Which statement describes federal enforcement involvement with FHA?

• A. The Federal Communications Commission
• B. The Environmental Protection Agency
• C. The Treasury Department
• D. The U.S. Department of Housing and Urban Development (HUD) and the Department of Justice, with state/local agencies also involved

Answer: (D)

Federal enforcement of FHA-related housing rules comes from HUD and the Department of Justice, with state and local agencies often involved in coordination and enforcement under state or local laws. The Federal Housing Administration is part of HUD, which administers the FHA loan program and enforces fair housing requirements through its own offices. The Department of Justice enforces civil rights protections under the Fair Housing Act, frequently taking legal action when discrimination is found. Local and state agencies collaborate to investigate complaints and enforce both federal and local fair housing laws. The other agencies listed regulate areas unrelated to FHA enforcement—communications, environment, and general finances—so they aren’t involved in enforcing FHA.