Race Discrimination Is Not Risk Discrimination: Why Disparate Impact Analysis of Homeowners Insurance Practices Is Here to Stay

摘要

On February 15, 2013, the US Department of Housing and Urban Development (HUD) issued a final rule on implementation of the Fair Housing Act's Discriminatory Effects Standard (the Rule). This regulation resolved some discrepancies among the federal courts of appeals regarding the proper analysis of disparate impact claims brought under the federal Fair Housing Act (FHA), which HUD, the US Department of Justice, and private individuals enforce through administrative and court proceedings.