tailieunhanh - THE BANKS ARE BACK – OUR NEIGHBORHOODS ARE NOT: Discrimination in the Maintenance and Marketing of REO Properties

For more than two decades, Bank of America has aspired to environmental leadership in the financial services sector. In 2007, we announced a 10-year, $20 billion business initiative to address climate change through our lending, investing, products and services, and our own operations. This initiative is far more than doing good for its own sake — it has proven to be a long-term, compelling business opportunity for our clients, our company and our shareholders. Three years later, Bank of America has delivered tangible results that will have lasting effects on the communities and clients we serve. I am pleased to. | THE BANKS ARE BACK -OUR NEIGHBORHOODS ARE NOT Discrimination in the Maintenance and Marketing of REO Properties NFHA National Fair Housing Alliance National Fair Housing Alliance 1101 Vermont Avenue Suite 710 Washington DC 20005 202 898-1661 The work that provided the basis for this publication was supported by funding under a grant with the . Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government. Fannie Mae has supported NFHA s REO investigations since 2010 and provided a grant to support this investigation as well as to provide education to the real estate industry on promoting the sale of REO properties in compliance with the Fair Housing Act. NFHA and its partners also used their own resources to supplement and expand this investigation. NFHA would like to thank Freddie Mac for providing us with information on its best practices and helping us better understand the REO disposition process. Metro Fair Housing Services Inc. NORTH TEXAS FAIR HOUSING CENTER Housing Opportunities Project for Excellence Ine. NFHA National Fair Housing Alliance Executive Summary Introduction Background Methodology Findings Recommendations Conclusions 2 4 6 14 18 41 48

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