The Neighborhood Housing and Community Development Office (NHCD) administers policies and supports nonprofits that take actions to affirmatively further fair housing choice and fair lending practices.

Fair Housing

Fair housing is a federally mandated right that prohibits discrimination in housing choice. The Federal Fair Housing Act protects anyone from being limited in their housing choice based on race, color, national origin, religion, gender/sex, familial status and disability. In Austin, the Local Fair Housing Ordinance protects all those in the categories of the Federal Fair Housing Act, but additionally includes: sexual orientation, gender identity, marital status, student status and age. View Fair Housing Program if you are having a problem.

Fair Lending

Discrimination in mortgage lending is also prohibited by the Federal Fair Housing Act. It is unlawful to engage in the following practices based on race, color, national origin, religion, sex, familial status or handicap (disability):

  • Refuse to make a mortgage loan
  • Refuse to provide information regarding loans
  • Impose different terms or conditions on a loan, such as different interest rates, points or fees
  • Discriminate in appraising property
  • Refuse to purchase a loan or set different terms or conditions for purchasing a loan


The City's Equal Employment and Fair Housing Office enforces Austin's Fair Housing Ordinance and investigates complaints of housing discrimination. Visit their website or call 512-974-3259 to find information about filing a complaint.