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					      FAIR HOUSING ACTION PLAN
              Housing and Community Development Programs




BBC RESEARCH & C ONSULTING                     F AIR H OUSING A CTION P LAN , P AGE 1
FAIR HOUSING ACTION PLAN.
State of Oregon

This is the State of Oregon’s Five-Year Strategic Plan and Fair Housing Action Plan (FHAP) to
address and mitigate impediments to fair housing choice that exist in the State of Oregon. This
Strategic Plan will be carried out by Oregon Housing and Community Services between 2006 and
2010.

This report begins with an introduction to fair housing and describes why a Fair Housing Action
Plan was developed for the State. It then discusses the impediments to fair housing choice that
were identified in Oregon through research conducted in early 2005. This report highlights the
current and past actions in the State to address and mitigate fair housing impediments. The
remainder of this report is dedicated to describing the State’s new Strategic Plan and the specific
actions that the State will undertake to reduce and eliminate fair housing impediments.

Why a State Fair Housing Plan?
Each year, the State of Oregon is eligible to receive federal Community Development Block
Grant (CDBG) funds from the U.S. Department of Housing & Urban Development (HUD).
These funds are used in communities throughout the State to improve housing and community
development conditions. HUD requires the State to complete several reports in order to receive
CDBG funds. One of these reports is called an Analysis of Impediments to Fair Housing Choice
or AI.

The AI has two distinct parts. The first is made up of research that is used to identify existing fair
housing impediments. Fair housing impediments can take many forms, which may include
discrimination of citizens when trying to obtain housing, land use and zoning barriers that
prohibit or discourage certain types of housing, and differential treatment of borrowers who are
applying for a mortgage, among other types of activities. The second part of the AI is a plan for
addressing the impediments that were identified in the research. This is made up of a multi-year
Strategic Plan and a single year FHAP.

The State of Oregon Analysis of Impediments to Fair Housing Choice report completed on May
27, 2005, details the research findings from the State study of fair housing impediments. This
document outlines the specific actions the State will undertake to address the fair housing
impediments identified in the 2005 AI.




BBC RESEARCH & C ONSULTING                                                F AIR H OUSING A CTION P LAN , P AGE 2
How the AI was Conducted
The State’s 2005 AI employed many methods to analyze and identify impediments to fair housing
choice that exist in the State. These included a demographic analysis; a citizen telephone survey;
a mail survey of stakeholders, citizen and stakeholder public forums; interviews with
stakeholders; an analysis of housing discrimination complaint data; an analysis of fair housing
legal cases; and a review of mortgage lending data.

    Demographic profile. This section of the AI provides a profile of the State’s racial, age,
     income and household composition to set the context for the fair housing analysis
     that follows.

    Citizen telephone survey. A telephone survey was conducted of 385 citizens living in
     nonentitlement areas in the State. This survey asked questions about citizens’
     awareness and knowledge of fair housing laws; their opinions about fair housing
     laws; if they had been discriminated against or knew someone who had; and what
     their course of action would be if they were faced with discrimination. Survey
     questions were presented as scenarios of different types of people seeking housing
     and experiencing various types of discrimination. This type of research was
     conducted to be statistically valid in the State’s nonentitlement areas. That is, the
     research is representative of the knowledge and views of the entire population in the
     State’s nonentitlement areas, within a margin of error.

    Stakeholder mail survey and interviews. A fair housing mail survey was distributed to over
     800 government officials, housing developers, social service providers, real estate
     professionals and lenders; 128 surveys were returned. A little less than half of the
     survey instruments returned were completed by lenders and real estate professionals.
     The survey was also available electronically using the Internet. In addition, in-
     person and telephone interviews were conducted with persons knowledgeable about
     fair housing conditions in the State. These interviews were conducted of fair
     housing organizations, housing providers, social service providers, advocacy groups,
     housing program administrators, legal services agencies and civil rights
     organizations.

    Fair housing forums. The State held four fair housing forums across Oregon to gather
     public and stakeholder input on fair housing issues. The forums were held in
     LaGrande, North Bend, Newberg and Grants Pass. Attendees of the forums included
     two citizens, a county commissioner, a county planning and zoning member, four
     residential property managers, one representative of an Indian Housing Authority
     and five representatives of social service/community agencies.

    Fair housing complaint and legal analysis. Using information gathered by the regional HUD
     office and the Fair Housing Council of Oregon (FHCO), we conducted a review of
     205 fair housing complaints received in Oregon between 1997 and 2002. The study
     team also reviewed the 295 cases of crimes motivated by prejudice in Oregon as
     reported by the Law Enforcement Data System (LEDS).




BBC RESEARCH & C ONSULTING                                                 F AIR H OUSING A CTION P LAN , P AGE 3
    Lending analysis. Finally, Home Mortgage Disclosure Act (HMDA) information,
     which contains racial and ethnic information on applicants for mortgage-related
     loans, was analyzed for lending institutions with home offices in nonentitlement
     areas in Oregon. These data represented approximately 13,750 lending transaction
     records of 17 financial institutions occurring during 2003.

What the AI Research Revealed
The fair housing impediments that were identified through the research conducted for the AI are
summarized below. Please refer to the complete 2005 Analysis of Impediments to Fair Housing
Choice located at http://www.ohcs.oregon.gov/OHCS/COM_PlanningPolicyResearch.shtml for a
comprehensive discussion of the impediments, as well as the research used to uncover them.

The most prominent fair housing impediments in Oregon’s nonentitlement areas include the
following:

Housing discrimination. According to the citizen telephone survey conducted for the 2005 AI,
more than one in 10 citizens in Oregon’s nonentitlement areas (13 percent) have
experienced housing discrimination. This means that almost 200,000 citizens of Oregon’s
nonentitlement areas believe they have experienced some form of housing discrimination.
In addition, 19 percent of survey respondents said someone they know has experienced
housing discrimination. And, 27 percent of respondents to the mail survey of
stakeholders said they know of someone experiencing discrimination in their
communities.

The telephone survey data suggest that citizens are most commonly discriminated against
because they have children, because of their gender and because of their race/ethnicity.
Fair housing complaint data show that most complaints allege discrimination based on
disability, familial status and national origin and race.

Lack of support for familial status protection. The citizen telephone survey found that support of
protections against discrimination based on familial status is low: Only 55 percent of
citizens in Oregon’s nonentitlement areas said they support laws to protect a woman with
a child from being discriminated against by landlords. Citizens’ support for other types of
fair housing protections averaged around 70 percent (except for lending discrimination,
which showed the highest level of support at 92 percent).

Lack of knowledge of complaint process. According to the telephone survey, citizens who have
experienced discrimination are most likely to “do nothing” about it, look for another
place to live or move. Just 22 percent take some type of action to resolve the
discrimination.

Zoning and land use barriers. Stakeholders who report that the closures of mobile home parks
for land redevelopment are displacing low-income and senior households and could
potentially reduce the supply of affordable housing in the State’s nonentitlement areas.
This barrier was identified by stakeholders in the State’s southwest, eastern and
northwest portions of the State during the interviews and public forums. Stakeholders in



BBC RESEARCH & C ONSULTING                                                     F AIR H OUSING A CTION P LAN , P AGE 4
southwest and eastern Oregon also identified slow and no-growth policies as fair housing
barriers because they have the potential to restrict the development of affordable housing
and economic growth. These comments occurred through the key person surveys,
interviews and forums.

Personal credit issues. An analysis of mortgage lending data in Oregon showed that minority loan
applicants (except for Asians) have higher mortgage loan denial rates than White applicants. The
primary reason for the denials is personal credit. Mail survey respondents identified “poor credit
histories of minority borrowers” as one of the most serious fair housing barriers for Oregon’s
minorities.

The exhibit below summarizes the fair housing impediments identified in the State 2005 AI along
with how they were identified.

Exhibit I-1.
Identification of Fair Housing Impediments


                                                    Citizen                     Fair                  Fair Housing
                                     Demographic   Telephone   Stakeholder    Housing   Stakeholder    Complaint      Legal       Lending
                                       Profile       Survey    M ail Survey   Forums     Interviews       Data        Cases       Analysis
Discrimination in the rental or
sale of housing                                       X             X                        X              X           X

Lack of support for familial
status protections                                    X                                                     X

Lack of knowledge about the fair
housing complaint process                             X             X                        X
Land use barriers                        X                                       X           X
Personal credit issues                                              X                                                                X



Source: BBC Research & Consulting.


How the State Has Addressed Fair Housing Issues
The prior section identified the impediments to fair housing choice that currently exist in Oregon.
These impediments would have undoubtedly been greater without the State’s recent efforts to
affirmatively further fair housing choice. Indeed, there is much good news about the state of fair
housing in Oregon. This section highlights this good news, describing the actions that the State
has undertaken to improve access to fair housing choice.

State of Oregon fair housing actions. The State of Oregon’s Housing and Community Services (OHCS)
collaborates with Oregon Economic and Community Development (OECDD) to partially fund
the Fair Housing Council of Oregon (FHCO). The FHCO is a nonprofit civil rights organization
that provides education and outreach activities enforcing the federal fair housing law, the State of
Oregon’s law and other city and county laws where applicable. The FHCO serves the State of
Oregon and Clark County, Washington, and it is the only Statewide organization offering
comprehensive services to people experiencing housing discrimination. Annually, the State
allocates $50,000 to the FHCO to carry out the majority of fair housing actions in Oregon’s
nonentitlement areas.




BBC RESEARCH & C ONSULTING                                                               F AIR H OUSING A CTION P LAN , P AGE 5
The State’s primary actions carried out by the FHCO are listed below. Please note that these
efforts are not the entirety of the State’s Fair Housing Action Plan, but rather examples of
collaboration between the State and FHCO.

Fair housing hotline. The FHCO is also an enforcement body and investigates any fair housing
complaints. FHCO has a toll-free fair housing hotline that screens complaints and tests
allegations. When receiving a call, staff determine the best method for assisting the client –
interviewing witnesses, conducting a fair housing test, surveying the housing or helping the caller
with a request for a reasonable accommodation. If testing is needed, the FHCO utilizes the more
than 100 fair housing testers in the State. Testers visit the site of the complaint and request the
same services. A difference in treatment between the individual filing the complaint and the test
individual can often pinpoint and resolve fair housing issues in the courts or administrative
systems. The FHCO also refers complainants to the following legal entities, after determining
which would best serve them with their situation: private attorneys, legal aid offices, the HUD
office of Fair Housing and Equal Opportunity (FHEO) and the State Civil Rights Division (part
of the Bureau of Labor and Industries).

Fair housing conference. Since 1997, the FHCO has conducted an annual fair housing forum in
April. The 2005 conference, “A Dream Deferred: Residential Segregation in Oregon,” had over
200 attendees from public, private and governmental sectors. The FHCO invited speakers and
panelists from all facets of the fair housing world including professors, service providers,
researchers, advocates and authors. The conference’s morning panel focused on historic
immigration patterns and how public policy has intentionally or unintentionally institutionalized
segregation. The afternoon session discussed strategies for residential integration and what some
communities are doing to remove barriers to integration.

Education and outreach. The FHCO has conducted specific education and outreach activities in the
State’s nonentitlement areas to assist the State in affirmatively furthering fair housing choice.

Recent educational and outreach activities include:

    Educating new landlords and CDBG recipients about fair housing laws by
     distributing 1,500 resource packages Statewide;

    Continuing to coordinate the annual Fair Housing Poster Contest in schools around
     the State in an effort to educate children and families about fair housing - winning
     posters are distributed in the nonentitlement areas;

    Publishing a quarterly newsletter, Promise of Opportunity, and increasing the
     number of subscribers;

    Attending meetings to discuss fair housing, provide input on policies and network;
     and

    Distributing brochures in public buildings, arranging public service announcements,
     and contacting local information and referral lines to describe the FHCO’s services.




BBC RESEARCH & C ONSULTING                                               F AIR H OUSING A CTION P LAN , P AGE 6
Education and Outreach Initiative Project. In 2005, the FHCO and Legal Aid Services of Oregon were
recently awarded $79,588 through HUD’s Fair Housing Initiatives Program (FHIP). Education
and outreach activities funded by this grant will target the immigrant community, housing
developers, governmental jurisdictions, real estate personnel, people with disabilities and rural
residents. The majority of education and outreach projects utilize common medias in an
innovative fashion. For example, this project will create a tool on real estate multiple listing
services that allows users to identify accessible features in a home. The FHCO will also produce
12 cable programs aired in the Metro Portland region that discuss fair housing, as well as 12 live
radio interviews where people call in with questions from anywhere in the State.

Private Enforcement Initiative Project. In 2005, the FHCO received another FHIP grant of
$219,931 for fair housing enforcement. The grant will focus on outreach and intake of
immigrants and refugee populations, rural residents and individuals who are experiencing
homelessness due to housing discrimination. During the grant period, the FHCO will
meet specific performance measures such as:

    Evaluate at least 600 hotline calls;

    Perform 250 rental and sales transaction audits in five counties;

    Perform 57 design and construction accessibility audits in targeted areas;

    Assist at least 75 callers with disabilities regarding the reasonable accommodation
     process; and

    Meet with representatives of 19 rural counties to discuss barriers to affordable
     housing development.

FHCO service statistics. From July 1, 2004, to December 31, 2004, the FHCO assisted residents with
the following types of services:

    Hotline calls (786);

    Calls resulting in referrals and/or technical information (541);

    Complaint intakes on bona fide allegations of housing discrimination (244); and

    Housing tests (90).

Legislation to Achieve Substantial Equivalency. In its current form, the State of Oregon’s fair
housing law is not equivalent to the Federal Fair Housing Act (FHA). If the State
Legislature passes a new law that is “substantially equivalent,” a State agency would be
certified to enforce fair housing discrimination. Because the State law is not substantially
equivalent, complaints are now being referred to HUD. In general, local authority and
enforcement is more effective than enforcement from an outside entity.

HOME-Assisted Housing. OHCS requires HOME assisted housing with 5 or more units to market
housing units in an affirmative manner. The objective of this requirement is to provide


BBC RESEARCH & C ONSULTING                                                    F AIR H OUSING A CTION P LAN , P AGE 7
information and otherwise attract eligible persons from all racial, ethnic and gender groups in the
housing market area to the available housing units.

In soliciting tenants or purchasers, the owner must certify to maintain a fair housing policy which
does not discriminate against tenants or prospective tenants because of race, color, religion,
national origin, gender, physical and mental handicap, or familial status. The owner will take
actions to ensure that all tenants and prospective tenants receive equal treatment in all terms and
conditions of residency.

In the event that an owner fails to comply with the affirmative marketing requirements, then the
owner agrees to take corrective actions which include, but are not limited to, conducting
extensive outreach efforts on all future vacancies using appropriate contacts in order to achieve
occupancy goals. Should the owner still not comply with the affirmative marketing requirements,
the Housing and Community Services Department may impose other sanctions as deemed
necessary.


The owner further agrees that should a court having proper jurisdiction find that the owner has
discriminated against any person or group, that this may result in the return of grant funds or such
other action as may be deemed appropriate by the U.S. Department of Housing and Urban
Development or their duly authorized representative.




The Manufactured Dwelling Park Community Relations (MDPCR) program has four main
goals1:

      To provide services and activities to support the improvement of manufactured
       dwelling park landlord and tenant relationships;

      To develop and implement a centralized resource referral program for tenants and
       landlords to encourage voluntary dispute resolution;

      To maintain a current list of manufactured dwelling parks in the State indicating the
       total number of spaces (as of April 2004, there are 1,448 parks and 65,154 spaces in
       Oregon); and

      To maintain a list of space vacancies in each park based on data provided by park
       owners.

Services are free and confidential. MDPCR offers facilitation, mediation and technical
assistance to owners and residents of manufactured homes. Exhibit I-2 shows the services
that were provided from 2003 to 2004. Almost half of the MDPCR services involved
providing information to owners or residents.


1
    http://www.ohcs.oregon.gov/OHCS/MDP_MainPage.shtml



BBC RESEARCH & C ONSULTING                                               F AIR H OUSING A CTION P LAN , P AGE 8
Exhibit I-2.                                     Services               Number        Percent
MDPCR Services Provided,
2003-2004
                                                 Provide information    1,536          46%
                                                 Group facilitation       562          17%
Source:
http://www.ohcs.oregon.gov/OHCS/MDP_MainPage.s   Case development          83           2%
html.
                                                 Community contacts       119           4%
                                                 Meeting facilitation     404          12%
                                                 Mediation                152           5%
                                                 Park visits              481          14%
                                                 Other                     26           1%
                                                 State Total            3,363         100%



Other fair housing actions. In addition to the actions detailed above, the State undertook the following
actions between 2001 and 2005:

       OHCS was instrumental in the establishment of the Fair Housing Collaborative,
        which brings together entities throughout the State that are interested and
        responsible for fair housing enforcement, education and affirmation;

       From 2003 to 2005, OHCS had a goal to increase ethnic or racial diversity of its
        single-family borrowers to at least 20 percent. During calendar year 2004, 15
        percent of borrowers were considered ethnically or racially diverse.

       The Oregon Department of Land Conservation and Development established 19
        planning goals for the State of Oregon. Goal 10 states that cities cannot discriminate
        against certain needed housing types. Cities must include the needed housing types
        in their plans, such as multifamily and manufactured homes. Specifically, Goal 10
        requires each city to determine current buildable land, project future residential
        needs, and plan and zone to fulfill the specific housing needs.

The State’s New Five-Year Strategic Plan and
Fair Housing Action Plan
For 2006 through 2010, the State of Oregon has established the following Five-Year Goals and
fair housing activities (“Actions”) to carry out its Fair Housing Action Plan.

Fair Housing Goals

Goal A: Reduce occurrences of fair housing discrimination by identifying and investigating
discriminatory activities, and educating citizens and stakeholders about fair housing laws.

Goal B: Increase citizens’ knowledge of how and where to address fair housing issues.

Goal C: Increase citizens’ knowledge of fair housing law, particularly awareness of familial status
protection.



BBC RESEARCH & C ONSULTING                                                  F AIR H OUSING A CTION P LAN , P AGE 9
Goal D: Increase State Agency knowledge about advising citizens with fair housing issues.

Goal E: Increase local jurisdictions’ understanding of how land use and zoning laws and policies
affect affordable housing development and housing opportunities.

Goal F: Increase citizens’ understanding and awareness of the personal impacts of credit in
obtaining rental housing and purchasing a home.

Action Plan to Achieve Goals

Action 1. Provide funding to the FHCO to conduct audits in targeted nonentitlement areas of the
State to determine discrimination based on familial status, race/ethnicity and disability. The areas
audited should be selected based on an analysis of complaint data received by the FHCO and
HUD from citizens in nonentitlement areas. We recommend that one of the initial audits be
conducted in Southwest Oregon, on the heels of the fair housing forums that were conducted for
the AI where stakeholders expressed concern about landlords disallowing companion animals.
Audits should also occur in areas of the State where no complaints have been received and there
is little knowledge of the types of discrimination that may exist.

     Performance measure: Conduct audits of each type of discrimination in two
      nonentitlement areas in the State annually. Use the audits to target educational fair
      housing campaigns, forums and information meetings with local officials.

     Timeframe: Conduct a series of 10 audits during a five-year period.

     Action item addresses Goal A.

Action 2. Based on an analysis of complaint data received by the FHCO and HUD from
citizens in nonentitlement areas, in addition to the audits recommended above, conduct
targeted campaigns or “road shows” to educate citizens, landlords, housing providers and
real estate professionals about specific issues of fair housing discrimination that are most
prevalent by area. Where possible, these campaigns should closely follow audits that
have uncovered discriminatory activities and identify areas where additional testing
should occur. These campaigns could take the form of public meetings, forums and
information meetings with local officials.

     Performance measure: Conduct campaigns/road shows in four nonentitlement areas
      in the State annually. We recommend the initial road shows be conducted in
      LaGrande and in Southwest Oregon – areas that were specifically requested during
      the forums conducted for the AI.

     Timeframe: Conduct a total of 20 campaigns during a five-year period.

     Action item addresses Goals A, B and C.

Action 3. Continue the educational and informational fair housing campaigns provided
by the FHCO. Actions include distribution of brochures and posters; arrangement of
public service announcements and radio interviews; and maintaining the FHCO website.


BBC RESEARCH & C ONSULTING                                              F AIR H OUSING A CTION P LAN , P AGE 10
    Performance measure and Timeframe: Report annually on the number of
     brochures and posters distributed, and public service announcements and radio
     interviews conducted by area in the State.

    Action item addresses Goal A, B and C.

Action 4. Continue producing “resource packages,” which include applicable fair
housing laws and regulations that are distributed to communities and landlords, including
but not limited to those that benefit from Federal and State funds. These packets contain
fair housing information for display to the public in city offices and in rental housing
developments.

    Performance measure and Timeframe: Continue to deliver 1,500 packets annually.

    Action item addresses Goal A, B and C.

Action 5. Continue the annual fair housing poster contest, which introduces fair housing
concepts to children through the State’s public and private schools. Continue using the
posters as fair housing educational materials in the State’s nonentitlement areas.

    Performance measure and Timeframe: Market the contest to 1,000 schools and/or
     related organizations annually. Consider increasing the profile of the awards event
     for students with winning posters and their parents, as well as for teachers and
     administrators at schools with the largest number of entries. Hold a series of
     educational forums and invite State contacts to present information on fair housing
     laws, State and Federal resources, and complaint taking and investigation processes.

    Action item addresses Goal A and B.

Action 6. Continue to assist with funding the production and distribution of the FHCO’s
quarterly newsletter on fair housing issues.

    Performance measure and Timeframe: The newsletter will reach at least 3,000
     people annually.

    Action item addresses all goals.

Action 7. Continue the Fair Housing Information Hotline, a toll-free resource for
answering citizens’ questions about fair housing issues and taking and processing fair
housing discrimination complaints.

    Performance measure and Timeframe: Take at least 50 hotline calls annually from
     citizens in nonentitlement areas.

    Action item addresses Goals A and B.

Action 8. Develop a fair housing resource list for distribution to all relevant State
agencies, identify contact people within the agencies and coordinate distribution of fair


BBC RESEARCH & C ONSULTING                                             F AIR H OUSING A CTION P LAN , P AGE 11
housing materials to these contacts. In addition, these contacts should receive notices of
any changes to fair housing laws and other relevant fair housing information. Agency
contacts should be employees who have direct contact with the public in any agency that
addresses housing and community development, community development finance or
social services.

    Performance measure: Develop a State Agency contact list; prepare and distribute
     basic fair housing informational materials (e.g., a quick reference guide) to the
     contacts and subgrantees, such as the regional housing center, public housing
     authorities (PHAs) and others with fair housing obligations. At a minimum, the
     information packet should contain information defining discrimination and advising
     citizens on what they should do about it. Hold an educational forum with all State
     contacts to introduce fair housing laws, State and Federal resources and the
     complaint taking and investigation process.

    Timeframe: Development of contact list and informational materials, completed
     before year-end 2006. For 2007 through 2010, maintain relationships with the
     contacts, monitor their success in providing information to citizens and hold
     additional informational/training sessions for the contacts, as needed.

    Action item addresses Goals B and D.

Action 9. Conduct a targeted mass media campaign in nonentitlement areas of the State
that focuses on educating citizens about familial status protection. The area of focus
should be determined through a review of complaint data and audits of targeted areas.

    Performance measure: Track the number and type of mass-media outlets including
     billboards, sides of buses, bus stops, public service announcements and radio/print
     interviews.

    Action item addresses Goals A, B and C.

Action 10. Make the AI and Action Plan available online to all towns in the State, State
agencies with housing programs and other appropriate groups. Meet with designated
representatives from State agencies with housing programs to discuss and solicit their
assistance and active participation in addressing the impediments identified.

    Performance measure and Timeframe: Online availability should occur in late
     2005.

    Action item addresses Goal D.

Action 11. The State and/or the FHCO will be available to representatives of 50 rural
communities to share information about the State AI, its findings and to assist with
mitigating barriers in nonentitlement areas, including land use and zoning laws.




BBC RESEARCH & C ONSULTING                                            F AIR H OUSING A CTION P LAN , P AGE 12
    Performance measure and Timeframe: Meetings should occur in conjunction with
     the “road shows” and in response to requests made after distribution of the AI. The
     State should conduct meetings with 10 jurisdictions annually.

    Action item addresses Goals D and E.

Action 12. Research options about how the State can assist with displacement issues
related to mobile park closures and redevelopment. Investigate how other states have
passed laws to address this issue (Washington, Vermont) and their success.

    Performance measure and Timeframe: Prepare a memorandum outlining the
     State’s options as well as policies used in other states by January 2006.

    Action item addresses Goal E.

Action 13. Investigate how to best develop and implement a financial literacy curriculum
in the State’s public schools at the junior high and high school levels. This curriculum
should address how personal credit can affect securing housing, educate students about
predatory lending and demonstrate good lending decisions.

    Performance measure and Timeframe: Have a recommended plan for curriculum
     development in place by January 2007.

    Action item addresses Goal F.

Action 14. Continue the Department of Business and Consumer Affairs anti-predatory
lending efforts, and augment them by identifying potential new funding sources (e.g.,
Freddie Mac’s “Don’t Borrow Trouble”).

    Performance measure and Timeframe: Identify potential new funding sources in
     2006.

    Action item addresses Goal F.

Action 15. Promote a model loan application process and determine how applicants
should be informed about existing resources to help repair or build their credit history.
Distribute this model process to lenders via “tool kits” and through training sessions for
their staff.

    Performance measure and Timeframe: Establish a model loan application process
     in 2006. Distribute the model process through training occurring in 2007 through
     2009, revising the process and trainings as needed throughout this period.

    Action item addresses Goal F.

Action 16. Continue the State’s Fair Housing Collaborative, which convenes regularly to discuss
and work towards resolving fair housing issues statewide.




BBC RESEARCH & C ONSULTING                                             F AIR H OUSING A CTION P LAN , P AGE 13
    Performance measure: The Collaborative will monitor the progress of the State’s
     Fair Housing Action Plan, support the State in completing the Plan, and receive
     briefings on current fair housing issues. Minutes will reflect the meetings’ contents
     and accomplishments.

    Timeframe: The Collaborative will meet at least four times per year through 2010.

    Action item addresses all goals.




BBC RESEARCH & C ONSULTING                                             F AIR H OUSING A CTION P LAN , P AGE 14
Fair Housing Action Plan and Performance Benchmarks


                                                                                                                                               Year of Activity                                 Performance M easures
  Goals and Activities                                                                                                           2005   2006    2007 2008 2009        2010              2005/ 2006                    Five Year

  Goal A. Reduce occurrences of fair housing discrimination
  Goal B. Increase citizens' knowledge of how and where to address fair housing issues
  Goal C. Increase citizens' knowledge of fair housing law, particularly awareness of familial status protection
  Goal D. Increase State Agency knowledge about advising citizens with fair housing issues
  Goal E. Increase local jurisdictions' understanding of how land use and zoning laws and policies affect affordable housing
  development and housing opportunities
  Goal F. Increase citizens' understanding and awareness of the personal impacts of credit in obtaining housing


                                                    Action Items to Support Goals
  1.         Conduct audits in targeted nonentitlement areas of the State to determine discrimination based on familial
             status, race/ ethnicity and disability                                                                               X      X       X      X      X       X                 2 tests                                   10 tests
  2.         Conduct targeted fair housing "road shows" on prevalent fair housing issues                                          X      X       X      X      X       X              4 road shows                              20 road shows
  3.         Produce fair housing brochures, posters, PSAs; maintain FHCO website                                                 X      X       X      X      X       X                                 As requested, needed
  4.         Produce fair housing "resource packages" and distribute to communities and landlords                                 X      X       X      X      X       X                  1500                                      7500
  5.         Continue the annual fair housing poster conference and awards banquet                                                X      X       X      X      X       X                           Publicize to 1,000 schools annually
  6.         Continue assisting with production of FHCO newsletter on fair housing                                                X      X       X      X      X       X                         Circulate 3,000 newsletters annually
  7.                                                                                                                                                                          50 calls from nonentitlement            250 calls from nonentitlement
             Continue the Fair Housing Hotline                                                                                    X      X       X      X      X       X                   areas                                   areas
  8.         Develop a fair housing resource list for State agencies/ agency contacts
                Create resource list/ fair housing materials packet                                                               X      X
                Identify agency contacts                                                                                          X      X
                Conduct training session with agency contacts                                                                            X
                Maintain contacts, training, information requests                                                                                X      X      X       X

  9.         Conduct a targeted mass media campaign in nonentitlement areas of the State, focusing on familial status
             protection                                                                                                                  X

  10.        Make the AI and Fair Housing Action Plan available online                                                            X
  11.        Be available to representatives of 50 rural communities to share information about the AI and fair housing
             impediments                                                                                                          X      X       X      X      X       X               10 meetings                              50 meetings
  12.                                                                                                                                                                           Memorandum prepared
             Research options for assisting with displacement issues related to mobile home park closures and redevelopment       X      X                                     outlining potential options

  13.        Investigate options for financial literacy curriculum in public schools                                                             X                                Plan in place in 2007
  14.                                                                                                                                                                        Identify new funding sources in
             Continue the Dept. of Business and Consumer Affairs anti-predatory lending efforts                                   X      X       X      X      X       X                  2006
  15.                                                                                                                                                                                                                     Distribute model process,
             Promote a model loan application process and determine how applicants should be informed about existing                                                                                                   revising process and conducted
             resources for credit repair/ rebuilding                                                                              X      X       X      X      X       X     Establish model process in 2006                  training as needed
  16.        Continue the State's Fair Housing Collaborative, which will monitor the Action Plan and support the State in         X      X       X      X      X       X        Hold 4 meetings per year                          20 meetings
             completing the Action Plan




BBC RESEARCH & C ONSULTING                                                                                                  F AIR H OUSING A CTION P LAN , P AGE 15

				
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Description: Southwest Oregon Real Estate document sample