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NFHA honors recipients of the Brooke-Mondale Fair Housing Award

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All Rise
Wednesday, August 14, 2024

The National Fair Housing Alliance (NFHA) honored four individuals with the Edward W. Brooke and Walter F. Mondale Fair Housing Award for their work advancing fair housing, lending, and equitable opportunities to ensure underserved individuals and communities can access quality housing, credit, and insurance opportunities.

The 2024 recipients are Lee Porter, executive director of the Fair Housing Council of Northern New Jersey; Bernard Kleina, civil rights photographer and former director of HOPE Fair Housing Center; Cat Cloud, NFHA’s former chief operating officer and retiring senior advisor to the president and CEO; and Debby Goldberg, NFHA’s retired vice president of housing policy and special projects.

“Lee Porter, Bernie Kleina, Debby Goldberg and Cat Cloud embody the spirit of dedication and passion for fair housing and civil rights,” NFHA’s President and CEO Lisa Rice said in a release. “Their tireless efforts have not only advanced our understanding of housing challenges but also transformed lives by ensuring equal access to housing and financial services for underserved people and communities. We are honored to recognize them with the Edward W. Brooke and Walter F. Mondale Fair Housing Award. Their remarkable achievements inspire us all to continue advancing housing justice and equitable opportunities so that we can achieve a more just nation.”

Meet the Honorees

Porter directed what the U.S. Department of Housing and Urban Development described as one of the best fair housing councils in the nation. She played a role in establishing the Fair Housing Initiatives Program, a permanently funded federal program that provides direct support to non-profit civil rights fair housing agencies as well as other organizations that implement fair housing programming. Porter also helped found NFHA, serving on its board of directors for over a decade.

Kleina answered Dr. Martin Luther King, Jr.’s call for clergy to meet in Selma, Ala., following “Bloody Sunday” in March 1965. Here, Kleina took the first photograph of King in color and used his images to remind others of King’s vision. For over 40 years, Kleina pursued King’s dream of housing justice as director of the HOPE Fair Housing Center.

“Housing is at the heart of our struggle for equality,” Kleina said. He is also a founding member of NFHA and served on its board of directors.

Cloud began her service with HOPE Fair Housing Center in Illinois. She has served in numerous roles at NFHA including as chief operating officer. She was also responsible for developing, implementing and creating the first curriculums for Fair Housing School, NFHA’s comprehensive training and education program for fair housing professionals. Cloud’s leadership has helped NFHA to remain at the forefront of the fight to advance fair housing and reform the financial services industry. She led the development and implementation of most of NFHA’s national fair housing media campaigns which have secured over $200 million in donated media and well over 5 billion audience impressions.

Goldberg worked for 45 years to increase equity in the nation’s housing and financial services systems. She also worked on a study of mortgage lending patterns in D.C., which documented local banks’ failure to serve communities of color. She helped oversee the settlement of a landmark lawsuit against the federal banking regulators for their failure to enforce the Fair Housing Act. Goldberg also joined the staff of the Center for Community Change, including serving on the Federal Reserve’s consumer advisory council and the National Association of Insurance Commissioners. Following Hurricane Katrina, she became the director of the Hurricane Relief Project at NFHA and later served as the vice president of housing policy and special projects. She retired from NFHA in 2023.

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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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