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State and federal housing laws prohibit discrimination that is based on race, color, religion, national origin, sex, disability, age (Michigan Law), marital (Michigan Law) or familial status. Fair housing laws protect your rights in housing activities such as: Viewing or purchasing a home or other property; view or rental an apartment or other property; financing, such as a mortgage or a home improvement loan; insurance: homeowners or renters; terms and conditions, and provision of services; advertising. Prohibitions against discrimination in advertising always apply regardless of any exemption under the Fair Housing Act applicable to some landlords, property owners, dwellings including owner- occupied dwellings and respondents. Anyone who would otherwise have the right to claim an exemption, may lose that exemption if they publish (advertise) or cause to be published a written or posted notice, mailing or statement (written or verbal) that is discriminatory. For further information, call the Michigan Department of Civil Rights at 800-482-3604; the U.S. Department of Housing and the Urban Development 800-669-9777 or your local Fair Housing Agency.