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Table of Contents <br />ExecutiveSummary .............................................................. ............................... i <br />Section 1 — Community Profiles ................................ ..............................1 <br />Introduction..................................................... ..............................1 <br />1.1 Demographic Profile .................................... ..............................1 <br />1.2. Income Profile .................................................... ............................... <br />1 <br />1.3. Employment and Education Profile ...................... .............................14 <br />1.4. Public Transportation Profile .............................. ............................... <br />1.5. Housing Profile ..................................................... .............................20 <br />Section 2 — Fair Housing Law, Municipal Policies and Complaint Analysis 31 <br />Introduction............................................................... ............................... <br />2.1. Fair Housing Law ............................................... ............................... <br />2.2. Enforcement ....................................................... ............................... <br />2.3. Production and Availability of Affordable Units ..... .............................48 <br />2.4. Regulatory and Public Policy Review ................... .............................49 <br />2.5. Analysis of Fair Housing Complaints .................... .............................49 <br />2.6. Conclusions and Implications for Fair Housing Barriers ....................51 <br />Section 3 — Focus Groups and Community Engagement ...........................53 <br />Introduction............................................................... ............................... <br />3.1. Focus Group Concerns and Comments ............... .............................54 <br />3.2. Solutions ............................................................ ............................... 59 <br />Section 4 - Home Mortgage Disclosure Act Data (HMDA) Analysis ............ 60 <br />Introduction............................................................... ............................... <br />4.1. Analysis .............................................................. ............................... <br />4.2. Conclusions .......................................................... .............................77 <br />Section 5 - Fair Housing Index ................................. .............................79 <br />Introduction ............................................................... ............................... <br />7 <br />5.1. Methodology ....................................................... ............................... <br />7 <br />5.2. Findings ................................................................ .............................82 <br />Section 6 — Impediments and Remedial Activities ....... .............................86 <br />Introduction............................................................... ............................... <br />6.1. Real Estate Related Impediments ........................ .............................87 <br />6.2. Public Policy Impediments ................................. ............................... 94 <br />6.3 Banking, Finance, Insurance and related impediments .....................96 <br />6.4. Socio Economic Impediments ............................. ............................100 <br />6.5 Neighborhood Conditions Related Impediments . ............................103 <br />Section 7 — Oversight, Monitoring and Maintenance of Records ................111 <br />