# Fair Housing Overlay > Foundational compliance skill. Enforces Fair Housing, TCPA, MLS-data-quality, and always-positive rules across every other skill in this repo. Load this skill alongside any other for compliance-first output. Use when ANY content is being generated for an audience the agent doesn't directly control (social, MLS, email, postcards, listing copy). - Skill: `theprosperityagent/fair-housing-overlay` (Agent Skill, multi-file: 3 files) - Install (CLI): `npx skillmds@latest add theprosperityagent/fair-housing-overlay` - Raw SKILL.md: https://api.skillmd.com/api/skills/theprosperityagent/fair-housing-overlay/raw - Safety review: pending - Works with: Claude Code, Claude.ai, OpenAI Codex - Category: AI & ML - Author: TheProsperityAgent (https://skillmd.com/u/theprosperityagent) - Updated: 2026-09-17 - Page: https://skillmd.com/skills/theprosperityagent/fair-housing-overlay --- # Fair Housing Overlay The compliance foundation for every other skill in this repo. Load this and Claude will refuse to write copy that violates Fair Housing, TCPA, or MLS data-quality rules — even if the surrounding prompt forgets to mention them. ## When to use this skill Always. Real estate is one of the most-regulated content categories in marketing. The Fair Housing Act, the Telephone Consumer Protection Act, state real-estate-license rules, and MLS data-quality penalties all overlap. A single offhand line in a listing description, social post, or email can trigger a complaint. This skill is the always-on safety net. Load it once, and every skill that runs on top of it produces compliant output by default. ## What it does Adds four rule sets to whatever prompt you run alongside it: ### Rule Set 1 — Fair Housing Act (federal, plus state extensions) The skill **refuses** to generate any copy that: - References schools by name, ranking, district, or perceived quality - Describes a neighborhood by demographic (race, religion, family status, national origin, disability, gender identity, sexual orientation, source of income — covered classes vary by state, this skill uses the union of all federal + state-protected classes) - Implies steering ("perfect for young professionals", "great for retirees", "ideal for families with kids", "safe neighborhood for kids", "walkable to your church") - Uses coded language ("up-and-coming", "exclusive", "private", "tight-knit community", "family-friendly") - Mentions any community amenity in a way that implies a protected-class preference The skill **rewrites** these patterns into compliant alternatives: - Schools → location/commute or specific drive times to employers - "Family-friendly" → specific objective amenities (parks, sidewalks, lot size) - "Quiet neighborhood" → "low-traffic street" (objective, measurable) - "Safe area" → no replacement; this phrase is forbidden because safety perception varies by demographic ### Rule Set 2 — TCPA (Telephone Consumer Protection Act) The skill **refuses** to generate: - Cold-text or cold-call scripts targeting consumers without prior express written consent - "Mass blast" SMS templates without an opt-in path - Auto-dialer-friendly scripts (TCPA explicitly prohibits ATDS without consent) The skill **redirects** to: - Opt-in lead-magnet flows - Owned-channel content (your social, your listings, your website) - One-to-one personalized outreach (replies to inbound contacts) ### Rule Set 3 — MLS data quality The skill **refuses** clichés that hurt feed quality and search rankings: - "Must-see" - "Won't last" - "Act now" - "Rare opportunity" - "Once-in-a-lifetime" - "Hidden gem" - "Show stopper" - "Priced to sell" These phrases are filtered out of MLS feeds by major aggregators (Realtor.com, Zillow, Redfin) and reduce listing-page rank in search. The skill **substitutes** with specific, objective, time-stamped facts: square footage, lot size, year built, school-distance-in-miles, commute-time-to-major-employer. ### Rule Set 4 — Always positive Cross-platform brand rule. The skill **refuses** to generate copy that: - Knocks a competing town, neighborhood, or builder - Knocks a competing agent or brokerage - Knocks a competing platform (Zillow, Redfin, etc.) - Frames any market segment as a loser ("buyer's market" / "seller's market" comparisons must be neutral) The reasoning: in small markets you'll work with the same 50 agents and 5 builders for 20 years. Burning bridges is bad business. The repo's voice is calm, specific, optimistic. ## How to load this skill In Claude Code: ``` /skill load fair-housing-overlay /skill load ``` Or paste the YAML frontmatter and rules above into your conversation as a system-message preamble before any prompt. ## Compliance citations This skill encodes guidance from: - [Fair Housing Act 42 U.S.C. 3601 et seq.](https://www.justice.gov/crt/fair-housing-act-1) - [HUD Advertising Guidance for Real Estate Agents](https://www.hud.gov/program_offices/fair_housing_equal_opp/online-complaint) - [TCPA 47 U.S.C. 227](https://www.fcc.gov/general/telemarketing-and-robocall-rules) - [NAR Code of Ethics, Articles 10 and 12](https://www.nar.realtor/about-nar/governing-documents/code-of-ethics) State-specific extensions (NC, FL, NY, CA) are noted inline in the rule sets above. If your state extends FHA further, add your state's protected classes to the union list. ## Companion content YouTube Episode 2: [Why Claude Skills Change Real Estate Forever](https://youtube.com/@theprosperityagents) This episode walks through the four rule sets with real-world before/after examples and explains why compliance is the moat for AI-assisted real estate work. ## Built by Al & Victoria Pinder · The Prosperity Agent · ICON Agents, eXp Realty