University of Michigan Law School
Civil Rights Litigation Clearinghouse
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Case Name United States v. Mortgage Guaranty Insurance Corp. FH-PA-0004
Docket / Court 2:11-cv-00882 ( W.D. Pa. )
State/Territory Pennsylvania
Case Type(s) Fair Housing/Lending/Insurance
Case Summary
On July 5, 2011, the Department of Justice (DOJ) filed suit in the United States District Court for the Western District of Pennsylvania against Mortgage Guaranty Insurance Corp. alleging violations of the Fair Housing Act. More specifically, DOJ alleged that Mortgage Guaranty Insurance Corp. ... read more >
On July 5, 2011, the Department of Justice (DOJ) filed suit in the United States District Court for the Western District of Pennsylvania against Mortgage Guaranty Insurance Corp. alleging violations of the Fair Housing Act. More specifically, DOJ alleged that Mortgage Guaranty Insurance Corp. discriminated against women on paid maternity leave by requiring the women to return to work before insuring their mortgages.

This lawsuit originally arose after a loan applicant in Wexford, PA filed a complaint with the U.S. Department of Housing and Urban Development (HUD). HUD referred the case to the DOJ after completing a thorough investigation of the complaint.

In the months following the DOJ's initial filing of the suit's complaint, the two parties negotiated a settlement agreement. The settlement agreement provided $7500 in monetary damages to each woman impacted by Mortgage Guaranty Insurance Corp.'s previous policy as well as additional damages for the applicant in Wexford, PA who filed the initial complaint in Pennsylvania.

The settlement agreement also required Mortgage Guaranty Insurance Corp. to establish anti-discriminatory underwriting and practice policies. Mortgage Guaranty Insurance Corp. agreed to train its managers and employees who underwrite mortgage insurance. Mortgage Guaranty Insurance Corp. also agreed to a monitoring program designed to supervise compliance with the Order.

The court [Judge Robert C. Mitchell] approved the consent order on April 30, 2012.

Megan Richardson - 11/20/2014
Asma Husain - 01/31/2016


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Issues and Causes of Action
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Issues
Affected Gender
Female
Content of Injunction
Develop anti-discrimination policy
Monitoring
Provide antidiscrimination training
Defendant-type
Bank or credit provider
Discrimination-area
Lending
Discrimination-basis
Pregnancy discrimination
General
Predatory lending
Plaintiff Type
U.S. Dept of Justice plaintiff
Causes of Action Fair Housing Act/Fair Housing Amendments Act (FHAA), 42 U.S.C. §§ 3601 et seq.
Defendant(s) Mortgage Guaranty Insurance Corporation
Plaintiff Description U.S. Department of Justice, Civil Rights Division on behalf of single mothers nationwide.
Indexed Lawyer Organizations None on record
Class action status sought No
Class action status granted No
Prevailing Party Plaintiff
Public Int. Lawyer No
Nature of Relief Injunction / Injunctive-like Settlement
Source of Relief Settlement
Form of Settlement Court Approved Settlement or Consent Decree
Order Duration 2012 - 2016
Case Closing Year 2012
Case Ongoing Yes
Docket(s)
2:11−cv−00882 (W.D. Pa.) 03/15/2013
FH-PA-0004-9000.pdf | Detail
PACER [Public Access to Court Electronic Records]
General Documents
Complaint 07/05/2011
FH-PA-0004-0001.pdf | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Justice Department Sues Nation’s Largest Mortgage Insurance Provider for Discrimination Against Women on Paid Maternity Leave 07/05/2011
FH-PA-0004-0003.pdf | Detail
Consent Order 04/30/2012 (2012 WL 1606235) (W.D. Pa.)
FH-PA-0004-0002.pdf | WESTLAW | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Disbursement Order 03/15/2013 (W.D. Pa.)
FH-PA-0004-0005.pdf | Detail
Document Source: PACER [Public Access to Court Electronic Records]
Judges Mitchell, Robert C. (W.D. Pa.) [Magistrate]
FH-PA-0004-0002 | FH-PA-0004-0005 | FH-PA-0004-9000
Monitors/Masters None on record
Plaintiff's Lawyers Bond, Rebecca B. (District of Columbia)
FH-PA-0004-0001 | FH-PA-0004-0002
Hickton, David J. (Pennsylvania)
FH-PA-0004-0001 | FH-PA-0004-0002
Holder, Eric H. Jr. (District of Columbia)
FH-PA-0004-0001
Mosteller, Daniel P. (District of Columbia)
FH-PA-0004-0001 | FH-PA-0004-0002 | FH-PA-0004-9000
Perez, Thomas E. (District of Columbia)
FH-PA-0004-0001 | FH-PA-0004-0002
Rosenbaum, Steven H. (District of Columbia)
FH-PA-0004-0001 | FH-PA-0004-0002
Wiegand, Christy C. (Pennsylvania)
FH-PA-0004-0001 | FH-PA-0004-0002 | FH-PA-0004-9000
Defendant's Lawyers Rende, Bruce E. (Pennsylvania)
FH-PA-0004-0002 | FH-PA-0004-9000
Varon, Jay Norman (District of Columbia)
FH-PA-0004-0002 | FH-PA-0004-9000
Other Lawyers None on record

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