ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

November 19, 2020

The Connecticut Fair Housing Center makes a commitment to fight on because too many people depend on us and our ability to fight for them. Neither the outcome of an election nor the spread of a deadly virus alters the fact that discrimination continues, and people are on the brink of losing their homes. Your support is needed now more than ever as we must fight on. #wefighton

What happened since November 12, 2020:

Since September 1, landlords have taken steps to move tenants out:

  • Landlords have filed 795 new summary process (eviction) cases in court.
  • 893 Motions for Default have been filed—A Motion for Default is filed when a tenant misses a court deadline or a court event. If the Motion for Default is granted, the tenant automatically loses the case, and the landlord can ask the court to issue an execution.
  • Landlords have requested 563 executions.
  • Courts have issued 293 executions—Once a court issues an execution, the landlord can hire a marshal to remove the tenant and their belongings from the unit.

TRHAP is Open: Tenants and landlords can apply online at www.chfa.org/trhap. However, the online form is still only available in English. Tenants who need assistance in Spanish and others who cannot apply online should call 1-860-785-3111 or 2-1-1. Tenants can check on the status of their application www.chfa.org/homeowners/trhap-submission-status-check. Tenants who are denied assistance may appeal by sending an email to TRHAPAPPEALS@ct.gov.

The TRHAP program began accepting new applications on Monday, October 26. Since the program began in July, the State has received more than 10,000 calls for assistance. Of that number, more than 1,100 tenants have completed a full application and more than 800 landlords have been paid back rent. Some landlords are refusing to participate in the program because the $4,000 available under TRHAP does not cover all the back rent owed.

Courts Begin Holding Remote Trials: The housing courts are now holding remote trials, despite the technological barriers many tenants face in accessing the courts by video or audio.

Public Access to Remote Court Proceedings Remains Limited: Since remote housing court proceedings began in September, the Judicial Branch has required that members of the public seeking to observe a proceeding present themselves in person at the courthouse and indicate that they want to observe a particular matter. The clerk, and possibly the judge, will be present in the courtroom while parties and counsel participate remotely. The Judicial Branch is not providing public links to observe proceedings via Microsoft Teams because of concerns regarding cybersecurity. The Judicial Branch is working on a mechanism whereby all matters will be live-streamed, but it is still in the planning stages.

Judge asks for an offer of proof when landlord challenges a CDC declaration:  In a case involving a tenant’s use of the CDC declaration to stop an eviction, a Maine judge found that the landlord had to make an “offer of proof” before the court would hold a hearing on the statements contained in a CDC declaration. In so deciding, the judge found that forcing a tenant to testify about the truth of the statements in the declaration without any proof that the statements were false, was inconsistent with the purpose of the CDC moratorium. The lawyer in that case relied on the Supreme Court case of Franks v. Delaware, 438 U.S. 154, 171, 98 S. Ct. 2674, 2684, 57 L. Ed. 2d 667 (1978) which held that “To mandate an evidentiary hearing, the challenger’s attack must be more than conclusory and must be supported by more than a mere desire to cross-examine. There must be allegations of deliberate falsehood or of reckless disregard for the truth, and those allegations must be accompanied by an offer of proof.”

Modifications to Connecticut eviction moratorium hurts tenants: On October 20, Governor Lamont issued Executive Order 9H, which changes the eviction moratorium issued just a few weeks ago. Instead of ensuring that the eviction moratorium covers most tenants, the new order places limits on the reach of the eviction moratorium at a time when the number of COVID-19 cases are increasing to levels not seen since early in the pandemic. There is a high risk that tenants and landlords will be confused about the reach of existing protections, and that some landlords will resort to intimidation to get tenants out. 

  1. Extends the Connecticut eviction moratorium to December 31, 2020 for some tenants;
  2. Requires landlords to serve a CDC declaration in both English and Spanish with any Notice to Quit permitted by E.O. 9H, except Notices to Quit for serious nuisance;
  3. Requires that any Notice to Quit or Complaint for a rental arrearage equal to or greater than six months’ worth of rent due on or after March 1, 2020 state the amount of the rent arrearage, the months for which rent was unpaid, and the amount unpaid for each of those months;
  4. Requires that any Notice to Quit for rent due on or before February 29, 2020 specify and recite the period of nonpayment; and
  5. Requires that any Notice to Quit based upon the bona fide intention by the landlord to use the unit for the landlord’s principal residence state that reason and specify the lease’s expiration date.

What should tenants do?

Tenants may not be covered by the Connecticut moratorium for various reasons, including that (1) their landlord filed an eviction case before the Connecticut moratorium began on April 10, 2020; (2) they owe rent that was due on or before February 29, 2020; (3) they owe six or more months’ worth of rent due on or after March 1, 2020; or (4) their lease has expired and the landlord has a bona fide intention to use the unit as the landlord’s primary residence.

  • CDC Moratorium: Tenants not covered by the Connecticut moratorium may still qualify for the federal CDC moratorium if they cannot pay their full rent or other housing payments because someone in their household lost income or has very expensive out-of-pocket medical bills. However, the CDC moratorium’s protection is not automatic. Tenants should begin by carefully reading the requirements a tenant must meet to qualify for the CDC moratorium. If every person over 18 in the household meets the requirements, then each of those people should fill out a CDC declaration and give each declaration to the landlord. Information about the declaration and how to create one is also available in Spanish. In addition, there are online forms here and here that can generate the CDC declaration. A summary of both the Connecticut and CDC moratoriums is available here.
  • Remote Court Dates: Courts are scheduling remote trials, hearings, and mediations. Tenants should receive a notice from the court when a court date is scheduled. Tenants can also confirm if they have an upcoming court date by looking up their case on the Judicial website. Once on their case page, they can also sign up for email alerts about their case. If a court date is scheduled, tenants must attend either by video or phone—even if they have already given their landlord a CDC declaration. Tenant should make sure to send their email address and phone number to the email address listed on the court notice so that the court can send them a link to join the meeting via video or phone.
  • Responding to Eviction Papers: Tenants should not ignore eviction papers, filing deadlines, or notices about remote court events. Courts have begun entering Default Judgments against tenants who fail to file forms on time or attend remote court events. Learn more about the eviction court process here.

Assistance for people without legal status: The State’s rental assistance program for people without legal status is now open. To access this assistance, tenants should contact Connecticut Institute for Refugees and Immigrants (CIRI) at 1-203-612-5464 or rentalassist@cirict.org. More program information is available here.

211: Additional government assistance may be available through programs administered by local organizations and municipalities. Tenants may call 2-1-1 to confirm what rent and housing assistance is available in their area.

Mortgage Foreclosure

Delinquencies at 80% of the Great Recession peak: A new report from Black Knight shows that 90-day delinquencies in September were within 80% of their Great Recession peak. These delinquencies are particularly high among FHA borrowers, who are disproportionately Black and Latinx, and FHA delinquencies overall are particularly high in Fairfield and New Haven Counties.

Homeownership makes all the difference in urban areas:  A recent report in CT Mirror, shows how homeownership can turn around deteriorating neighborhoods in urban areas. White residents in Connecticut are twice as likely to own a home than are people of color. Compared to other states, Connecticut has the second-largest gap for homeownership rates between its white and Latinx residents, the largest gap between mixed-race and white residents, and the 15th biggest gap between Black and white residents. Unfortunately, it is likely that racial inequalities in the housing market will increase after the pandemic ends.

Affidavit required for foreclosure filings:  On September 24, the Judicial Branch issued a Standing Order that prohibits any foreclosure action from being filed or moving forward unless the bank or mortgage company files an affidavit stating that the loan is not a federally backed mortgage, is vacant, or is not in forbearance. If the affidavit is not filed with the Court, then the case may be dismissed.

Judicial Branch is scheduling remote hearings in foreclosure cases:  Since the week of September 14, the Judicial Branch has been scheduling hearings in foreclosure cases where an execution has been requested, a hearing or status conference if necessary, and, in some circumstances, where the foreclosure has not proceeded as quickly as the court would like. If a hearing has been scheduled, the homeowner is supposed to receive notice from court staff providing instructions on how to participate in a remote hearing either by video or phone. 

What should homeowners do?

Foreclosure advice: The Center is holding Foreclosure Advice Virtual Sessions. Homeowners facing foreclosure can sign up for advice sessions over video or phone, and get some individualized questions answered in a way that they could at our in-person clinics or through the Judicial Branch’s Volunteer Attorney Program that we regularly staff during non-pandemic times. The program has been used by dozens of homeowners from across the state since it began this summer. Homeowners can sign up, answer a few short questions, and be set up with an appointment. These Sessions are in addition to the considerable number of videos and materials available at www.ctfairhousing.org.

Apply for T-MAP online:  The number of successful applications for the State’s TMAP program remains low. TMAP now has an on-line application in English. It has not yet been translated into Spanish. To apply for assistance by telephone, call 1-860-785-3111. For more information about the program, click here

New app to track COVID-19 cases: Connecticut has a new way for people to track the spread of the virus and to know if someone you have been in close contact with has tested positive for COVID-19. COVID Alert CT is a voluntary, anonymous, exposure-notification smartphone app. Users will get an alert if you were in close contact with someone who tests positive for COVID-19. Knowing about a potential exposure allows you to self-quarantine immediately, get tested, and reduce the potential exposure risk to your family, friends, neighbors, co-workers and others.

Utilities must continue to offer payment plans to customers:  Utilities must now extend the availability of the 24-month COVID-19 payment plans until February 9, 2021. Any customer can call their utility company to set up a payment arrangement. COVID-19 payment plans are:

Importantly, any customer enrolled in a COVID-19 Payment Plan who is current with their payment terms cannot be disconnected even after the shut-off moratoriums have concluded.

Filing exhibits in remote court proceedings: The Judicial Branch has not provided clear guidance on how self-represented parties can submit exhibits. The Judicial Branch has announced that, starting on November 16, 2020, attorneys without an exemption from electronic services must submit all exhibit documents in Civil and Family matters electronically in PDF format via the Judicial E-Services site. The notice states that electronic submission of exhibits will be optional for self-represented parties, but it does not provide instructions for how else self-represented parties may submit exhibits. Court notices sent to self-represented tenants with upcoming summary process (eviction) trials also fail to provide this information.

We have heard of the following court access problems: 

Outreach:

  • Center staff continue to participate in Facebook Live, community Zoom meetings, and tele-townhalls with legislative officials. If you would like our assistance reaching your constituency, please contact our outreach coordinator rrattray@ctfairhousing.org.

Resources for tenants and homeowners:

  • here for more information on the Connecticut and federal CDC moratoriums. 
  • here to understand current rights for homeowners in Spanish and English.
  • here to understand how fair housing can protect you during the COVID-19 crisis. (Our guidance is now available in 11 languages.)
  • The Rent Recalculation Request tool can be accessed here in Spanish and English.

More COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER @CTFAIRHOUSING FOR UPDATES THROUGHOUT THE DAY.

Foreclosure Advice Virtual Meetings

You can now access foreclosure prevention advice remotely

Image description: Miniature house sits on table on top of paperwork reading "Notice of Foreclosure," with gavel on top of paperwork.

If your home is at risk of foreclosure and you would like to speak with attorney about your options, you can schedule a free foreclosure advice virtual meeting here.

This is a free legal advice program for people whose home is at risk of foreclosure. This program for people who own their home or have an interest in their home such as an inheritance or a transfer because of a divorce. It is not for tenants, second homes, or investment properties. You will receive legal advice about representing yourself in your foreclosure case.

Eligible participants will be able to schedule 15-minute appointments on set dates with an attorney. Information you provide will be stored and, in anonymous form, may be used for public reports.

After answering some questions, you will be provided a link to schedule a virtual meeting. The virtual meeting will require an internet connection. If you need to conduct the meeting via telephone instead, an option will be provided for you.

Call for Fellowship Applications

The Connecticut Fair Housing Center seeks candidates to apply for a fellowship, such as school-funded, Equal Justice Works, Skadden, or CBF Singer Fellowships. The project must be focused on assisting underrepresented populations with respect to housing such as, but not limited to, eviction, fair housing, fair lending, or foreclosure issues. Please begin the process by submitting a letter of interest, resume, and brief description of your proposal to Pamela Heller via electronic mail: pheller@ctfairhousing.org

Candidates should be a graduate or expected graduate of an accredited law school. Fellowships generally are restricted to applicants who have never worked full-time in the nonprofit sector. Applications are due in Fall 2020 for fellowships beginning in Fall 2021.

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Teaching History of Fair Housing in Connecticut

Teach young Connecticut residents about the History of Race and Housing in our state!

The CT Fair Housing Center has developed educational materials on the history of race and housing in Connecticut that teachers may use in their school curriculum.

You can view and incorporate our presentations in your classes. They cover the racialized history of housing policies and practices in the United States throughout the 1900s, efforts of the Civil Rights movement to ensure equal access to housing, a fair housing timeline, legacies of historic housing discrimination, and contemporary housing challenges in Connecticut. The materials are designed for incorporation into lesson plans in a number of possible subject areas such as U.S. history, Social Studies, and African American Studies for Grades 4-12.

History of Fair Housing Timeline
History of Race and Housing in Connecticut

If you would like the Center to present in your classes or would like to learn more about how to incorporate our materials in your teaching, contact our Education & Outreach Coordinator at shussain@ctfairhousing.org.

Housing Rights of Transgender People in Connecticut

Connecticut Protects Housing Rights of Transgender Individuals (No Matter What the Federal Government Says)

Last week, the Trump Administration proposed a rule that would allow homeless shelter providers to discriminate against transgender individuals by allowing shelters to refuse to provide shelter in same-sex shelters in accordance with a person’s gender identity. This proposed rule would overturn Obama-era guidance that directed shelter providers to do the opposite.

Despite the Trump Administration’s continued assault on transgender individuals in health, education, employment, and housing, transgender individuals retain protected class status in Connecticut.

Since 2011, Connecticut has been one of few states in the nation that protects the civil rights of transgender individuals by prohibiting discrimination in housing. Connecticut’s anti-discrimination protections expressly prohibit discrimination based on gender identity or expression.

Discrimination against transgender individuals can take many forms, and may include housing providers asking intrusive and unnecessary questions about body parts or surgeries, shelter providers insisting that a transgender person accept shelter in a facility that does not correspond with the individual’s gender identity, and housing providers’ refusal to use a transgender individual’s correct name or pronouns. Housing discrimination against transgender applicants can also include more subtle “discrimination with a smile” that may be harder to detect, such as quoting a higher rental amount or charging a larger security deposit, showing fewer or less desirable apartments, or misrepresenting the availability of an apartment.

Under Connecticut law, homeless shelters in the state are required to provide housing to individuals seeking shelter that corresponds to their gender identity, regardless of sex assigned at birth. For example, all women, whether transgender or cisgender, must be allowed into women’s shelters. These laws help protect the dignity and safety of transgender individuals in housing.

Despite the 2011 law, housing providers—including homeless shelters—have continued to discriminate based on gender identity and expression. A 2015 investigation performed by the Connecticut Fair Housing Center revealed discrimination based on gender identity or expression in 100% of the test cases.

The Connecticut Fair Housing Center subsequently provided fair housing training to staff of the homeless shelter system in Connecticut, which has led to a reduction in discrimination in subsequent investigations.

There is a real chance that the Trump Administration’s proposed rule will cause confusion in Connecticut and lead to increased discrimination against transgender individuals as they seek shelter in the state. All housing providers, including homeless shelters, must understand that in Connecticut, the law remains unchanged: Connecticut prohibits discrimination based on gender identity and expression and prohibits shelters from refusing to provide shelter in accordance with a person’s gender identity.

People who believe they have experienced discrimination can report the discrimination to the Connecticut Fair Housing Center by calling (860) 247-4400 or sending an email to info@ctfairhousing.org.


Fair Housing COVID-19 Response 5.28.20

ADDRESSING CLIENTS’ NEEDS DURING THE COVID-19 PANDEMIC

May 28, 2020

The Center’s daily update will now be published weekly on Thursdays.

Important Deadlines:  There is no extension for paying June rent. If you did not pay April rent, that is due in June also.

Resources for tenants and homeowners:

  • Click here to understand current tenant rent relief options in Spanish and English.
  • Click here to find more details in our tenant FAQs.
  • Click here to understand current rights for homeowners in Spanish and English.
  • Click here to understand how fair housing can protect you during the COVID-19 crisis. (Recently added Tagalog and Khmer translations to our guidance now available in 11 languages.)
  • The Rent Recalculation Request tool can be accessed here in Spanish and English.
  • here.

What happened since May 21, 2020:

  • Unemployment numbers continue to surge: April’s unemployment numbers show that Connecticut lost 266,300 jobs in April. As a result, Labor Commissioner Kurt Wesby estimates that the unemployment rate in Connecticut is close to 17.5%. In contrast, Connecticut lost 120,000 jobs between March 2008 and January 2010, the period dubbed “The Great Recession.” For more on this story, click here.
  • Boston Federal Reserve Bank predicts a surge of missed rent and mortgage payments: The Federal Reserve projects that nearly 100,000 Connecticut homeowners and 170,000 renters are at risk of missing at least one rent or mortgage payment especially when federal unemployment benefits end in July. To read more about the ongoing need for rental and mortgage assistance, click here.
  • Mortgages in forbearance continue to grow: The mortgage industry company Black Knight reported that, as of the week ended May 7, 8.8% of all mortgages and 12.4% of FHA/VA mortgages are in forbearance. These totals plus recent projections by Black Knight make it likely that seriously delinquent mortgages (90+ days delinquent) will be worse than at the peak of the Great Recession (8.13% in Connecticut) by the fall. For more information on this story, click here.
  • Avalanche of evictions: The economic downturn caused by the COVID-19 pandemic is particularly hard on renters who are more likely to be lower-income and work hourly jobs cut during the pandemic. For more on who is likely to be unable to pay rent, click here.
  • Tenants paying rent in May but what about June: Stimulus funds in the form of enhanced unemployment and stimulus payments helped tenants pay rent in May, but it is unclear what will happen in June and July once those benefits begin to dry up. For more on what may happen to people who cannot pay the rent when eviction moratoriums and benefits end, click here.
  • CHFA instructs servicers on foreclosures, evictions, and payment forbearance: On May 22, CHFA instructed all of its servicers to: 1) halt all new foreclosure actions; 2) suspend all foreclosure actions currently in process (including the filing of any motions or proceeding with any pending matters in any way); and 3) cease all eviction and ejectment activity through June 30. In addition, it reminded services that the CARES Act authorizes payment forbearance for all requesting borrowers who affirm that they are experiencing financial hardship as a result of the current crisis and that no fees, penalties, or extra interest may be charged. For more information, click here.
  • Utility shut off moratorium is still in place: Utility companies in Connecticut are still not shutting off utilities. In addition, all have suspended late payment fees or interest charges to all accounts. Contact your local utility companies to find out about new services or creating a payment plan. Shut offs may resume on July 1.
  • Limited Court operations to resume in three counties: The Connecticut Judicial Branch is targeting the partial resumption of operations in three courthouses starting Monday, June 8, 2020, The three courthouses are: the Middlesex Judicial District Courthouse in Middletown, Rockville’s Geographical Area No. 19 Courthouse, and the Litchfield Judicial District Courthouse at Torrington. For information on the types of cases that will be heard and the rules for entering the courthouses, click here.
  • Call to Action: Tenants in Connecticut are calling on Governor Lamont to stop all evictions indefinitely and cancel the obligation to pay rent. Even before the COVID-19 pandemic and economic shutdown, over 50% of renters across the state were cost-burdened, paying more than 30% of their income on housing costs. Connecticut leads the nation in income inequality, and this burden is disproportionately shouldered by Black and brown communities: nearly 60% of Black renters and 55% of Hispanic renters are cost-burdened compared to 43% of white renters. For more information on tenants’ demands and to sign the petition, click here. To join the Cancel Rent CT Caravans happening on May 30 and to participate in the daily actions on Mondays and Wednesdays, click here.
  • Outreach: Staff continue to hold fair housing trainings and COVID-19 housing resource workshops via Zoom with social service agencies, direct service providers, and invested stakeholders. If your agency would find a short resource webinar or fair housing training helpful during this crisis please contact Shaznene Hussain, the Center’s Education and Outreach Coordinator, at shussain@ctfairhousing.org.  

More external COVID-19 resources can be found on our website here.

FOR MORE INFORMATION ABOUT YOUR FAIR HOUSING RIGHTS IN ENGLISH, SPANISH, MANDARIN, VIETNAMESE, FARSI, RUSSIAN, ITALIAN, KREYOL, ARABIC, KHMER, AND TAGALOG, CLICK HERE.

FOLLOW US ON FACEBOOK AND TWITTER (@CTFAIRHOUSING) FOR UPDATES THROUGHOUT THE DAY.

Request Rent Recalculation

If you live in low-income public housing or have a Housing Choice Voucher (Section 8) and you have lost income due to the Covid-19 health emergency, you can use this website to send a letter to the housing authority to report a change in your income and request that your rent be recalculated: https://ctfairhousing.org/rent/.

PRESS RELEASE: Protecting Civil & Human Rights During Covid-19 Public Health Crisis

FOR IMMEDIATE RELEASE

March 19, 2020

Contacts: Meg Dubois, CWEALF, mdubois@cwealf.org and Finn Darby-Hudgens, Connecticut Fair Housing Center, finn@ctfairhousing.org

Protecting Civil & Human Rights During Covid-19 Public Health Crisis

(Connecticut) Advocates and attorneys for under-served communities from across the state came together today, March 19, 2020, to send a letter to Governor Lamont that identifies a growing list of concerns for their clients during the Covid-19 public health care crisis. The letter lists concerns for several populations including people currently incarcerated, low-income workers, immigrants, people who are homeless, families with limited housing stability, people with disabilities, youth in the justice system, people in policed communities, people without health insurance, people in psychiatric facilities, people with food insecurities, and people without paid leave as the populations that will be most disproportionately impacted by the Covid-19 public health crisis.

The letter outlines provisions that the state should take as a part of their response to this pandemic. Recommendations include provisions for:

  • Improved workplace safety and paid sick days and paid leave for healthcare and frontline workers;
  • Protections for Connecticut residents currently being held in immigration detention centers outside of the state;
  • Real and effective eviction and foreclosure moratoriums to provide housing stability for low income;
  • A call for decarceration and “action for preventing lockdowns and solitary confinement; access to healthcare, hygiene supplies, schooling, and free phone calls;
  • A temporary suspension of termination for all federally reimbursed assistance programs;
  • Protections for pregnant women and uninsured children;
  • Increased access to the Internet for low-income youth

The signing organizations make a final plea to the state’s leadership for “transparency regarding membership of the state’s emergency response teams and daily, public briefings regarding the state’s emergency response plans for disproportionately impacted residents” and welcomes working in a coordinated way with the Governor’s emergency operation teams.

For comment and quotes on specific concerns referenced in the letter please follow the contact list link here to be directed towards the correct organization. It is our collective impact strategy to provide space for agency and industry experts to comment appropriately.

Important Notice on Covid-19 & Fair Housing Protections

In response to the Covid-19 pandemic, the Center is working to better understand and address any fair housing impacts of Covid-19.

FAIR HOUSING AND THE CURRENT COVID-19 PANDEMIC

The fair housing laws can protect people who are infected with Covid-19 and those who are perceived as being infected.

FAIR HOUSING, NATIONAL ORIGIN DISCRIMINATION AND COVID-19

The state and federal fair housing laws prohibit discrimination based on national origin. This means:

• It is illegal to deny you housing or shelter because you are from one of the countries most affected by Covid-19 or are perceived as being from such a country.

• It is illegal to have different rules for you than for everyone else because you are from one of the countries most affected by Covid-19 or are perceived as being from such a country.

• It is illegal for a landlord to send you a Notice to Quit or try to evict you because you are from one of the countries most affected by Covid-19 or are perceived as being from such a country.

FAIR HOUSING, DISABILITY AND COVID-19

State and federal fair housing laws prohibit discrimination based on disability. If you are infected with Covid-19, you are considered disabled under the state and federal fair housing laws and may be protected from discrimination.

• If you do not have Covid-19 but a landlord or housing provider denies you housing or shelter because they believe you have the virus, this is illegal and you should call the Center.

• If you do not have Covid-19 but a landlord or housing provider quarantines you or imposes different rules on you because they believe you have the virus, this is illegal and you should call the Center. If you have been diagnosed with Covid-19 and you have been denied housing or shelter or had different rules imposed on you should contact the Center so we can discuss and explain how the fair housing laws apply to your situation.

Please see our Notice on Fair Housing Protections against discrimination during this public health emergency. En Español: Vivienda Justa y Covid-19.

2020 Fair Lending & Mortgage Clinics

The Connecticut Fair Housing Center will hold a series of Fair Lending & Mortgage Clinics this year throughout the state. The clinics will address questions and concerns about applying for a home loan without discrimination, keeping a mortgage, and foreclosure prevention. The clinics are open to anyone applying for a home loan or any homeowner facing foreclosure. The clinics are FREE, and no pre-registration is required.

Clinic participants will receive information about fair lending laws, the home loan application process, the judicial foreclosure and mediation process, guidance on how to prepare and what documents to bring to court, and information about resources available to homeowners.

After the presentations, participants will also have the opportunity to meet with attorneys to discuss their individual situations.

A list of the clinic locations and dates is available here. If you have any questions, please let us know at info@ctfairhousing.org.

*NOTE: The Clinic scheduled on March 24, 2020, in partnership with the Mutual Housing Association of Greater Hartford, has been CANCELLED due to public health concerns related to Covid-19. We will do our best to reschedule this clinic at a later date.

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