University of Michigan Law School
Civil Rights Litigation Clearinghouse
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Case Name United States v. Decatur Federal Savings & Loan Association FH-GA-0002
Docket / Court 1:92-cv-02198-CAM ( N.D. Ga. )
State/Territory Georgia
Case Type(s) Fair Housing/Lending/Insurance
Attorney Organization U.S. Dept. of Justice Civil Rights Division
Case Summary
The Department of Justice filed both its complaint and consent decree against the Defendant-lender in the U.S. District Court for the Northern District of Georgia on March 17, 1992. The DOJ alleged that Decatur Federal S&L had violated the Fair Housing Act (FHA), 42 U.S.C. 3601-3619, and the Equal ... read more >
The Department of Justice filed both its complaint and consent decree against the Defendant-lender in the U.S. District Court for the Northern District of Georgia on March 17, 1992. The DOJ alleged that Decatur Federal S&L had violated the Fair Housing Act (FHA), 42 U.S.C. 3601-3619, and the Equal Credit Opportunity Act, 15 U.S.C. 1691(a)(1), by intentionally avoiding non-white neighborhoods in Atlanta when expanding its business in the years since fair housing and lending statutes were enacted. In support of its contention, the DOJ alleged in its Complaint that the Defendant did not operate any branch offices in predominantly minority areas in the Atlanta area, did not advertise in minority community media, and almost exclusively hired white employees to market loans to prospective customers.

Under the consent decree entered into by the parties, Decatur Federal agreed to continue and expand its affirmative marketing, advertising, and other mortgage lending outreach programs; to revise the delineation of its lending community under the Community Reinvestment Act; to establish and implement criteria to ensure against any discrimination in its branch activities; to ensure the fair and nondiscriminatory consideration of all mortgage loan applicants; and to continue to monitor its own performance to assure a mortgage lending program free of racial discrimination. Decatur Federal also placed $1,000,000.00 in a Consent Decree Fund to be administered by the United States and distributed to persons whom the United States has identified to as being allegedly aggrieved persons under the Fair Housing Act and Equal Credit Opportunity Act. The consent decree continued until March 3, 1999, when it was dismissed by U.S. District Court Judge Charles A. Moye, Jr.

Andrew Nash - 06/02/2008


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Issues and Causes of Action
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Issues
Discrimination-area
Lending
Discrimination-basis
Race discrimination
Plaintiff Type
Private Plaintiff
Race
Black
Causes of Action Fair Housing Act/Fair Housing Amendments Act (FHAA), 42 U.S.C. §§ 3601 et seq.
Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691
Defendant(s) Decatur Federal Savings and Loan Association
Plaintiff Description The USA on behalf of those allegedly discriminated against by Decatur Federal due to discriminatory lending practices on the basis of race via home mortgage marketing that excluded potential black borrowers, as well as other discriminatory practices.
Indexed Lawyer Organizations U.S. Dept. of Justice Civil Rights Division
Class action status sought No
Class action status granted No
Prevailing Party Plaintiff
Public Int. Lawyer Yes
Nature of Relief Damages
Injunction / Injunctive-like Settlement
Source of Relief Settlement
Form of Settlement Court Approved Settlement or Consent Decree
Order Duration 1992 - 1999
Case Closing Year 1999
Case Ongoing No
Docket(s)
1:92-cv-02198-CAM (N.D. Ga.) 03/03/1999
FH-GA-0002-9000 PDF | Detail
General Documents
Complaint 09/17/1992
FH-GA-0002-0002 PDF | Detail
Consent Decree 07/05/2007
FH-GA-0002-0001 PDF | Detail
Judges Moye, Charles Allen Jr. (N.D. Ga.)
FH-GA-0002-9000
Monitors/Masters None on record
Plaintiff's Lawyers Anderson, Curtis Eugene (Georgia)
FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Barr, William P. (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002
Dunne, John R. (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002
Griffen, Howard (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Hancock, Paul F. (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002
Ritter, Richard J. (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Senger, Jeffrey M. (District of Columbia)
FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Whitley, Joe D. (Georgia)
FH-GA-0002-0001 | FH-GA-0002-0002
Defendant's Lawyers Alexander, Kent B. (Georgia)
FH-GA-0002-0001 | FH-GA-0002-9000
Thompson, Larry D. (Georgia)
FH-GA-0002-9000
Other Lawyers None on record

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