Fair housing discrimination is a type of discrimination that takes place when a landlord denies fair housing based on a person's inherent qualities. Fair housing discrimination can occur throughout the housing process, ranging from house availability, to prices and even insurance. According to Fair Housing laws, however, citizens of America have a right to receive the home or apartment of their choice, without a thought to their race, color, religion, sex, origin, or disability. These laws, which are governed under the Fair Housing Act, prohibit any discriminatory actions that deny tenants their right to housing: being refused rent or purchase, limited on neighborhoods, denied loans or insurance, or offered substandard conditions, among many others. If a tenant has been discriminated against, they have the right to then file a complaint, called a fair housing discrimination complaint, by contacting HUD or another local fair housing agency.