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CITY OF SANTA ANA <br />2006-2007 ANNUAL ACTION PLAN <br />County (FHCOC) on behalf of 13 municipal jurisdictions and the County of Orange. <br />This document covers a full array of public and private policies, practices and <br />procedures affecting housing choice locally and in the Orange County region. This <br />document has served as the substantive basis for Fair Housing planning. The AI <br />covers the 2006-2010 timeframe. <br />SUMMARY OF IMPEDIMENTS IDENTIFIED /N THE ANALYSIS <br />The following is a summary of impediments identified in the AI. It is important to <br />note that not all of the impediments identified in the analysis are present in <br />Santa Ana. This summary is based on a regional evaluation: <br />^ A need exists for cost sensitive and effective fair housing counseling that <br />provides comprehensive educational services and fair housing enforcement. <br />^ There is a need for apro-active evaluation of fair lending practices in the region <br />to evaluate, explain and eliminate disparity in lending practices by race and <br />national origin. <br />• Local jurisdictions do not have a formal fair housing education system in place for <br />employees who impact fair housing issues (e.g., planning/zoning and code <br />enforcement staff). <br />^ Residents do not have adequate information regarding basic housing rights, <br />which may lead to an increase in undetected discrimination. <br />^ Insurance companies may be targeting certain zip codes for higher denial rates <br />or different terms and conditions. <br />^ Local entitlement communities may have policies and programs that affect <br />housing development, which may indirectly act as an impediment to fair housing <br />choices. <br />ano/os 20 <br />19D-25 <br />