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PART 100—DISCRIMINATORY CONDUCT UNDER THE FAIR HOUSING ACT›Subpart C—Discrimination in Residential Real Estate-Related Transactions

§ 100.125 Discrimination in the purchasing of loans.

24 C.F.R. Part 100 — Discriminatory Conduct Under the Fair Housing Act · 2026 edition · updated 2026-07-29 · United States

(a) It shall be unlawful for any person or entity engaged in the purchasing of loans or other debts or securities which support the purchase, construction, improvement, repair or maintenance of a dwelling, or which are secured by residential real estate, to refuse to purchase such loans, debts, or securities, or to impose different terms or conditions for such purchases, because of race, color, religion, sex, handicap, familial status, or national origin.

(b) Unlawful conduct under this section includes, but is not limited to:

(1) Purchasing loans or other debts or securities which relate to, or which are secured by dwellings in certain communities or neighborhoods but not in others because of the race, color, religion, sex, handicap, familial status, or national origin of persons in such neighborhoods or communities.

(2) Pooling or packaging loans or other debts or securities which relate to, or which are secured by, dwellings differently because of race, color, religion, sex, handicap, familial status, or national origin.

(3) Imposing or using different terms or conditions on the marketing or sale of securities issued on the basis of loans or other debts or securities which relate to, or which are secured by, dwellings because of race, color, religion, sex, handicap, familial status, or national origin.

(c) This section does not prevent consideration, in the purchasing of loans, of factors justified by business necessity, including requirements of Federal law, relating to a transaction's financial security or to protection against default or reduction of the value of the security. Thus, this provision would not preclude considerations employed in normal and prudent transactions, provided that no such factor may in any way relate to race, color, religion, sex, handicap, familial status or national origin.

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▸ Contents — 24 C.F.R. Part 100 — Discriminatory Conduct Under the Fair Housing Act
24 C.F.R. Part 100 — Discriminatory Conduct Under the Fair Housing Act
  1. 24 C.F.R. Part 100 — Discriminatory Conduct Under the Fair Hou…
  2. ▸ PART 100—DISCRIMINATORY CONDUCT UNDER THE FAIR HOUSING ACT
    Overview
    1. Subpart A—General
    2. Subpart B—Discriminatory Housing Practices
    3. ▸ Subpart C—Discrimination in Residential Real Estate-Related Tr…
      Overview
      1. § 100.110 Discriminatory practices in residential real estate-…
      2. § 100.115 Residential real estate-related transactions.
      3. § 100.120 Discrimination in the making of loans and in the pro…
      4. § 100.125 Discrimination in the purchasing of loans.
      5. § 100.130 Discrimination in the terms and conditions for makin…
      6. § 100.135 Unlawful practices in the selling, brokering, or app…
      7. § 100.140 General rules.
      8. § 100.141 Definitions.
      9. § 100.142 Types of information.
      10. § 100.143 Appropriate corrective action.
      11. § 100.144 Scope of privilege.
      12. § 100.145 Loss of privilege.
      13. § 100.146 Limited use of privileged information.
      14. § 100.147 Adjudication.
      15. § 100.148 Effective date.
    4. Subpart D—Prohibition Against Discrimination Because of Handicap
    5. Subpart E—Housing for Older Persons
    6. Subpart F—Interference, Coercion or Intimidation
    7. Subpart G—Discriminatory Effect
    8. Subpart H— Quid Pro Quo and Hostile Environment Harassment

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