So What is the Just Housing Amendment?

On April 25, 2019, the Cook County Board of Commissioners passed an amendment (Ord. No. 19-2394) to § 42-38 of the Cook County Human Rights Ordinance (“Ordinance”) to

1. Prohibit housing discrimination based on an individual’s covered criminal history; and
2. Require landlords to perform an individualized assessment of an otherwise qualified individual’s criminal conviction history prior to denying them and application for housing.

Below are frequently asked questions for applicants and the general public to help navigate the Just Housing Amendment to the Human Rights Ordinance. PDFs of this FAQ and a FAQ for landlords, sample language for notices to applicants, definitions, and an outline of the processes and individualized assessment tool are available to download here:

• Just Housing Amendment – FAQ for Landlords
• Just Housing Amendment – FAQ for Applicants
• Just Housing Amendment – Sample Notices
• Just Housing Amendment – Process and Individualized Assessment Tool
• Just Housing Amendment – Definitions

Frequently Asked Questions for Housing Applicants

Why did the Cook County Board of Commissioners pass the Just Housing Amendment (JHA) to the Human Rights Ordinance? 

In most cities, people with any kind of criminal record, even just an arrest, can be unfairly denied housing. The JHA was passed to help these individuals access safe, stable and affordable housing. 

The JHA: 

1. Prohibits landlords from denying a housing application based on juvenile or adult arrest records; and 
2. Requires landlords to perform an individualized assessment prior to denying any application for housing. 

What is an individualized assessment? 

An individualized assessment is a questionnaire that considers all relevant factors from an individual’s conviction in the previous three (3) years. The following list of factors can be considered. This list does not include all factors that a landlord can consider: 

• The nature and severity of the criminal offense and how recently it occurred. 
• The nature of the sentencing. 
• The number of criminal convictions in the past three (3) years. 
• The length of time that has passed since the applicant’s most recent convictions. 
• The age of the individual at the time the criminal offense occurred. 
• Evidence of rehabilitation. 
• The individual history as a tenant before and/or after the conviction. 
• Whether the criminal conviction(s) was related to the applicant’s disability. 
• If the applicant is a person with a disability, whether any reasonable accommodation could be provided to lessen any risk. 

When does the JHA go into effect? 

The JHA went into effect on January 1, 2020. However, the Cook County Board of Commissioners has delayed enforcement of the Amendment until February 1, 2020. 

Who does the JHA apply to? 

The JHA applies to real estate transactions. Real estate transactions include the sale, rental, lease, and sublease renewal of residential properties. 

Can having a criminal background result in automatic denial of a housing application? 

No. A landlord cannot consider criminal history that is more than three (3) years old, and a landlord mustconduct an individualized assessment of any criminal history that is less than three (3) years old.   

Are there any exceptions to the Just Housing Amendment? 

Yes. A landlord may deny an applicant for a new lease or lease renewal of residential properties based on any of the following: 

• The applicant or a household member is a current sex offender required to register under the Sex Offender Registration Act (or similar law in another jurisdiction); 
• The applicant or a household member is a current child sex offender under residency restriction; or 
• The applicant or a household member has a criminal conviction from the past three years. Before denying the application, the landlord must first perform an individualized assessment, and show that denial based on a criminal conviction is necessary to protect against a clear risk to personal safety and/or property. 

Are landlords required to conduct criminal background checks? 

No, the JHA does not require landlords to conduct criminal background checks. 

If an applicant was arrested but not convicted in the past three (3) years, can the arrest be a basis for denying the housing application? 

No. Arrests and convictions are very different. An arrest without a conviction cannot be considered when evaluating rental applications. 

What does the JHA tenant screening process require? 

Once an application fee is accepted, the Just Housing Amendment requires landlords to engage in a two-step tenant screening process. 

Step One: Prequalification 

• During this step, a landlord may screen a tenant to determine whether the tenant satisfies all the application criteria such as income, rental history, credit score, pets, etc. Criminal background checks cannot be performed during Step One. 
• When this first step is completed, the landlord must either 1) pre-qualify the applicant based on all criteria except those related to criminal history; or 2) deny the application based on failure to satisfy the prequalification criteria. 

Step Two: Criminal Background Check 

• Only after the landlord prequalifies an applicant may a landlord conduct a criminal background check. 

What happens if the criminal background check reveals a conviction from the last three (3) years? 

The JHA requires the landlord to complete an individualized assessment before denying housing. Landlords cannot consider convictions more than three (3) years old.    

Is the landlord required to consider evidence of rehabilitation when completing an individualized assessment? 

Yes. The following are examples of evidence of rehabilitation: 

• Completion of a returning citizens program. 
• Job readiness training. 
• Supportive services that assist with the transition back to society. 
• Completion of a GED or other education programs. 
• Report from correctional facility. 
• Employment. 
• Personal recommendations. 

May a landlord verify any evidence of rehabilitation? 

Yes, however, a landlord must still complete the evaluation and then approve or deny a housing application within three (3) business days as required by the JHA. 

Does an applicant who is denied housing have the right to dispute the information contained in the criminal background check? 

Yes. The JHA includes Conviction Dispute Procedures as described below: 

• Within five (5) business days of receiving a criminal background check, the landlord must deliver a copy to the applicant. A copy of the background check can be delivered in person, by certified mail, or by text or email. 
• Once the applicant receives the results of the background check, the applicant has five (5) business days to provide evidence that disputes the accuracy or relevance of information related to the criminal background check. 
• The landlord than has three (3) business days from receipt of the dispute information to accept or deny the application. 

Is a landlord required to hold a unit off the market while an applicant disputes the background check? 

No, a landlord does not have to hold a unit off the market. 

How does a landlord provide notice of its final decision? 

The landlord has three (3) business days from receipt of the dispute information to accept or deny the application. 

Any denial of a housing application or continued lease based on a conviction must be in writing and provide the applicant with an explanation of why the application denial was necessary to protect against a demonstrable risk of harm to personal safety and/or property. 

What are the penalties for violating the JHA? 

For complaints investigated by the Cook County Commission on Human Rights, the penalties for violating the Just Housing Amendment may include complainant’s compensatory damages and attorney fees and Commission fines.