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<br /> <br />Orange County 60 25-29 Regional AFH <br /> <br />• Discrimination in the private housing market, including source-of-income <br />discrimination, driven in part by a lack of knowledge of state and federal fair housing <br />laws and regulations, which in turn limits housing mobility. <br />• There are numerous ethnic enclaves of Hispanic, Vietnamese, Chinese, and other <br />groups throughout Orange County. These enclaves provide a sense of community <br />and a social network that may help newcomers preserve their cultural identities. <br />However, these active choices should not obscure the significant impact of structural <br />barriers to fair housing choice and discrimination. <br />Through the stakeholder consultations and community meetings, it was also reported that <br />segregation/concentration patterns in the County are due to: <br />• In addition to landlord resistance to renting to HCV Program participants, the gap <br />between HCV subsidy amounts and housing costs further inhibits HCV Program <br />participants from accessing housing in higher cost (and higher opportunity) areas. <br />• Lack of housing mobility for some minority groups based on a lack of credit history <br />coupled with high demand for affordable housing across the County, which permits <br />landlords and property management companies to prioritize applicants based on <br />credit history. <br />Detailed lists of the public or private policies or practices, demographic shifts, economic <br />trends, and other factors that have caused or contributed to segregation /concentration in <br />each of the jurisdictions are included in Section IV. <br />C. Racially or Ethnically Concentrated Areas of Poverty (R/ECAPs) <br />The following analysis identifies R/ECAPs and/or groupings of R/ECAP tracts. <br />HUD defines racially or ethnically concentrated areas of poverty (R/ECAPs) as Census Tracts <br />that meet both of the following criteria: <br />• a non-White population of 50 percent or more, and <br />• a poverty rate that exceeds 40% or a poverty rate that is three or more times the <br />average Tract poverty rate for the metropolitan area, whichever threshold is lower. <br />The analysis in this report uses a measure of segregation and concentrated poverty created <br />by the California Tax Credit Allocation Committee (TCAC) and California HCD. The <br />TCAC/HCD Opportunity Map’s poverty concentration and racial segregation filter aligns <br />with HUD's R/ECAP methodology but is designed to more effectively reflect the level of <br />racial and ethnic diversity in many parts of California. This measure uses the following <br />criteria to define Census Tracts as “High Segregation and Poverty” areas: <br />• Tracts and rural block groups where at least 30 percent of the population is living <br />below the poverty l evel (note that college and graduate students are removed from <br />EXHIBIT 6