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Topic 8. Remaining Economic Life
Introduction
VA may impose sanctions, such as debarment, suspension, or LDP against participants who violate statutory provisions and regulations governing equal opportunity in housing. These laws and regulations include
Equal Credit Opportunity Act (ECOA)
The Fair Housing Act
Section 527 of the National Housing Act, and
VA Regulations at 38 CFR 36.4363
Based on these provisions and VA’s policy on unfair marketing practices, VA may impose sanctions if any party involved or financially interested in the construction or sale of property has declined to sell property to an eligible veteran because of
race
color
sex
handicap
familial status
religion, or
national origin.
Equal Housing Certification
This regulation requires a certification by builders or other parties requesting the following types of VA appraisals
a Master Certificate of Reasonable Value on proposed or existing housing, or
an individual appraisal of existing housing that was not previously occupied.
The certification provides that the builder or other party will not decline to sell the appraised property to a prospective purchaser because of his or her
race
color
religion
sex, or
national origin.
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Note: This requirement is satisfied by completion of VA Form 26-8791, VA Affirmative Marketing Certification.
Veteran Equal Housing Certification
Any veteran obtaining a VA-guaranteed loan is also required to certify that he or she will not decline to sell the home in the future based on these discriminatory factors. The certification is found in the Veteran’s Certifications on VA Form 26-1820, Report and Certification of Loan Disbursement.
Index
Amend or Withdraw the Special Privilege of LAPP Authority, 17-11
Appeal Rights to all Program Participants, 17-1
Cause and Treatment Codes, 17-4
Causes for LDP, 17-19
Debarment, 17-15
Debarment or Suspension Causes, 17-17
Debarred Loan Guaranty Participants, 17-16
Determining Reasonable Value and Issuing CRVs, 17-13
Disregard for VA Requirements - Example, 17-12
Equal Housing Certification, 17-24
Excluded Party, 17-4
Failure to Meet Qualification Requirements - Example, 17-12
False Lender Certification, 17-6
Full Exclusion, 17-3
Government at Risk, 17-13
GSA List, 17-4
Identifying Excluded Parties Internet Address, 17-3
Jurisdiction Restrictions, 17-19
LAPP Privilege, 17-11
LDP as Reciprocal Action, 17-19
LDP Exceptions, 17-18
LDP Party Information, 17-20
LDP Time Period, 17-20
Limited Denial of Participation (LDP), 17- 18
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Monetary Penalty, 17-6
Nature of Exclusion, 17-4
Non Procurement List, 17-4
Notice of Sanction, 17-13
Other Program Participants, 17-14
Partial Exclusion, 17-3
Participant Also A Veteran, 17-2
Participant is an Entity, 17-16, 17-18
Participants who Violate Statutory Provisions and Regulations, 17-23
Probationary Period, 17-13
Program Participants, 17-2
Reasons For Lender Check, 17-5
Responsbilities of Lender, 17-14
Sanctions, 17-1
Scope of Exclusion, 17-16
Submitting Loans, 17-7
Substantive or Repetitive Errors - Example, 17-12
Suspension, 17-15
Technical Incompetence - Withdrawal Example, 17-12
Type of Participant, 17-1
Unfair Contract Provisions or Marketing Practices, 17-21
Unfair Marketing Practices, 17-22
Unresolved Deficiencies, 17-20
VA Business With Other Participants, 17-7
VA Loan Guaranty Program, 17-1
VA May Impose Sanctions, 17-21
VA Regulations on Debarments or Suspensions, 17-16
VA’s Policy on Unfair Marketing Practices, 17-23
Verifying Excluded Parties, 17-5
Veteran Equal Housing Certification, 17-24
Violations of Equal Housing Opportunity Laws, 17-23
Withdrawal for an Indefinite Period, 17-7
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Withdrawal For Proper Cause, 17-7
Withdrawal Period: 1-3 Years, 17-10
Withdrawal Period: 180 Days, 17-9
Withdrawal Period: 60 Days, 17-8
Withdrawal Time Periods, 17-8
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Article ID: 554400000314774 VA Pamphlet VAP26-7 Chapter 18 Servicer Appraisal Processing Program
(SAPP) Overview