HUD housing handbook: what it says and why it matters

Last updated 2026-07-09

What is the HUD housing handbook and what does it actually cover?

When people say "the HUD housing handbook," they almost always mean Handbook 7420.10G, formally the Housing Choice Voucher Program Guidebook. It runs hundreds of pages. It governs nearly every decision a public housing authority (PHA) makes in the housing choice voucher program: who gets on the waiting list, how rent gets calculated, what a unit must look like before a family moves in, and how a landlord gets paid. ^[1]

The handbook is not law by itself. The law is the United States Housing Act of 1937, amended many times since. The binding federal regulations sit in 24 CFR Part 982 and related subparts. The handbook is HUD's official guidance on how to apply those regulations day to day. PHAs are expected to follow it, and HUD leans on it when it audits local programs.

HUD publishes other handbooks too. Handbook 4000.1 covers FHA single-family mortgages. Handbook 4350.3 covers project-based multifamily housing. For anyone touching Section 8 vouchers as a tenant, landlord, or counselor, 7420.10G is the one that controls your situation.

A PHA's own Administrative Plan has to line up with HUD's handbook and regulations. The Admin Plan is where your local housing authority fills the gaps: local preferences, local payment standard amounts, and any extra screening rules the PHA adopted. Read both. The handbook sets the floor. The Admin Plan tells you what your specific PHA does on top of that floor. ^[2]

Where can you find and download HUD housing handbooks?

HUD keeps its handbooks on the HUD Clips system and hosts them at hud.gov. Handbook 7420.10G is a free PDF. Search "7420.10G" on HUD Clips and the current version comes up. Older versions sit in the archive, which matters if you're trying to understand a decision from a prior year. ^[1]

FHA's Handbook 4000.1 lives in the same system. HUD changes these handbooks through formal "Mortgagee Letters" (for FHA) or "PIH Notices" (for public and Indian housing programs, vouchers included). A PIH Notice can waive a handbook provision temporarily, extend a deadline, or clear up something vague. HUD issued a run of PIH notices during the COVID-19 period that changed inspection timelines, so you want to check for recent PIH notices on top of the base handbook text.

One practical tip. The PDF of 7420.10G has a table of contents and is searchable. Hit Ctrl+F for terms like "payment standard," "HAP contract," or "family obligation" and jump straight to the section instead of reading the whole thing. Cross-check the regulations at ecfr.gov under 24 CFR Part 982 to see the regulatory teeth behind each guidance provision. ^[3]

How does the handbook define eligibility for housing vouchers?

Handbook 7420.10G lays out who qualifies, who gets preference, and who can be denied. The core rules come from 24 CFR 982.201, and the handbook walks PHAs through each one. ^[4]

Income is the first gate. A family's gross annual income must fall at or below the income limit for their household size in their area. HUD sets these limits as percentages of Area Median Income (AMI): the very low income limit is 50% of AMI, and the extremely low income limit is 30% of AMI. At least 75% of new voucher admissions each year must go to families at or below 30% of AMI. ^[4]

Citizenship and immigration status is the second gate. At least one family member must be a U.S. citizen or a qualifying immigrant. A mixed household can still get assistance, but the benefit gets prorated. The handbook has a full chapter on it.

Criminal history is the messy part. PHAs must deny applicants evicted from federally assisted housing for drug-related criminal activity in the past three years. They must deny anyone on the lifetime sex offender registry. Past those two mandatory grounds, the handbook hands PHAs discretion. The Administrative Plan should spell out exactly what other criminal history triggers a denial and what appeal you get. If it doesn't, push back on that. ^[2]

After admission, the handbook covers family composition changes, reporting duties, and the ongoing obligations that can end your assistance if you ignore them.

What does the handbook say about payment standards and how rent gets calculated?

Payment standards are the dollar amounts PHAs use to figure the housing assistance payment (HAP) a landlord gets. PHAs set them locally, but the handbook requires them to land between 90% and 110% of HUD's published Fair Market Rents (FMRs) for the area, unless the PHA has HUD approval for a higher "exception payment standard" of up to 120% of FMR. ^[5]

HUD publishes new FMRs every October for hundreds of metro areas and non-metro counties. The FMR represents the 40th percentile of gross rents (rent plus utilities) for standard-quality units in the area. Some higher-cost metros use Small Area FMRs (SAFMRs), set at the ZIP code level instead of the metro level, so payment standards can swing hard inside a single metro.

Here is how the math actually runs. The PHA figures the gross rent of the unit (contract rent plus any utilities the tenant pays). It compares that to the payment standard. The family pays the higher of 30% of monthly adjusted income or 10% of monthly gross income, and the HAP covers the rest up to the payment standard. If gross rent tops the payment standard, the family eats the difference, but total family contribution cannot exceed 40% of monthly adjusted income at initial occupancy. ^[5][4]

Calculation element	Who it affects	Regulatory source
Payment standard (90-110% of FMR)	PHA, landlord, tenant	24 CFR 982.503
Family share minimum (30% adjusted income)	Tenant	24 CFR 982.305
40% of income cap at move-in	Tenant	24 CFR 982.508
HAP = Gross rent minus family share	Landlord receives this	24 CFR 982.451
Annual FMR publication (October)	Sets baseline	24 CFR 888.113

That table is the core logic behind every rental assistance calculation. The handbook walks PHAs through each step with worked examples.

One rule the handbook states plainly: a landlord cannot charge a voucher holder more than comparable unassisted tenants pay in the same complex. This rent reasonableness requirement applies when the lease is signed and again whenever a rent increase is requested. ^[5]

What are the handbook's rules for housing quality standards and inspections?

Before any HAP contract gets signed, the unit has to pass a Housing Quality Standards (HQS) inspection. The handbook spends serious space on HQS because it's one of the most common friction points between landlords and PHAs. The regulatory text sits at 24 CFR 982.401. ^[6]

HQS covers thirteen performance areas: sanitary facilities, food preparation and refuse disposal, space and security, thermal environment, illumination and electricity, structure and materials, interior air quality, water supply, lead-based paint, access, site and neighborhood conditions, sanitary conditions, and smoke detectors. Every item has to pass before a family moves in.

When a unit fails, the landlord gets a deadline to fix it. Failed items are sorted by severity. Emergency items (missing smoke detectors, gas leaks, no heat) must be fixed within 24 hours. Non-emergency items still have to be resolved, usually within 30 days. Miss the deadline and the HAP can be suspended or abated. ^[6]

The handbook also governs ongoing inspections. PHAs must inspect each assisted unit at least once every two years, more often if the unit has a failure history. Tenants can request an inspection if conditions slide. Landlords sometimes forget the duty to maintain the unit does not stop at move-in.

Since 2019, HUD has been phasing in a new inspection protocol called NSPIRE (National Standards for the Physical Inspection of Real Estate), which reorganizes the old HQS categories around the severity of health and safety risk. NSPIRE is now the inspection standard for many HUD programs. Ask your local PHA which protocol they use, because some transitioned earlier than others. ^[7]

What does the handbook say landlords must do to participate?

Federal law does not force landlords to accept vouchers, though some states and cities have source-of-income discrimination laws that do. Once a landlord chooses to participate, the handbook spells out the obligations clearly.

First, the landlord signs a Housing Assistance Payments (HAP) contract with the PHA, not with the tenant. The HAP contract is separate from the lease, and both have to be in place before the PHA sends a dime. The handbook sets required HAP contract provisions at 24 CFR 982.451 through 982.456. ^[6]

Once in, the landlord has to keep the unit in HQS condition throughout the tenancy, tell the PHA about any lease-term changes before they take effect, avoid charging the tenant extra rent or fees not in the approved lease, and give the PHA and tenant proper notice before ending tenancy under state law. The handbook is explicit that a landlord cannot evict a Section 8 tenant without following the lease and state eviction law. The HAP contract does not override the tenant's lease rights.

Here's the trade for landlords. Payment is reliable and comes straight from the PHA. HAP payments do not hinge on the tenant's behavior except in narrow cases. Against that you weigh the inspection requirement and the rent reasonableness ceiling. If you're weighing hud housing as a landlord, read the handbook's HAP contract chapter in full before you commit. Most landlords find the inspection paperwork annoying once and routine after that.

VoucherReady's landlord kit packages the handbook provisions landlords need at sign-up, including the HAP contract checklist and an HQS prep guide, for people who want to start without reading the full 400-page document.

How does portability work under the handbook?

Portability lets a voucher holder move into a different PHA's jurisdiction and keep the assistance. The rules come from 24 CFR 982.353 and get explained in Chapter 10 of 7420.10G. ^[8]

The mechanics: a family that has finished one year of residency in the issuing PHA's jurisdiction (or that meets an exception, like being a victim of domestic violence) can request to port their voucher to another jurisdiction. The issuing PHA either absorbs the cost directly or "bills" the receiving PHA, which then sets up the HAP contract locally using its own payment standards.

This matters in your wallet. Your HAP gets recalculated at the receiving PHA's payment standards, not the issuing PHA's. Move from a low-cost rural PHA to a high-cost city and you may find the new payment standard covers less of the rent, relative to local rents, than you counted on. The handbook requires receiving PHAs to accept incoming ports within their HUD-approved capacity, but nobody can force them past their funding. Some PHAs quietly discourage ports for exactly that reason.

For open Section 8 waiting lists, portability can be a strategy: get a voucher from a PHA with a shorter waitlist, clear the one-year residency or an exception, then port to where you actually want to live. It takes planning and patience. The handbook allows it outright.

What family obligations does the handbook impose on tenants?

The handbook gives a full chapter to family obligations, the rules a tenant must follow to keep the voucher. They flow from 24 CFR 982.551, and they're among the most consequential pages a tenant can read. ^[4]

The main obligations:

• Supply truthful and complete information to the PHA and HUD on request
• Allow the PHA and HUD to inspect the unit at reasonable times
• Not commit any serious violation of the lease
• Not engage in drug-related or violent criminal activity
• Not own or hold any interest in the unit (with narrow exceptions for homeownership programs)
• Use the unit only as the family's principal residence
• Notify the PHA when the family moves or household composition changes
• Not sublease the unit or assign the lease

A PHA can terminate assistance for breaking any of these. The handbook requires written notice and a chance at an informal hearing before termination. That hearing right carries weight. If you get a termination letter, request the hearing in writing right away, usually within 10 to 14 days depending on your PHA's policy.

The principal-residence rule gets enforced harder than many tenants expect. PHAs can and do audit utility usage, mail, and other records to confirm a tenant actually lives in the assisted unit. Long absences without notifying the PHA are grounds for termination.

How do PHAs get evaluated on handbook compliance?

HUD grades PHAs on program administration through the Section Eight Management Assessment Program, or SEMAP. SEMAP has 14 indicators covering things like selection from the waiting list, income determinations, payment standard amounts, HQS inspections, and lease-up rates. Based on the score, a PHA earns a rating of High Performer, Standard, or Troubled. ^[9]

A Troubled designation brings tighter HUD oversight and can trigger sanctions, including withheld administrative fees or a required corrective action plan. Tenants and landlords stuck with a Troubled PHA often see administrative slowdowns, late inspections, and payment problems. You can look up your PHA's SEMAP score through HUD's public systems, though the scores are not always current.

SEMAP indicator 1 requires the PHA to correctly determine applicant eligibility and income at admission. HUD pulls a sample of case files during reviews and checks them against handbook requirements. A pattern of errors gets flagged. The system is imperfect, but it puts real accountability pressure on PHAs to follow the handbook instead of deciding things ad hoc.

Think a PHA is consistently ignoring the handbook? File a complaint with HUD's Office of Public and Indian Housing (PIH). HUD Field Offices are the first escalation point. Results vary. Documenting the exact handbook provisions the PHA violated, with section numbers, gives your complaint far more weight.

What does the handbook say about special populations and exceptions?

Handbook 7420.10G carries specific provisions for several groups with different needs or legal protections.

Families fleeing domestic violence, dating violence, sexual assault, or stalking have protections under the Violence Against Women Act (VAWA). The handbook builds in VAWA requirements: the right to move immediately with a voucher even before finishing one year of tenancy, the right to have the PHA bifurcate (split) the household so the victim keeps the voucher while the abuser comes off the lease, and a ban on denying assistance based on VAWA-protected status. VAWA was reauthorized in 2022 and HUD updated program rules to match. ^[10]

Elderly and disabled families can get preferences in many PHAs' Administrative Plans and qualify for specific federally assisted housing. For low income senior housing, PHAs sometimes run separate elderly preference pools. The handbook allows this when the preference is written into the Admin Plan.

Homeless families and individuals get handbook treatment too. PHAs may adopt local preferences for applicants who are homeless, as the PHA defines that term in its Admin Plan. Some PHAs run dedicated homeless voucher programs funded by HUD set-asides, which carry their own program-specific guidance on top of the base handbook.

Non-citizen families, mentioned earlier, get a prorated benefit where only the qualifying members count toward the HAP. The handbook has detailed procedures for documenting immigration status and handling mixed-status households.

Are there other HUD handbooks that affect voucher holders or landlords?

Yes, and a few overlap in ways that trip people up.

Handbook 7465.1 covers the older Section 8 project-based certificate program, mostly historical now but relevant for older contracts still running. Handbook 4350.3 covers multifamily assisted housing management, including project-based Section 8 developments (which are different from tenant-based vouchers). Live in a project-based Section 8 property (subsidy attached to the apartment, not to you) and 4350.3 governs your situation more than 7420.10G does. ^[11]

Handbook 4000.1 is the FHA Single Family Housing Policy Handbook, aimed at mortgage lenders and homebuyers, not renters. There's one intersection: voucher holders in HUD's Homeownership Voucher Program apply the voucher toward mortgage costs instead of rent, and both 7420.10G and the homeownership program requirements apply.

HUD also issues Fair Housing guidance that overlaps handbook requirements. The Fair Housing Act bars discrimination based on race, color, religion, national origin, sex, disability, and familial status in any federally assisted housing. Handbook provisions layer on top of those protections, not instead of them. If a PHA or landlord action breaks both the handbook and the Fair Housing Act, a tenant has two avenues: HUD PIH for the handbook violation, and HUD's Office of Fair Housing and Equal Opportunity (FHEO) for the Fair Housing violation. ^[12]

To see the full picture of rental assistance programs, know which handbook governs which program before you look anything up. The voucher handbook covers tenant-based vouchers. The multifamily handbook covers project-based properties. The FHA handbook covers mortgage insurance. Three separate systems.

How often does HUD update its handbooks and how do you find recent changes?

HUD does not update handbooks on a fixed schedule. Major revisions get triggered by new legislation, big court decisions, or policy priorities from the sitting administration. The most recent major update to 7420.10G folded in changes from several rule-makings and statutory amendments. Between major revisions, HUD issues PIH Notices that modify or clarify specific sections. ^[1]

To stay current, subscribe to HUD's mailing lists at hud.gov. HUD runs a list specifically for PIH Notices that reaches housing authorities and advocates. You can also bookmark the HUD Clips page for the handbook and check it now and then. During periods of active policy change, like the early months of a new administration, PIH notices can arrive fast.

For landlords and tenants who don't read regulatory updates for fun, the practical answer is to lean on your PHA. A well-run PHA updates its Administrative Plan when HUD guidance changes and notifies affected families through its required communications. The PHA should be your first stop for questions about current rules. But if you land in a dispute with the PHA, knowing where to look in the handbook and the CFR yourself pays off.

VoucherReady tracks handbook updates and turns the relevant changes into plain-English summaries you can use alongside the official source when you need to verify something specific. For the authoritative version, always go to hud.gov directly.

How does a tenant or landlord actually use the handbook in a dispute?

The handbook earns its keep when something goes wrong. The PHA denied your application. The landlord says the HAP payment came up short. The inspector failed your unit for something that seems unfair. In each case, knowing the exact handbook section and CFR citation that governs the issue gives you standing to push back formally.

For tenants, the informal hearing right is your first tool. Under 24 CFR 982.554 and handbook Chapter 16, you can request an informal hearing before the PHA terminates your assistance or denies a request. At that hearing you can cite handbook provisions directly. "The handbook at section X requires the PHA to do Y before it can do Z" is a concrete argument a hearing officer has to address. ^[13]

For landlords, disputes usually turn on HAP payment calculations or abatements. If a PHA stops paying HAP because it says the unit failed HQS, and you think the inspection was wrong, you can request a re-inspection and cite 24 CFR 982.404 for what counts as a deficiency. If the PHA uses the wrong payment standard, point to 24 CFR 982.503.

Documentation is everything. Keep every written communication with the PHA, every inspection report, every notice. If you escalate to HUD, you need a paper trail showing what the PHA did and which handbook provision it broke. Oral promises from PHA staff do not override the written handbook. If a caseworker tells you something that contradicts the handbook, get it in writing and check it yourself. That's not cynical, just practical. PHAs run high staff turnover, and caseworkers sometimes give wrong information in good faith.

For section 8 houses for rent searches and negotiations, landlords who know the handbook's rent reasonableness and HAP contract rules move through approval faster and hit fewer surprises.

Frequently asked questions

What is HUD Handbook 7420.10G?

Handbook 7420.10G is HUD's official administrative guidebook for the Housing Choice Voucher (Section 8) program. It tells public housing authorities how to run the program: who qualifies, how rents are calculated, what inspections require, how landlords get paid, and how assistance can be terminated. It does not replace the regulations in 24 CFR Part 982, but it provides detailed operational guidance on applying them.

Is the HUD housing handbook legally binding on PHAs?

The handbook itself is guidance, not a regulation. The binding law is the United States Housing Act of 1937 and the regulations at 24 CFR Part 982. But PHAs are expected to follow the handbook, and HUD uses it when auditing performance through SEMAP. Straying from the handbook without a regulatory basis can trigger findings against a PHA. In practice it functions as binding for PHAs, even though courts treat it as guidance.

Where can I download the HUD Housing Choice Voucher Handbook for free?

The handbook is a free PDF through HUD Clips and directly from hud.gov. Search for "7420.10G" to find the current version. Archived older versions are available too. You do not need to register or pay for access. HUD updates the handbook periodically, so check the publication date on the version you download.

What is the difference between the HUD handbook and a PHA's Administrative Plan?

The HUD handbook is the federal floor: minimum standards every PHA must meet. A PHA's Administrative Plan is the local rulebook that fills in decisions the handbook leaves to PHA discretion, such as local preferences, specific screening criteria, and local payment standard amounts. The Admin Plan must stay consistent with the handbook and regulations but can be stricter. Read both for a complete picture of your local program.

Does the HUD handbook require landlords to accept Section 8 vouchers?

No. Federal law does not require landlords to accept housing vouchers. The handbook governs the program once a landlord chooses to participate, but there's no federal mandate to participate. Some states and cities (including California, New York City, and others) have source-of-income discrimination laws that do require acceptance. Check your state and local law to know whether a landlord in your area can legally refuse vouchers.

What happens if a unit fails an HQS inspection under the handbook?

Emergency deficiencies (gas leaks, missing smoke detectors, no heat) must be fixed within 24 hours. Non-emergency deficiencies typically must be fixed within 30 days. If the landlord doesn't correct deficiencies by the deadline, the PHA can abate (suspend) HAP payments. The tenant generally can't be held responsible for deficiencies the landlord caused. The handbook's HQS rules derive from 24 CFR 982.401 and 982.404.

How does the handbook handle portability when a voucher holder wants to move to another city?

Handbook 7420.10G Chapter 10 covers portability. A family that has completed one year in the issuing PHA's jurisdiction can port their voucher to another PHA's jurisdiction. Exceptions include domestic violence victims, who can port immediately. The receiving PHA applies its own payment standards. The issuing PHA either absorbs the cost or bills the receiving PHA. Some PHAs discourage porting over funding, but they cannot refuse a valid port within their capacity.

What rights do domestic violence survivors have under the HUD handbook?

The handbook builds in VAWA protections. Survivors can move immediately with their voucher without meeting the one-year tenancy requirement. The PHA can bifurcate the household so the survivor keeps the voucher and the abuser comes off the lease. PHAs cannot deny assistance solely because someone is a victim of domestic violence, dating violence, sexual assault, or stalking. These protections were strengthened in VAWA's 2022 reauthorization.

Can a tenant use the HUD handbook at an informal hearing to challenge a termination?

Yes. Tenants have the right to an informal hearing before assistance is terminated, under 24 CFR 982.554. At that hearing, citing specific handbook sections and CFR provisions is appropriate and effective. A hearing officer has to address arguments grounded in specific regulatory or handbook requirements. Document everything in writing and request the hearing as soon as you get a termination notice, usually within 10 to 14 days.

What is SEMAP and how does it relate to HUD handbook compliance?

SEMAP (Section Eight Management Assessment Program) is HUD's scoring system for PHA performance in running the voucher program. It has 14 indicators tied directly to handbook and regulatory requirements, covering income determinations, HQS inspections, payment standards, and more. PHAs rated Troubled face increased oversight. You can look up your PHA's SEMAP status through HUD's public databases, though the data isn't always current.

Does the HUD handbook cover the older project-based Section 8 program?

Not fully. Handbook 7420.10G covers tenant-based Housing Choice Vouchers. Project-based Section 8 multifamily housing (where the subsidy is tied to the apartment, not the tenant) is governed mainly by HUD Handbook 4350.3. If you live in a project-based Section 8 development, 4350.3 is the handbook that covers your landlord's obligations and your tenant rights in that property.

How does the handbook's rent reasonableness requirement protect tenants?

Under the handbook and 24 CFR 982.507, a PHA cannot approve a rent that tops what comparable unassisted units in the same area rent for. This blocks landlords from inflating rents for voucher holders above market rates. Rent reasonableness gets checked at move-in and whenever a rent increase is requested. A rent reasonableness determination compares the proposed rent to recent comparable unassisted rentals.

What are the income limits to qualify for a housing voucher according to the handbook?

The handbook requires a family's income to fall at or below 50% of Area Median Income (the very low income limit) to be eligible for a voucher. At least 75% of new voucher admissions each year must go to extremely low income families, defined as at or below 30% of AMI. HUD publishes updated AMI limits annually for every area, and PHAs must use the current published limits at eligibility.

What is the NSPIRE inspection standard and does it replace HQS in the handbook?

NSPIRE (National Standards for the Physical Inspection of Real Estate) is HUD's updated inspection protocol, which reorganizes the old HQS categories around health and safety risk severity. HUD has been phasing NSPIRE in across programs since 2023. Some PHAs have adopted it already; others are in transition. Check with your local PHA on which standard they use, because the specific inspection requirements differ from the traditional HQS categories.

Sources

1. HUD, Housing Choice Voucher Program Guidebook 7420.10G: Handbook 7420.10G is HUD's official administrative guidebook for the Housing Choice Voucher program, covering eligibility, payment standards, inspections, and HAP contracts.
2. HUD, Office of Public and Indian Housing, Administrative Plan Guidance: A PHA's Administrative Plan must be consistent with HUD handbook and regulations; mandatory denial grounds include lifetime sex offender registration and eviction for drug-related activity in the past three years.
3. eCFR, 24 CFR Part 982 (Section 8 Tenant-Based Assistance): The binding federal regulations for the Housing Choice Voucher program are codified at 24 CFR Part 982.
4. eCFR, 24 CFR 982.201 and 982.551 (Eligibility and Family Obligations): At least 75% of new voucher admissions each year must go to families at or below 30% of AMI; family obligations include truthful reporting, principal residency, and prohibition on subleasing.
5. HUD, Fair Market Rents and Payment Standards (24 CFR 982.503, 982.508): Payment standards must fall within 90% to 110% of HUD's FMRs; family total contribution cannot exceed 40% of monthly adjusted income at initial occupancy; rent reasonableness required under 24 CFR 982.507.
6. eCFR, 24 CFR 982.401 through 982.456 (Housing Quality Standards and HAP Contracts): HQS covers thirteen performance requirements; emergency deficiencies must be fixed within 24 hours; HAP contract provisions are specified in 24 CFR 982.451 through 982.456.
7. HUD, NSPIRE Overview (National Standards for the Physical Inspection of Real Estate): HUD's NSPIRE inspection protocol reorganizes HQS categories around health and safety risk severity and has been phased in across HUD programs since 2023.
8. eCFR, 24 CFR 982.353 (Portability): Portability rules allow a family that has completed one year of residency in the issuing PHA's jurisdiction to move their voucher to another PHA's jurisdiction.
9. eCFR, 24 CFR Part 985 (Section Eight Management Assessment Program): SEMAP has 14 indicators; PHAs are rated High Performer, Standard, or Troubled based on their score.
10. HUD, Violence Against Women Act (VAWA) Protections: VAWA lets survivors move immediately with a voucher and requires PHAs to allow household bifurcation; VAWA was reauthorized in 2022.
11. HUD, Handbook 4350.3 REV-1 (Occupancy Requirements of Subsidized Multifamily Housing Programs): Project-based Section 8 multifamily housing is governed by HUD Handbook 4350.3, separate from the tenant-based voucher handbook 7420.10G.
12. HUD, Office of Fair Housing and Equal Opportunity: The Fair Housing Act prohibits discrimination based on race, color, religion, national origin, sex, disability, and familial status in federally assisted housing.
13. eCFR, 24 CFR 982.554 (Informal Hearings for Applicants and Participants): Tenants have the right to an informal hearing before assistance is terminated; the right is specified at 24 CFR 982.554.