEMPHIS MSA. • CONDUCT MARKET SCAN TO IDENTIFY APPRAISERS AND/OR APPRAISAL MANAGEMENT COMPANIES (AMC) LICENSED TO CONDUCT BUSINESS WITHIN SHELBY COUNTY, TN. • CONDUCT 15 RESIDENTIAL APPRAISAL TEST PARTS WITHIN THE MEMPHIS MSA. • MAP COMPARABLE HOMES IDENTIFIED BY APPRAISERS IN MEMPHIS TESTING. • OBTAIN AT LEAST 15 APPRAISAL REPORTS THROUGH ENGAGING LOCAL CDCS DEVELOPING AFFORDABLE HOUSING IN MEMPHIS OR ENGAGING CONSUMERS THEY SUPPORT. • DEVELOP AND TEST A UTILITY THAT CAN BE PROMPTED TO IDENTIFY DISCRIMINATORY CONTENT ONLINE ON LISTING AND HOUSING RELATED WEBSITES. • DEVELOP AND IMPLEMENT METHODOLOGY FOR IDENTIFYING REAL ESTATE FIRMS THAT UNDERSERVE COMMUNITIES OF COLOR IN MEMPHIS USING PUBLICLY AVAILABLE DATA. • FILE MERITORIOUS FAIR HOUSING ACT COMPLAINTS WITH HUD, ADMINISTRATIVE AGENCIES OR IN FEDERAL/STATE COURT, OR REFER THEM TO THE U.S. DEPARTMENT OF JUSTICE. • ISSUE NEWS RELEASES ABOUT ALLEGATIONS OF FAIR HOUSING ACT VIOLATIONS OR OF OTHER CIVIL RIGHTS LAWS, OR SETTLEMENTS OF COMPLAINTS TO MEDIA NATIONWIDE. • DISTRIBUTE INFORMATION TO PUBLIC OFFICIALS, LOCAL GOVERNMENTS, AND COMMUNITY, NEIGHBORHOOD, AND FAITH-BASED GROUPS IN THE PROJECT AREAS ABOUT VIOLATIONS OF THE FAIR HOUSING ACT AND BARRIERS TO FAIR HOUSING.; EXPECTED OUTCOMES: 3 FAIR HOUSING ORGANIZATIONS CAN CONDUCT APPRAISAL BIAS TESTS AND/OR INVESTIGATE INCIDENTS OF APPRAISAL BIAS. • FIVE LOCAL COMMUNITY, HOUSING, AND FAITH-BASED GROUPS IN THE MEMPHIS MSA LEARN HOW TO IDENTIFY AND REPORT APPRAISAL DISCRIMINATION. • CONSUMERS WHO HAVE EXPERIENCED APPRAISAL BIAS/DISCRIMINATION HAVE INTAKES COMPLETED AND THEIR ALLEGATIONS INVESTIGATED. • METHODOLOGY FOR CONDUCTING APPRAISAL BIAS TESTING AND INVESTIGATIVE ACTIVITIES IS UPDATED AND IMPLEMENTED. • NFHA GATHERS PUBLICLY AVAILABLE COMPLAINTS MADE AGAINST APPRAISERS OR APPRAISAL MANAGEMENT COMPANIES WITHIN THE MEMPHIS MSA. • MARKET SCANS OF APPRAISERS AND/OR APPRAISAL MANAGEMENT COMPANIES (AMC) LICENSED TO CONDUCT BUSINESS WITHIN SHELBY COUNTY, TN ARE IDENTIFIED, AND THEIR APPRAISALS ANALYZED. • RESIDENTIAL APPRAISAL TESTS ARE CONDUCTED TO DETERMINE IF APPRAISAL BIAS EXISTS IN SHELBY COUNTY, TN. • MAPPING SHOWS THE LOCATION OF HOMES IDENTIFIED BY APPRAISERS IN MEMPHIS TESTING ALONG WITH THE DEMOGRAPHICS OF THE NEIGHBORHOODS OF THE COMPARABLES USED. • APPRAISAL REPORTS OBTAINED THROUGH ENGAGING LOCAL CDCS DEVELOPING AFFORDABLE HOUSING IN MEMPHIS OR ENGAGING CONSUMERS THEY SUPPORT CAN BE USED FOR MAPPING AND ANALYSIS. • UTILITY THAT CAN BE PROMPTED TO IDENTIFY DISCRIMINATORY CONTENT ONLINE ON LISTING AND HOUSING RELATED WEBSITES IS CREATED AND USED BY OTHER QFHOS AROUND THE COUNTRY. • FAIR HOUSING COMPLAINTS ARE USED TO BOTH ENFORCE FAIR HOUSING LAWS AND TO ILLUSTRATE THE PROBLEMS WITH APPRAISAL BIAS. • NEWS RELEASES PUBLICIZE THE PROBLEM OF APPRAISAL BIAS AND SUGGEST PROPOSED SOLUTIONS. • PUBLIC OFFICIALS, LOCAL GOVERNMENTS, AND COMMUNITY, NEIGHBORHOOD, AND FAITH-BASED GROUPS UNDERSTAND AND CAN COMBAT APPRAISAL BIAS IN THEIR COMMUNITIES. D. INTENDED BENEFICIARIES: • UNDERSERVED POPULATIONS – MINIMALLY, BY CONDUCTING APPRAISAL INVESTIGATIONS, THIS PROJECT WILL BENEFIT HOMEOWNERS AND COMMUNITIES THAT HAVE EXPERIENCED A HISTORY OF UNDERVALUATION LEADING TO HISTORICAL WEALTH DISPARITIES WHEN COMPARED TO WHITE HOMEOWNERS.; INTENDED BENEFICIARIES: UNDERSERVED POPULATIONS – MINIMALLY, BY CONDUCTING APPRAISAL INVESTIGATIONS, THIS PROJECT WILL BENEFIT HOMEOWNERS AND COMMUNITIES THAT HAVE EXPERIENCED A HISTORY OF UNDERVALUATION LEADING TO HISTORICAL WEALTH DISPARITIES WHEN COMPARED TO WHITE HOMEOWNERS. • UNDERSERVED POPULATIONS – ALL RESIDENTS OF MEMPHIS, TN IN WHICH THERE IS NOT ADEQUATE ABILITY TO OTHERWISE PROVIDE SERVICES TO ADDRESS APPRAISAL DISCRIMINATION. • PEOPLE LIVING IN CENSUS TRACTS DEEMED AS HISTORICALLY MARGINALIZED AND OVERBURDENED BY POLLUTION AND UNDERINVESTMENT IN HOUSING, TRANSPORTATION, WATER AND WASTEWATER INFRASTRUCTURE, AND HEALTH CARE, AS DELINEATED BY THE CLIMATE ECONOMIC JUSTICE SCREENING TOOL. • VICTIMS OF APPRAISAL DISCRIMINATION. • MEMBERS OF ALL PROTECTED CLASSES. • HOMEOWNERS, PROSPECTIVE HOMEOWNERS, AND MORTGAGE LOAN APPLICANTS. • ALL RESIDENTS OF NEIGHBORHOODS THAT ARE UNDERVALUED DUE TO APPRAISAL DISCRIMINATION. • STAFF OF FAIR HOUSING ORGANIZATIONS. • GOVERNMENT OFFICIALS AND COMMUNITY STAKEHOLDERS.; SUBRECIPIENT ACTIVITIES: NONE

PURPOSE: TO ASSIST ORGANIZATIONS THAT ARE REGIONAL AND LOCAL, COMMUNITY BASED AND NATIONAL PROGRAMS, THAT DEVELOP, IMPLEMENT, CARRY OUT, OR COORDINATE PROGRAMS AND/OR ACTIVITIES TO EDUCATE THE PUBLIC ABOUT THEIR RIGHTS UNDER, THE FAIR HOUSING ACT (42 U.S.C. 3601-3619) OR ABOUT STATE OR LOCAL LAWS THAT PROVIDE SUBSTANTIALLY EQUIVALENT RIGHTS AND REMEDIES FOR ALLEGED DISCRIMINATORY HOUSING PRACTICES. AWARD DESCRIPTION SOURCE - ASSISTANCE LISTING FROM SAM.GOV; ACTIVITIES TO BE PERFORMED: NO VALUE PROVIDED; EXPECTED OUTCOMES: NO VALUE PROVIDED; INTENDED BENEFICIARIES: ANY PERSON OR GROUP OF PERSONS AGGRIEVED BY DISCRIMINATORY HOUSING PRACTICES BECAUSE OF RACE, COLOR, RELIGION, SEX DISABILITY FAMILIAL STATUS OR NATIONAL ORIGIN. ANY PERSON OR GROUP OF PERSONS, INCLUDING LANDLORDS OR REAL ESTATE AGENTS, TO PREVENT DISCRIMINATORY HOUSING PRACTICES BASED ON RACE, COLOR, RELIGION, SEX, DISABILITY, FAMILIAL STATUS OR NATIONAL ORIGIN. AWARD DESCRIPTION SOURCE - ASSISTANCE LISTING FROM SAM.GOV; SUBRECIPIENT ACTIVITIES: NO VALUE PROVIDED

PURPOSE: TO ASSIST ORGANIZATIONS THAT ARE REGIONAL AND LOCAL, COMMUNITY BASED AND NATIONAL PROGRAMS, THAT DEVELOP, IMPLEMENT, CARRY OUT, OR COORDINATE PROGRAMS AND/OR ACTIVITIES TO EDUCATE THE PUBLIC ABOUT THEIR RIGHTS UNDER, THE FAIR HOUSING ACT (42 U.S.C. 3601-3619) OR ABOUT STATE OR LOCAL LAWS THAT PROVIDE SUBSTANTIALLY EQUIVALENT RIGHTS AND REMEDIES FOR ALLEGED DISCRIMINATORY HOUSING PRACTICES. AWARD DESCRIPTION SOURCE - ASSISTANCE LISTING FROM SAM.GOV; ACTIVITIES TO BE PERFORMED: NO VALUE PROVIDED; EXPECTED OUTCOMES: NO VALUE PROVIDED; INTENDED BENEFICIARIES: ANY PERSON OR GROUP OF PERSONS AGGRIEVED BY DISCRIMINATORY HOUSING PRACTICES BECAUSE OF RACE, COLOR, RELIGION, SEX DISABILITY FAMILIAL STATUS OR NATIONAL ORIGIN. ANY PERSON OR GROUP OF PERSONS, INCLUDING LANDLORDS OR REAL ESTATE AGENTS, TO PREVENT DISCRIMINATORY HOUSING PRACTICES BASED ON RACE, COLOR, RELIGION, SEX, DISABILITY, FAMILIAL STATUS OR NATIONAL ORIGIN. AWARD DESCRIPTION SOURCE - ASSISTANCE LISTING FROM SAM.GOV; SUBRECIPIENT ACTIVITIES: NO VALUE PROVIDED

EDUCATION AND OUTREACH INITIATIVES

EDUCATION AND OUTREACH INITIATIVES

COMMUNITY COMPASS TECHNICAL ASSISTANCE AND CAPACITY BUILDING