24 C.F.R. § 100.110
§ 100.110 Discriminatory practices in residential real estate-related transactions. (24 CFR Part 100)
Operative Text
(a) This subpart provides the Department's interpretation of the conduct that is unlawful housing discrimination under section 805 of the Fair Housing Act. (b) It shall be unlawful for any person or other entity whose business includes engaging in residential real estate-related transactions to discriminate against any person in making available such a transaction, or in the terms or conditions of such a transaction, because of race, color, religion, sex, handicap, familial status, or national origin.
Section 100.110 of 24 CFR Part 100 establishes that anyone whose business involves residential real estate transactions — such as making loans, selling, or brokering property — is prohibited from treating people differently based on race, color, religion, sex, disability, familial status, or national origin. This applies both to whether a transaction is made available at all and to the specific terms or conditions offered. The rule reflects HUD's interpretation of Section 805 of the Fair Housing Act and covers a broad range of transaction-related conduct.
Plain English — not legal advice.
Under § 100.110, lenders, brokers, property managers, and other real estate professionals who handle residential transactions are generally expected to apply consistent criteria when deciding whether to offer a transaction and what terms to attach to it, regardless of a person's protected characteristics. Compliant operators typically document their decision-making processes in ways that demonstrate uniform standards across applicants. Any policy or practice that results in different availability or terms based on race, color, religion, sex, disability, familial status, or national origin may be scrutinized under this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Section 100.110 gives individuals the right to be free from discrimination in residential real estate transactions — including loan offers, terms, and conditions — based on protected characteristics such as race, disability, or familial status. If a person believes they were denied a transaction or offered less favorable terms because of a protected characteristic, general enforcement paths include filing a complaint with HUD, raising the violation in a civil proceeding, or contacting a fair housing organization for guidance. Tenant-rights and fair housing groups can help individuals understand how this provision may apply to their circumstances.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 3, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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