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This Week in Washington

HUD awards nearly $1 million in CARES Act funding

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This Week in Washington
Monday, June 29, 2020

The Department of Housing and Urban Development (HUD) announced it will award $962,160 to 19 organizations to help combat COVID-19.

Fair Housing Assistance Program (FHAP) agencies in New York, Louisiana, Rhode Island, Iowa, Pennsylvania, Massachusetts, California, Texas, Indiana, Florida, Nebraska, Hawaii, South Carolina, Maryland, Michigan, Connecticut and New Jersey will receive the awards, which are funded through the CARES Act.

“The funds being awarded today will do much to help these organizations address potential fair housing issues related to COVID-19,” HUD Assistant Secretary for Fair Housing and Opportunity Anna Maria Farias said in a news release. “FHAP agencies not only have considerable knowledge about how the virus is affecting communities they serve, they are adept at making the most of financial resources they receive.”

The New York State Division of Human Rights is receiving $144,485 to fund the hiring of additional staff to address its backlog of cases that was created by the alteration of work processes because of COVID-19, and purchase technology that will improve the agency’s ability to function in a 100 percent remote environment.

The Louisiana Department of Justice is receiving $11,508 to fund the purchase of technology that will enable the agency to continue its operations in a 100 percent remote environment, including laptops, multifunction devices, and computer accessories for staff engaged in fair housing activities.

The Rhode Island Commission on Civil Rights is receiving $11,268 in funding to publish COVID-19 related fair housing notices in various media platforms, and to purchase technology that will allow the agency to operate in a 100 percent remote environment.

The Sioux City Human Rights Commission is receiving $39,186 to fund the hiring of additional staff to address its backlog of cases and assist in education and outreach, partner with community-based organizations to conduct education and outreach, and partner with the Fair Housing Center of Nebraska and Iowa to conduct COVID-19 related fair housing testing.

The Pittsburgh Commission on Human Relations is receiving $23,375 to fund the hiring of additional staff to address its backlog of cases and assist in education and outreach, and partner with the Fair Housing Partnership of Greater Pittsburgh to conduct COVID-19 related fair housing testing.

The Massachusetts Commission Against Discrimination is receiving $75,000 to fund the hiring of additional staff to address its backlog of cases, develop COVID-19 specific training content and outreach materials, and purchase technology to conduct the trainings.

The California Department of Fair Employment and Housing is receiving $83,228 to fund the hiring of additional staff to address its backlog of cases and to purchase technology that will allow the agency to improve the agency’s ability to operate in a 100 percent remote environment.

The Fort Worth Human Relations Commission is receiving $22,911 to partner with community partners and business leaders to develop and distribute COVID-19 specific outreach materials, develop a targeted social media campaign, and to purchase technology to operate in a 100 percent remote environment.

The Fort Wayne Metropolitan Human Relations Commission is receiving $17,810 to purchase technology that will allow the agency to improve its ability to operate in a 100 percent remote environment.

The Pinellas County Office of Human Rights is receiving $50,000 to develop COVID-19 specific training content and outreach materials in partnership with the International Association of Official Human Rights Agencies, which will produce national COVID-19 related fair housing training.

The Florida Commission on Human Relations is receiving $100,350 to hire staff to address the impact COVID-19 has on the timeliness of case processing and fair housing investigations, purchase protective equipment, and purchase technology that will enable it to operate in a 100 percent remote environment.

The Palm Beach County Office of Equal Opportunity is receiving $17,442 to purchase equipment that will allow it to function in a 100 percent remote environment, including laptops, printers, and scanners.

The Omaha Human Rights and Relations Department is receiving $13,661 to develop education and outreach materials, conduct a radio and television media advertising campaign, and to purchase technology that will allow the agency to improve the agency’s ability to operate in a 100 percent remote environment.

The Hawaii Civil Rights Commission is receiving $86,001 to hire a staff person to address the impact COVID-19 related loss of capacity has had on timely case processing and fair housing investigations.

The South Carolina Human Affairs Commission is receiving $50,703 to purchase technology that will allow it to function in a 100 percent remote environment, broadcast fair housing administrative hearings remotely, conduct an advertising campaign to educate the public on their COVID-19 specific fair housing rights and the state’s obligations, and purchase protective equipment.

The Maryland Commission on Civil Rights is receiving $11,180 to purchase technology that will improve the agency’s ability to function in a 100 percent remote environment.

The Michigan Department of Civil Rights is receiving $70,000 to partner with disability rights organizations to conduct an in-depth assessment of the short- and long-term impacts of COVID-19 on persons with disabilities, and partner with governmental organizations to provide education and outreach on COVID-19 and housing rights to migrant and seasonal farmworker communities and service providers.

The Connecticut Commission on Human Rights and Opportunities is receiving $22,093 to partner with community and state agencies to provide webinars on COVID-19 and fair housing, create a COVID-19 hotline and question box, purchase protective equipment for staff engaged in in-person fair housing related activities, and purchase technology that will enable it to function in a 100 percent remote environment.

The New Jersey Division on Civil Rights is receiving $111,956 to hire a staff person to address the impact COVID-19 related loss of capacity has had on timely case processing and fair housing investigations, hire a vendor to create and manage a social media and digital advertising campaign on fair housing rights as they relate to COVID-19, develop COVID-19 related education and outreach materials, and purchase technology that will improve its ability to function in a 100 percent remote environment.

Today's other top stories
HUD announces new leadership appointments
Class action suit filed against HUD over withheld FHIP funds
FHA releases policy retractions for single family-mortgage insurance
House amends, passes ‘trigger lead’ legislation
Pending home sales rise in May in all regions


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12 USC Section 2605 or Section 6 is titled Servicing of mortgage loans and administration of escrow accounts. It pertains to qualified written requests, notices of transfer of servicing and the administration of escrow accounts.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
An arrangement that involves a person who is in a position to refer business as part of a real estate settlement service and who has an interest in a settlement services provider.

In the arrangement, the person, who has either an affiliate relationship with or a direct or beneficial ownership interest of more than one percent in a settlement services provider, directly or indirectly refers business to that provider or influences a consumer to select that provider.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
A mortgage disclosure that lists all estimated charges and fees associated with your loan. In addition to fees and charges, it will list your loan amount, mortgage rate, loan term and estimated monthly payment. Your escrows due at closing for insurance and taxes will also be outlined. Mortgage lenders are legally required to provide a GFE within three days of receiving your application.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
Under RESPA Section 2605(e)(1)(B), a qualified written request is a written correspondence that includes: 1) the name and account of the borrower, or has enough information to allow the servicer identify that information; and 2) a statement of the reasons for the belief of the borrower that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.

A QWR cannot be written on a payment coupon or other payment medium supplied by the servicer.
12 USC Section 2609 or Section 10 is titled Limitation on requirement of advance deposits in escrow accounts. It governs escrow accounts including notifications and statements to borrowers. Section 10 also sets out penalties for those who violate the section.
RESPA Section 3 provides that a thing of value includes any payment, advance, funds, loan, service or other consideration

Regulation X says thing of value includes: monies, things, discounts, salaries, commissions, fees, duplicate payments of a charge, stock, dividends, distributions of partnership profits, franchise royalties, credits representing monies that may be paid at a future date, the opportunity to participate in a money-making program, retained or increased earnings, increased equity in a parent or subsidiary entity, special bank deposits or accounts, special or unusual banking terms, services of all types at special or free rates, sales or rentals at special prices or rates, lease or rental payments based in whole or in part on the amount of business referred, trips and payment of another person’s expenses or reduction in credit against an existing obligation.
A form used by a settlement or closing agent itemizing all charges imposed on a borrower and seller in a real estate transaction. This form represents the closing transaction and provides each party with a complete list of incoming and outgoing funds. RESPA requires the HUD-1 to be used as the standard real estate settlement form in all transactions in the U.S. involving federally related mortgage loans.
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