As a renter, several laws affect you and your landlord. Some come from the state you live in, while others are federal laws that apply to renters in all states. Knowing these federal laws helps you understand your rights (and what your landlord can and cannot legally do). This guide outlines the top federal rental laws every tenant should be aware of.
- Fair Housing Act: Among federal laws that affect all renters, the Fair Housing Act, enacted in 1968, is foremost. It bars your landlord from discriminating against you because of your race, skin color, sex, religion, national origin, age, familial status, or mental or physical disability. Discrimination can be obvious or subtle. If you think your rental application was denied for these reasons, you can submit a complaint with the U.S. Department of Housing and Urban Development (HUD). Landlords must also make reasonable accommodations for tenants with a disability.
- Fair Credit Reporting Act: This federal law dictates how a landlord can use your credit history to decide whether to rent to you. Your landlord must have your permission to run a credit check and must notify you if your application was denied due to your credit report. Request a free copy of your credit report before you apply for a rental home to review what your potential landlord will see when they run your credit and clarify anything that might raise some red flags.
- Americans with Disabilities Act: This law ensures a landlord cannot refuse to rent to you because you have a service animal, nor can they charge “pet fees” or raise the rent because of it. You may need to prove it is licensed and registered per state and local laws to establish it’s a legitimate service animal. A service animal is a reasonable accommodation that landlords must allow.
- Landlord-Tenant Laws (varies by state): Landlord-tenant laws in the U.S. protect renters and establish expectations for both parties. These laws ensure your right to a safe, livable home, privacy, and fair treatment. Landlords must give notice before entering your rental (except in emergencies) and follow rules for handling security deposits. As these differ by state, review your lease and local laws to understand your rights.
- Lead Disclosures: Federal law requires that anyone renting a property built before 1978 disclose the potential for lead exposure. Homes built before 1978 often have lead-based paint, which may flake or chip off, creating health hazards. The U.S. Environmental Protection Agency (EPA) mandates landlords to disclose whether the property has lead paint and provide evidence of a certified lead hazard inspection if requested.
Learning the federal and state laws that apply to you and your landlord as a renter is essential for protecting yourself from unfair property owners. Contact Real Property Management Investor’s Choice for support. Our experts in Hermitage comply with federal, state, and local laws, ensuring fairness. View our listings online or call 615-810-9578!
Originally Published on April 29, 2022
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. See Equal Housing Opportunity Statement for more information.
