Fair Housing Series Part 6: The Racial Wealth Gap and the House That Built It.
And the House That Should Have Been Yours. By Eric Lawrence Frazier, MBA The single most important fact in the discussion of the racial wealth gap is this: the typical homeowner has a net worth approximately forty times greater than the typical renter. The Black-white wealth gap in America runs at roughly the same ratio. These […]
Fair Housing Series Part 5: Digital Redlining
Algorithmic Bias and the New Face of Housing Discrimination. By Eric Lawrence Frazier, MBA Every person who writes code brings their whole life to every line. Their education, their experience, their assumptions, their blind spots, and their cultural reality are present in every decision about what to measure, what to optimize, and what to treat […]
Fair Housing Series Part 4: HUD’s Enforcement Budget Has Been Cut.
Here Is What That Means for You. By Eric Lawrence Frazier, MBA The question of what HUD’s enforcement budget cuts mean for you is not abstract. It has a specific answer. And that answer begins with what you must do the moment you believe you have been discriminated against in a housing transaction. Document everything […]
Fair Housing Series Part 3: Disparate Impact Is Not a Theory. It Is a Law.
And It Is Under Active Attack. By Eric Lawrence Frazier, MBA Disparate impact is not a progressive legal theory. It is not an advocacy position. It is a doctrine of federal civil rights law, affirmed by the United States Supreme Court, that says a housing policy does not have to be explicitly discriminatory to be […]
Fair Housing Series Part 2: Fair Housing Act Was a Compromise
Here Is What It Left Out — and Why That Still Matters in 2026. By Eric Lawrence Frazier, MBA The word “fair” in Fair Housing has always meant something specific to me. Fair is not a legal term. It is the Golden Rule compressed into one syllable — treat others the way you want to […]
Fair Housing Series Part 1: The Architecture of Abandonment
How the Federal Government Is Dismantling Fair Housing in America By Eric Lawrence Frazier, MBA When I was young and looking for a place to live — as a renter first, then as a buyer — I did not know the Fair Housing Act existed. I did not know what housing discrimination looked like under […]
Fair Housing Series Part 1: The Architecture of Abandonment: Song
I didn’t know the law existed when they turned me away. I didn’t know my rights were real—I had nothing to say. The ignorance I carried was a gift to those who lied. They counted on my silence, and for years, I complied. But every door they closed on me became a lesson learned. […]
