The purpose of the proposed project within… (FHOI230075) – Project Grant to National Fair Housing Alliance

Activities: • identify communities within memphis, TN that have been historically marginalized and overburdened by pollution and underinvestment. • provide technical assistance to at least 3 fair housing organizations throughout the U.S. That are conducting appraisal bias tests and/or investigative activities. • conduct outreach to at least 5 local community, housing, and faith-based groups in the memphis MSA. • conduct intakes, assist, and support consumers who have experienced appraisal bias/discrimination. • update methodology for conducting appraisal bias testing and investigative activities. • request incidents of publicly available complaints made against appraisers or appraisal management companies within the memphis MSA. • conduct market scan to identify appraisers and/or appraisal management companies (AMC) licensed to conduct business within shelby county, TN. • conduct 15 residential appraisal test parts within the memphis MSA. • map comparable homes identified by appraisers in memphis testing. • obtain at least 15 appraisal reports through engaging local cdcs developing affordable housing in memphis or engaging consumers they support. • develop and test a utility that can be prompted to identify discriminatory content online on listing and housing related websites. • develop and implement methodology for identifying real estate firms that underserve communities of color in memphis using publicly available data. • file meritorious fair housing act complaints with HUD, administrative agencies or in federal/state court, or refer them to the U.S. Department of justice. • issue news releases about allegations of fair housing act violations or of other civil rights laws, or settlements of complaints to media nationwide. • distribute information to public officials, local governments, and community, neighborhood, and faith-based groups in the project areas about violations of the fair housing act and barriers to fair housing.
Expected outcomes: 3 fair housing organizations can conduct appraisal bias tests and/or investigate incidents of appraisal bias. • five local community, housing, and faith-based groups in the memphis MSA learn how to identify and report appraisal discrimination. • consumers who have experienced appraisal bias/discrimination have intakes completed and their allegations investigated. • methodology for conducting appraisal bias testing and investigative activities is updated and implemented. • nfha gathers publicly available complaints made against appraisers or appraisal management companies within the memphis MSA. • market scans of appraisers and/or appraisal management companies (AMC) licensed to conduct business within shelby county, TN are identified, and their appraisals analyzed. • residential appraisal tests are conducted to determine if appraisal bias exists in shelby county, TN. • mapping shows the location of homes identified by appraisers in memphis testing along with the demographics of the neighborhoods of the comparables used. • appraisal reports obtained through engaging local cdcs developing affordable housing in memphis or engaging consumers they support can be used for mapping and analysis. • utility that can be prompted to identify discriminatory content online on listing and housing related websites is created and used by other qfhos around the country. • fair housing complaints are used to both enforce fair housing laws and to illustrate the problems with appraisal bias. • news releases publicize the problem of appraisal bias and suggest proposed solutions. • public officials, local governments, and community, neighborhood, and faith-based groups understand and can combat appraisal bias in their communities. D.
Intended beneficiaries: • underserved populations - minimally, by conducting appraisal investigations, this project will benefit homeowners and communities that have experienced a history of undervaluation leading to historical wealth disparities when compared to white homeowners.
Intended beneficiaries: Underserved populations - minimally, by conducting appraisal investigations, this project will benefit homeowners and communities that have experienced a history of undervaluation leading to historical wealth disparities when compared to white homeowners. • underserved populations - all residents of memphis, TN in which there is not adequate ability to otherwise provide services to address appraisal discrimination. • people living in census tracts deemed as historically marginalized and overburdened by pollution and underinvestment in housing, transportation, water and wastewater infrastructure, and health care, as delineated by the climate economic justice screening tool. • victims of appraisal discrimination. • members of all protected classes. • homeowners, prospective homeowners, and mortgage loan applicants. • all residents of neighborhoods that are undervalued due to appraisal discrimination. • staff of fair housing organizations. • government officials and community stakeholders.

Action	Obligated	Date
Amendment Fair housing organization initiatives	-$6,064	May 5, 2026
Original award	$260,000	Jul 30, 2024

The purpose of the proposed project within the fhoi community development component (CDC) is to expand nfha's ability to assist qfhos in identifying and investigating appraisal bias, investigate…

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