Delphi Real Estate Globe Logo Delphi
 Home   Buy   Sell   Own   Legal   Credit   Contact Us 


Conduct (NYSAR)
One America (HUD)
Equal Housing
Fair Housing (HUD)
Ethics (NAR)
RE License Law (NY)
Agency Law (NY)

 Property Condition

Carbon Monoxide
Property Disclosure


Careers at Delphi
Occupation Outlook
Licensing information
Licensing Schools
Delphi Application

R.E. Terminology

In Westchester it's
Delphi Real Estate



Buy or Sell your home with ZipRealty, and save $$$

Dynamic Banner 1 125 X 125

Find a Lawyer - LegalMatch - Buy Gold & Silver

  Reference (pdf)

2011 NYS RE law
NYS Advertising regulation
Fair Housing Advertising

Fair Housing Act
HUD Fair Housing English
HUD Fair Housing Poster

Equal Housing Opportunity
Fair Housing Checklist
Fannie Mae Resources

HUD Fair Housing Spanish
HUD Poster Spanish

Section 8
Service/Assistance Animals
Home Guide NYC


HUD translated materials

US Communities

Equal Housing Opportunity
What everyone should know about Equal Opportunity in Housing

The Law

Equal Opportunity in Housing is the law of the land and the right of all in this country without regard to race, color, religion, sex, handicap, familial status, or national origin.

Civil Rights Act of 1866

The Civil Rights Act of 1866 provides that 'All citizens of the United States shall have the same right, in every State and Territory, as is enjoyed by white citizens thereof to inherit, purchase, lease, sell, hold and convey real and personal property." In the case of Jones vs. Mayer decided on June 17, 1968, the U.S. Supreme Court held that the 1866 law prohibits "all racial discrimination, private as well as public, in the sale or rental of property."

Fair Housing Act

The Federal Fair Housing Act declares a national policy of fair housing throughout the United States. The law makes illegal any discrimination in the sale, lease or rental of housing based on race, color, religion, sex, handicap, familial status or national origin. The law requires that all people be treated equally with respect to the terms or condi-tions of sale, purchase, lease or rental and prohibits making housing unavailable because of race, color, religion, sex, handicap, familial status or national origin.

Americans with Disabilities Act

Title III of the Americans with Disabilities Act prohibits discrimination against persons with disabilities in places of public accommodations and commercial facilities.

Equal Credit Opportunity Act

The Equal Credit Opportunity Act makes discrimination unlawful with respect to any aspect of a credit application on the basis of race, color, religion, national origin, sex, marital status, age or because all or part of the applicant's income derives from any public assistance program.

State and Local Laws

State and local laws often provide broader coverage and prohibit discrimination based on additional classes not covered by federal law.


The home seller, the home seeker, and the real estate professional all have rights and responsibilities under the law.

Home Sellers and Landlords

You should know that as a home seller or landlord you have a responsibility and a requirement under the law not to discriminate in the sale, rental and financing of property on the basis of race, color, religion, sex, handicap, familial status or national origin. You cannot instruct the licensed broker or salesperson acting as your agent to convey for you any limitations in the sale or rental, because the real estate professional is also bound by law not to discriminate on the basis of race, color, religion, sex, handi-cap, family status or national origin.

Under the law, a home seller or landlord cannot establish discriminatory terms or conditions in the purchase or rental; deny that housing is available for inspection, sale, or rent when in fact it is available or advertise that the property is available only to persons of a certain race, color, religion, sex, handicap, familial status or national origin.

Home Buyers and Seekers

You have the right to expect that housing will be available to you without discrimination or other limitations based on race, color, religion, sex, handicap, familial status, or national origin. This includes the right to expect:
• housing in your price range made available to you without discrimination
• equal professional service
• the opportunity to consider a broad range of housing choices
• no discriminatory limitations on communities or locations of housing
• no discrimination in the financing, appraising, or insuring of housing
• reasonable accommodations in rules, practices and procedures for persons with disabilities
• non-discriminatory terms and conditions for the sale, rental, financing, or insuring of a dwelling
• to be free from harassment or intimidation for exercising your fair housing rights.

Real Estate Professionals

As a home seller or home seeker, you should know that the term REALTORŪ identifies a licensed professional in real estate who is a member of the NATIONAL ASSOCIATION OF REALTORSŪ. Not all licensed real estate brokers and salespersons are members of the National Association, and only those who are can identify themselves as REALTORSŪ. They conduct their business and activities in accordance with a strict Code of Ethics.

As agents in a real estate transaction, licensed brokers or salespersons are prohibited by law from discriminating on the basis of race, color, religion, sex, handicap, familial status or national origin. A request from the home seller or landlord to act in a discrimi-natory manner in the sale, lease or rental cannot legally be fulfilled by the real estate professional.

RealtorŪ Equal Opportunity Program

The National Association of RealtorsŪ has developed a Fair Housing Program to provide resources and guidance to RealtorsŪ in ensuring equal professional services for all people.

RealtorŪ Code of Ethics

Article 10 of the National Association of RealtorsŪ Code of Ethics requires that "RealtorŪ shall not deny equal professional services to any person for reasons of race, color, religion, sex, handicap, familial status or national origin. REALTORSŪ shall not be a party to any plan or agreement to discriminate against a person or persons on the basis of race, color, religion, sex, handicap, familial status or national origin".

A RealtorŪ pledges to conduct business in keeping with the spirit and letter of the Code of Ethics. Article 10 imposes obligations upon REALTORSŪ and is also a firm statement of support for equal opportunity in housing.

RealtorŪ Voluntary Affirmative Marketing Agreement

The Voluntary Affirmative Marketing Agreement, negotiated with the U.S. Department of Housing and Urban Development outlines a program of voluntary compli-ance in which RealtorsŪ voluntarily agree to certain activities and programs to acquaint the community with the availability of equal housing opportunity, to establish office procedures to ensure that there is no denial of equal professional service, to make materials available which will explain this commitment and to work with other groups within the community to identify and remove barriers to fair housing.

If you believe that your rights have been violated contact:

U.S. Department of Housing and Urban Development (HUD)

New York City Regional Office
Jacob K. Javits Federal Building
(Broadway - between Duane & Worth Streets)
26 Federal Plaza, Room 3541
New York, New York 10278-0068
Phone: (212) 264-8000
Fax: (212) 264-2780
TTD: (212) 264-0927

Call the Local Board of REALTORSŪ

Local Boards of REALTORSŪ will accept complaints alleging violations of the Code of Ethics filed by a home seeker who alleges discriminatory treatment in the availability, purchase or rental of housing. Local Boards of REALTORSŪ have a responsibility to enforce the Code of Ethics through professional standards procedures and corrective action in cases where a violation of the Code of Ethics is proven to have occurred.

Delphi Realty Services,   36 Garth Road, Scarsdale, NY 10583.
Copyright Delphi Realty Services     --     Corrections / comments:   Email: e-mail:     Privacy Policy