§3603 Effective dates of certain prohibitions

Summary

Bans discrimination when people sell or rent homes and says which homes were covered and when. Right away, the ban applied to homes owned or run by the federal government. It also applied to homes paid for with federal loans, grants, or guarantees under agreements made after November 20, 1962, unless those loans or payments were paid in full before April 11, 1968. Having a mortgage held by an FDIC or FSLIC bank alone does not make a home covered. The ban also covered homes built or rebuilt on land taken from state or local agencies that got federal aid for slum clearance or urban renewal under contracts made after November 20, 1962. After December 31, 1968, the rule applied to all other homes except the specific exemptions in part (b). The rule in 3604(c) is not affected by those exemptions. Some sales and rentals are exempt under part (b). A private owner selling or renting a single-family house is usually exempt if they do not own more than three such houses at once. If the owner does not live in the house or was not the last resident, that exemption applies only once in any twenty-four month period. The owner also must not have any interest in or a right to proceeds from more than three such houses. After December 31, 1969, that exemption only applies if the sale or rental is done without using real estate brokers or people in the business of selling or renting homes and without publishing, posting, or mailing any advertisement or written notice that breaks the rule in 3604(c). Using lawyers or title professionals to finish the sale is allowed. Also exempt are rooms or units in buildings with no more than four separate families if the owner actually lives in one of the units. Part (c) defines “in the business of selling or renting” by three rules: doing three or more sales as the main party in the past 12 months; acting as an agent and providing sales or rental services in two or more transactions in the past 12 months (not counting sale of your own home); or owning a building meant for five or more families.