2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022

 
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2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
2022 National Conference

  Advancing Fair Housing to
  Build an Inclusive Economy

           July 17-19, 2022
     Grand Hyatt, Washington D.C.
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
From the Desk of the President and CEO

Welcome, fair housing friends, to the National Fair Housing Alliance’s (NFHA) 2022
National Conference. If you turn on the news or read media headlines, it is difficult to
ignore the reality that our nation is undergoing an extended moral stress test. We have
been hit hard by successive challenges. The COVID-19 pandemic has taken the lives of
over 1 million people in the U.S. alone and has spawned devastation and economic
dislocation throughout the country. We also continue to grapple with a racial reckoning
that unfolded after the murder of George Floyd and countless others by law enforcement.
We are shocked by acts of domestic terrorism, including the racially motivated mass
shooting in Buffalo in May. As more information about this horrific act unfolds, we are
learning more about how segregation facilitated this act of hate and violence. We also
understand more clearly how the segregation of resources, redlining, and disinvestment
is impacting Buffalo’s Black community, as the only full-service grocery store in the
neighborhood where the shooting occurred was shuttered until this past week. And, of
course, we were devastated by the senseless shooting of our children and teachers in
Uvalde. Amid these trials, we have been able to pull together as a nation to help, comfort,
and support one another. We have also been asking some very hard questions about
what type of society we really want to be. Each new crisis compels and challenges us to
take action so that we and our children can live in a nurturing, safe, healthy world.

As stressors multiply, the unfinished work to address racial inequalities, as well as disparities in housing and lending, has
been laid bare. A shrinking affordable rental housing market persists, racial homeownership and wealth gaps continue to
widen, and home prices are out of reach for far too many. Entrenched policies that discriminate based on race, national
origin, sex, familial status, disability, or LGBTQ+ status stubbornly endure, and access to credit by many would-be home
purchasers remains unobtainable. With a national economic picture this dishearteningly bleak, implementing equity- and
people-centered solutions will be critical to creating a healthy society, stabilizing communities, improving economic
outcomes, and making our nation more globally productive and competitive.

For the nation to begin healing from racial trauma, economic disparities, and persistent discrimination, we must implement
inclusive policies and solutions that allow everyone to thrive and live in healthy communities. NFHA’s national conference
will center around the policies, programs, and solutions that help achieve this end.

This year’s conference also brings together thought leaders and provides a fertile space to spur innovation and impactful
networking. Experts and activists will address solutions for ensuring an equitable recovery for communities of color and
assessing homeowner and rental assistance programs developed in response to the pandemic. Further, this conference
features trending topics such as appraisal reform; Special Purpose Credit Programs; First Generation Down Payment
Assistance Programs; the newest fair housing investigation and testing methodologies; state-of-the-art education and
outreach techniques; and the latest developments in building fair, explainable, transparent, and accessible technologies.

We value your participation and commitment to ensuring that the promise of fairness and equality that we claim as our
American birthright can be achieved. We can and will overcome the problems we face if we all focus on the dual
outcomes that the Fair Housing Act was passed to advance — eliminating housing discrimination and building diverse,
stable communities where people have ready access to the resources they need to thrive.

Sincerely,

Lisa Rice, President and CEO
National Fair Housing Alliance

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2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
COVID-19 Safety Protocols and Requirements

        •     Proof of COVID-19 Vaccination (and booster as appropriate) must be uploaded prior to check-in
              for the conference.

        •     Proof of negative COVID-19 test prior to travel must be uploaded prior to check-in for the
              conference.

        •     Daily COVID self-testing is required; please upload your test result each day. Your confirmation
              will be scanned prior to entry to the event.

        •     Temperature checks will be conducted when your test result is scanned each day.

        •     Upon a successful COVID test scan and temperature check, you will receive a new wrist band
              each day, which will allow you entry to all sessions that day. There is a different wrist band for
              each day of the conference.

        •     Wearing of N95 or KN95 masks over nose and mouth is required, except when eating or drinking;
              however, speakers will not wear masks while presenting. You should wear a new mask each day
              of the conference.

        •     You will be removed from a session if you are not wearing your mask properly; no refunds will be
              issued if you are removed from the event for non-compliance with COVID requirements.

        •     If you have any symptoms of illness or a positive COVID test, do not come to the event. Text
              703-623-0853 if you are ill and need assistance.

        NFHA’S Commitment to Accessibility

            The National Fair Housing Alliance is committed to providing the greatest accessibility within its
            means in all its projects, programs, meetings, and conferences. We are proud to partner once
            again this year with the World Institute on Disability (WID). Please visit the WID Concierge Desk
            located near check-in for assistance during the conference. For the safety and comfort of those
            with chemical and environmental sensitivities, please refrain from using any perfumed grooming
            products such as scented soaps, deodorants, perfumes, and colognes. In addition, it is essential
            that we maintain a smoke-free environment.

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                                        National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

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2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
Sponsorship

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2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
Conference Agenda

     SUNDAY, JULY 17

      1:30 PM – 1:45 PM | Welcome and Poetry Performance
        Location: Independence A

        Welcome — Keenya Robertson, Housing Opportunities Project for Excellence; Board
        Chair, National Fair Housing Alliance

        Poetry Performance — Pages Matam, Cultural Ambassador, National Fair Housing Alliance

      1:45 PM – 2:45 PM | Plenary Session

        More than Recovery: Ensuring Equitable Restoration for Communities of Color
        Location: Independence A

        Moderator:
            Susan Thomas, Melville Charitable Trust

        Speakers:
            Ismael Guerrero, President and CEO, Mercy Housing
            Tony Pickett, Chief Executive Officer, Grounded Solutions Network
            Lisa Rice, President and CEO, National Fair Housing Alliance
            Marietta Rodriguez, President and CEO, NeighborWorks
            Dr. Akilah Watkins-Butler, President and CEO, Center for Community Progress

        COVID-19 devastated communities of color, many of which had not bounced back from
        the foreclosure crisis and Great Recession at the time the national pandemic was
        declared. The current K-shaped recovery is further exacerbating economic inequality.

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
As a nation, we can either resign ourselves to allowing this disturbing pattern to continue
        or we can be change agents—dismantling unjust systems and designing and
        implementing solutions that ensure underserved groups emerge from the pandemic and
        economic crisis stronger and on firmer footing. Join the CEO Circle, a network of national
        fair housing and community development leaders of color, as they discuss on the ground
        solutions that can result in a more equitable recovery for COVID-19’s hardest-hit families
        and stimulate inclusive growth.

      2:45 PM – 3:00 PM | Break

      3:00 PM – 5:30 PM | Key Fair Housing Cases Update
        Location: Independence A

        Facilitators:
              Diane Houk, Emery Celli Brinckerhoff Abady Ward & Maazel, LLP
              Olatunde Johnson, Columbia Law

        Speakers:
            Christopher Brancart, Brancart & Brancart
            Scott Chang, National Fair Housing Alliance
            Megan Confer-Hammond, Fair Housing Partnership of Greater Pittsburgh
            Liza Cristol-Deman, Brancart & Brancart
            Laura Gaztambide-Arandes, Consumer Financial Protection Bureau
            Lynn Grosso, U.S. Dept. of Housing and Urban Development
            Reyna Lubin, Eisenberg & Baum, LLP
            Lila Miller, Relman Colfax PLLC
            Justin Monteiro, National Fair Housing Alliance
            Carrie Pagnucco, U.S. Department of Justice
            Caroline Peattie, Fair Housing Advocates of Northern California
            Sara Pratt, Relman Colfax, PLLC
            Kevin Quisenberry, Community Justice Project
            Brady Ripperger, Fair Housing Center of Central Indiana
            Keenya Robertson, President and CEO, HOPE Miami, FL
            Andrew Rozynski, Eisenberg & Baum, LLP
            Sam Shapiro, Emery Celli Brinckerhoff Abady Ward & Maazel, LLP

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
Yiyang Wu, Relman Colfax, PLLC
             Jay Young, Southwest Fair Housing Council

        A favorite feature, this annual update will review notable fair housing cases since
        October of 2021. This session will include case overviews, outcomes, and interviews
        with many of the fair housing advocates and attorneys directly involved in the
        investigating and litigation.

     MONDAY, JULY 18

      8:00 AM – 8:45 AM | Continental Breakfast
        Location: Independence Foyer

      9:00 AM – 9:30 AM | Fireside Chat
        Fair Algorithms as Pathways to an Inclusive Economy
        Location: Independence A

             Rohit Chopra, Director, Consumer Financial Protection Bureau
             Lisa Rice, President and CEO, National Fair Housing Alliance

        Past and present historical barriers, such as residential segregation, redlining, and the
        dual credit market, drive disparities in our housing and lending markets. People of color
        are either misrepresented or under-represented in data-driven algorithmic systems
        including automated underwriting, credit scoring, and risk-based pricing models.

        Moreover, data used to develop algorithmic models carry with it centuries of
        discriminatory practices. The bias is embedded in the data. Adopting consumer-
        centric fair algorithms can serve as a pathway to a more inclusive economy
        and advance equitable opportunities for all, especially people of color.

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
This discussion between CFPB Director Rohit Chopra and NFHA President CEO Lisa
        Rice will delve into policies and actions that can promote a fairer marketplace, increase
        transparency and explainability in algorithms, and foster economic growth.

      9:30 AM – 10:45 AM | Plenary
        Technology as the New Frontier in an Inclusive Economy
        Location: Independence A

        Moderator:
            Dr. Michael Akinwumi, Chief Tech Equity Officer, National Fair Housing Alliance

        Speakers:
            Jo Ann Barefoot, Alliance for Innovative Regulation
            Richard Cooperstein, Andrew Davidson & Co., Inc
            Melissa Koide, FinRegLabs
            Kareem Saleh, FairPlay AI

        Legacies of once-legal discriminatory policies by banks, insurance companies, and real
        estate brokers manifest in discriminatory data that drive housing systems that
        perpetuate segregation. While policies like redlining, blockbusting, racial zoning,
        steering, and restrictive covenants are no longer legal, their effects persist in housing
        data, and these data could covertly or inadvertently be used to perpetuate
        discrimination. Algorithmic systems like facial recognition, predictive policing, and
        credit scoring have been shown to put people of color at a disadvantage, and these
        systems have outcomes that collectively impede access to fair housing. Could
        technology be used to provide equitable access to housing and economic
        opportunities? Can we use technology to drive housing systems under which
        consumers have transparent and equitable access to housing and other economic
        opportunities? This panel discussion will explore how data-driven systems may serve
        as catalysts for impediments to inclusive housing systems.

      10:45 AM – 11:00 AM | Break

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
11:00 AM – 12:30 PM | Concurrent Workshop 1
        Forging Ahead in Uncertain Times
        Location: Independence BCDE

        Moderator:
            Ken Scott, Counsel, Relman Colfax, PLLC

        Speakers:
            Steve Dane, Dane Law LLC
            Jesselyn McCurdy, Leadership Conference
            Sarah Warbelow, Human Rights Campaign

        Recent Supreme Court and other court decisions have caused uncertainty about the path
        forward for civil rights for women, people of color, and other protected groups. This
        session will feature a discussion and Q&A with leading civil rights leaders on strategies
        to preserve and even advance rights for people and communities. These seasoned
        advocates will discuss lessons learned from previous struggles and how to develop
        strategies for achieving an equitable future.

      11:00 AM – 12:30 PM | Concurrent Workshop 2
        Boost Your Social Media: Framing the Narrative and Crafting Winning Messages to
        Influence Audiences and Increase Engagement
        Location: Farragut/Lafayette

        Moderator:
            Dr. Tiffany Manuel, The Case Made

        Speakers:
            Meghan Dellinger, The CauseWay Agency
            Nafia Khan Lee, HOPE Fair Housing Center
            Mark Luckie, NAACP Legal Defense Fund

        During the COVID-19 pandemic, as people were stuck inside their homes, many relied on
        social media for news, entertainment, and everything in between. Some of us could scroll
        endlessly through Facebook, Zoom, Instagram, Twitter, SnapChat, LinkedIn, and TikTok.

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
2022 National Conference - Advancing Fair Housing to Build an Inclusive Economy July 17-19, 2022
If there was a message to be shared, especially among younger generations, it was likely
        on one of the platforms. With so many different ways for outreach, is your organization
        utilizing them for education? If so, how does you use them, and are you reaching as many
        people as you would like? Do you know which platforms work best for your fair housing
        message, be it your calendar of events, your blog posts, press releases or research? How
        do you monitor and maintain your social media presence? In this workshop, you will learn
        not only how to set up your social media for various messages, but how to boost it
        through targeted marketing for maximum effectiveness for outreach that is more
        dynamic, impactful, and fun.

      11:00 AM – 12:30 PM | Concurrent Workshop 3
        Possibilities in Efficient Evidence-Gathering on Listing Sites
        (Open to NFHA operating members only)
        Location: Independence FGHI

        Moderator:
            Shivaughn Ferguson, National Fair Housing Alliance

        Speakers:
            Dr. Michael Akinwumi, National Fair Housing Alliance
            Diane Houk, Emery Celli Brinckerhoff Abady Ward & Maazel, LLP
            Justin Monteiro, National Fair Housing Alliance

        During this session, NFHA’s Enforcement and Tech Equity teams will explore fair
        housing investigations of today and yesterday, contrasting some of the “modern” impact
        cases NFHA and its members have brought—Fannie Mae, Meta f/k/a Facebook, and
        Redfin—with more “traditional” testing investigations. Jumping off from these modern
        cases, they leap into the future and explore some of the tools and technologies that fair
        housing centers of 2030 can leverage (today!, and they will explore how automated
        extraction can be used to create data sets from unstructured online data and analyzed
        for potential fair housing issues. They will focus on the real-life example of extracting
        data from property listings. They’ll wrap up by discussing both big picture ideas and baby
        steps that fair housing centers can take today to ensure their enforcement programs
        have the mindset and infrastructure to make this long-term change. We still need

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
classical testing, but the future requires investigators to adapt to confront a rapidly
        changing reality.

      12:30 PM – 2:30 PM | Fair Housing Awards Luncheon
        Poetry Performance — Pages Matam, Cultural Ambassador, National Fair Housing
        Alliance, introduced by Allan Lazo, Fair Housing Council of Oregon
        Sponsor Appreciation — John Petruszak, South Suburban Housing Center and 2nd VP
        of the NFHA Board of Directors
        Presentation of the President’s Award to Diane Cipollone — Lisa Rice, President and CEO,
        NFHA
        Membership Appeal — Daniel Bustamante, Greater Houston Fair Housing Center and
        NFHA Board Member

      2:30 PM – 3:00 PM | Break

      3:00 PM – 5:30 PM | Concurrent Workshop 1 (Two Parts)
        Location: Independence BCDE

        Keeping the Bank and Sherriff at Bay: Assessing Homeowner and Rental Assistance
        Programs Developed in Response to the COVID-19 Pandemic
        Early in the pandemic, advocates worked tirelessly to secure mortgage forbearance
        protections and long-term assistance through the Homeowner Assistance Fund to help
        distressed homeowners keep their homes, and Emergency Rental Assistance to stave
        off evictions for people hardest hit by COVID-19. These efforts have paid off: we have
        not seen the tsunami of foreclosures and evictions that many predicted would occur.
        Still, both programs have struggled to get off the ground and advocates continue to
        identify challenges and push for improvements. There are many lessons to be learned
        about how these programs were designed and administered at the federal level and
        how they have been implemented on the ground by states and localities.

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
Please join a two-part panel discussion to explore these program lessons and determine
        how best to ensure HAF and ERA-type programs can be more equitably designed and
        implemented moving forward.

        3:00 PM – 4:15 PM | Part 1: Homeowner Assistance Fund

        Opening Remarks: Courtney Hodapp, JP Morgan Chase

        Moderator:
            Debby Goldberg, National Fair Housing Alliance

        Speakers:
            Alia Fierro, U.S. House Financial Services Committee
            Will Corbett, U.S. Department of Treasury
            Dina Levy, New York Housing and Community Renewal
            Claudia Wilson Randall, Community Development Network of Maryland

        4:15 PM – 5:30 PM | Part 2: Emergency Rental Assistance Programs

        Moderator:
            Charles Rutheiser, Annie E. Casey Foundation

        Speakers:
            Erin Hahn, Texas Housers
            Monica Jefferson, Housing Opportunities Made Equal of VA, Inc.
            Vikram Patel, Community Legal Services

      3:00 PM – 5:30 PM | Concurrent Workshop 2 (Two Parts)
        Location: Farragut/Lafayette

        3:00 PM – 4:15 PM | Part 1: The Good, the Bad, and the Exceptional: Hosting
        Incredible Virtual Events that Wow!

        Moderator:
            Darlene English, National Fair Housing Alliance

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
Speakers:
            Elana Eden, Housing Rights Center
            Marley Hochendoner, Northwest Fair Housing Alliance
            Izzy Woodruff, National Fair Housing Alliance

        Over the course of the COVID-19 pandemic, organizations have had to make significant
        changes to how they disseminate information and promote fair housing education.
        However, this also provides new opportunities for dynamic outreach that engages with
        wider and varying audiences. What is a virtual event and how do you host one? What is
        the best platform to use? Be it Facebook Live, Zoom, Webex, GoToMeeting, or
        Tweetstorms, in this workshop you’ll learn how to streamline registrations, set clear
        goals, choose the right platform, troubleshoot, and make your virtual event accessible,
        inclusive, and incredible!

        4:15 PM – 5:30 PM | Part 2: From Art to Enforcement: Utilizing Creative Mediums to
        Amplify Your Fair Housing Message

        Speakers:
            Jordan Abbott, Data Analyst
            Megan Confer-Hammond, Fair Housing Partnership of Greater Pittsburgh
            Judy Metey, City of White Plains
            Sena Mourad Friedman, Toledo Fair Housing
            Harrison K. Smith, Artist

        Moderator:
            Caroline Peattie, Fair Housing Advocates of Northern California

        Robust Education and Outreach (E&O) efforts are essential to strong enforcement of
        the Fair Housing Act. Private fair housing organizations increase public awareness of
        discriminatory housing practices through E&O projects, including art. From exhibitions
        to documentary films, the arts can be used to elevate fair housing education and
        outreach to new heights and amplify the messaging in ways not previously considered.
        In this panel, presenters discuss how their projects created conversations and even
        enforcement actions, as well as promoted awareness of housing discrimination and
        unequal treatment in appraisals and the rental housing market. Time will be allotted
        for audience members to share ways they have used the creative arts to advance fair
        housing to make an inclusive economy.

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
3:00 PM – 5:30 PM | Concurrent Workshop 3
        Face Value: Legal Standards and Investigative Approaches for Uncovering and
        Assessing Appraisal Bias under the Fair Housing Act
        (Open to NFHA Operating Members only)
        Location: Independence FGHI

        Moderator:
            Cashauna Hill, Louisiana Fair Housing Action Center

        Speakers:
            Katina Combs, Metropolitan St. Louis Equal Housing & Opportunity Council
            Dr. Nathan Connolly, Johns Hopkins University
            Liza Cristol-Deman, Brancart & Brancart LLP
            Julia Howard-Gibbon, Fair Housing Advocates of Northern California
            Hugh J. McGlincy, U.S. Dept. of Housing and Urban Development

        Join a panel of fair housing advocates to learn how the law applies to appraisal
        discrimination and what is needed to investigate appraisal bias and bring meaningful
        enforcement. Part one of the panel will cover the legal framework regarding appraisal
        discrimination, including which laws and regulations apply to residential appraisals and
        appraisers and how they apply. Part one will also delve into existing case law and what
        fair housing attorneys are looking for in a good appraisal discrimination case.
        Part two will discuss approaches to investigating appraisal discrimination with this legal
        framework in mind. Panelists will focus on the elements needed to bring an enforcement
        action under the relevant laws, as well as obstacles that fair housing investigators may
        face during their investigations. The workshop will end with a facilitated case study
        breakout session. See NFHA’s recent federally-commissioned report for more
        information on bias and systemic barriers in real estate appraisals.

      5:30 PM – 7:30 PM | Reception
        Location: Independence A

                                                    13

                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
TUESDAY, JULY 19

      8:00 AM – 8:45 AM | Continental Breakfast
         Location: Independence Foyer

      9:00 AM – 12:30 PM | Plenary Sessions
        Location: Independence A

        9:00 AM – 10:00 AM | Fair and Affordable Homeownership: The Need to Expand
        Access through Equitable Opportunities

        Opening Remarks: Senator Sherrod Brown (D-Ohio)
        Introduction: Vincent Curry, Fair Housing Advocates Association

        Featured Remarks: Secretary Marcia L. Fudge, U.S. Department of Housing and Urban
        Development

        Fifty-four years after enactment of the landmark Fair Housing Act, the Black/White and
        Latino/White homeownership gaps are as large as they were when redlining was legal.
        Moreover, the homeownership rate for Asian American, Pacific Islander, and Native
        communities remains persistently lower than the rate for White households.
        Secretary Fudge will discuss the Biden/Harris Administration’s focus on creating
        racial equity in homeownership.

      10:00 AM – 10:15 AM | Break
        10:15 AM – 11:15 AM | Appraisal Reform Now! Strategies for Fair, Transparent, Data-
        Driven Valuations

        Opening Remarks: Congresswoman Maxine Waters (D-CA)

        Moderator:
            Faith Schwartz, Housing Finance Strategies

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
Speakers:
            Dr. Andre M. Perry, Senior Fellow, Brookings Institution
            Melody Taylor, Interagency Task Force on Property Appraisal and Valuation Equity
            (PAVE)
            Maureen Yap, National Fair Housing Alliance

        An appraisal is one of the keys to homeownership, and fair and unbiased appraisals are
        a critical component of the strategy to eliminate our country’s enormous racial gaps in
        homeownership and wealth. Recent findings have raised alarms about racial bias in
        the appraisal industry and identified serious flaws in the structure of the industry that
        may help perpetuate that bias.

        This session will explore those findings and discuss strategies for reforming the
        appraisal industry to ensure greater accuracy and fairness in appraisals.

      11:15 AM – 11:30 AM | Break
        11:30 AM – 12:30 PM | The Case for Race Conscious Solutions to Stop Housing
        Injustice: Special Purpose Credit Programs and Down Payment Assistance for
        First Generation Homeowners

        Moderator:
             Nikitra Bailey, National Fair Housing Alliance

        Opening Remarks: Senator Raphael Warnock (D-GA)

        Introduction: Gail Williams, Metro Fair Housing Services (Atlanta) and NFHA Board Member

        Speakers:
             Robert Broeksmit, Mortgage Bankers Association
             Patrice Ficklin, Consumer Financial Protection Bureau
             Ricardo Flores, Local Initiatives Support Corporation (LISC) San
             Diego Pamela Perry, Freddie Mac
        The Equal Credit Opportunity Act (ECOA) permits the use of Special Purpose Credit Programs
        (SPCPs) by for-profit and non-profit organizations to increase mortgage lending to underserved
        communities. Recently, HUD issued guidance stating SPCPs that comply with ECOA advance

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                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
the goals of the Fair Housing Act. The National Fair Housing Alliance and other racial
        justice groups have called for programs that benefit First-Generation homebuyers as a
        means of advancing equity. Researchers project there are millions of mortgage-ready
        borrowers of color who have not been able to adequately access credit.

        During this panel, you will hear from regulatory, non-profit, and housing finance
        leaders about ways existing tools can be catalysts for change and help close
        the racial homeownership and wealth gaps.

      12:30 PM | Conference Adjourns

                                                    16

                                       National Fair Housing Alliance
1331 Pennsylvania Ave., NW, Suite 650, Washington, D.C. 20004 | (202) 898-1661 | www.nationalfairhousing.org

                                  #NFHA2022NationalConference
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