What are the exemptions to the Federal Fair Housing Act?

The Fair Housing Act has three narrow exemptions. First, the single-family home exemption allows owners who own no more than three single-family homes to sell or rent without a broker and without discriminatory advertising. Second, the Mrs. Murphy exemption allows owners of small rental properties with four or fewer units where the owner lives in one unit to discriminate in tenant selection. Third, religious organizations and private clubs may limit housing they own to their members. No exemption applies if discriminatory advertising is used.