On the recordSeptember 25, 1996
The Fair Housing Act makes no mention of property insurance. A reading of the legislative history of the act will disclose that Congress intentionally left out property insurance because insurance is a State regulated activity. Since the States regulate property insurance and have laws and regulations addressing unfair discrimination in property insurance, it was our conclusion that this is one area where HUD does not need to expend its resources. Moreover, the report language was included in response to testimony from the Department of Housing and Urban Development stating it had limited resources available for the FHIP Program. It was our thought that HUD should use its limited resources to address only those areas specifically mentioned in the law that include the sale, rental, and financing of housing and in the provision of brokerage services.
Source
govinfo.gov
