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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 ...
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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
Equal Credit Opportunity Act (ECOA), 15 U.S.C. § 1691
Fair Housing Act/Fair Housing Amendments Act (FHAA), 42 U.S.C. §§ 3601 et seq.
Case Details
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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
Filed Pro Se
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
Filed
09/17/1992
Case Closing Year
1999
Case Ongoing
No
Additional Resources
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Documents
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Court
Docket(s)
N.D. Ga.
03/03/1999
1:92-cv-02198-CAM
FH-GA-0002-9000.pdf
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Detail
General Documents
N.D. Ga.
09/17/1992
Complaint
FH-GA-0002-0002.pdf
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Detail
N.D. Ga.
07/05/2007
Consent Decree
FH-GA-0002-0001.pdf
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Detail
People
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Judges
Moye, Charles Allen Jr.
(N.D. Ga.)
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FH-GA-0002-9000
Plaintiff's Lawyers
Anderson, Curtis Eugene
(Georgia)
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FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Barr, William P.
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002
Dunne, John R.
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002
Griffen, Howard
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Hancock, Paul F.
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002
Ritter, Richard J.
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Senger, Jeffrey M.
(District of Columbia)
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FH-GA-0002-0001 | FH-GA-0002-0002 | FH-GA-0002-9000
Whitley, Joe D.
(Georgia)
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FH-GA-0002-0001 | FH-GA-0002-0002
Defendant's Lawyers
Alexander, Kent B.
(Georgia)
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FH-GA-0002-0001 | FH-GA-0002-9000
Thompson, Larry D.
(Georgia)
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FH-GA-0002-9000
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