Almost a third of Americans have a criminal record. In many cases the reason for the record is a minor infraction that occurred decades ago. Minorities are disproportionately represented among those with a record. To help providers develop housing policies that address criminal histories without having a disparate impact on minorities, HUD has issued guidelines. These guidelines are a top story in this weeks The Voice for Real Estate video.

Also covered: NAR’s effort to improve the availability of rural home loans and unique issues when real estate professionals are selling a house with a reverse mortgage.