members shall determine whether, by a preponderance of the evidence, the applicant’s criminal record renders the applicant unfit for housing. (H) Appeals Each applicant shall have a right to appeal a decision by the panel to deny admission, in accordance with current regulations. An applicant shall have 14 days to appeal the determination and a request for such an appeal shall be made in writing. Pursuant to such a request, the public housing agency shall hold an informal hearing and decide whether to uphold the initial determination within 7 days after the hearing. The public housing agency shall hold the dwelling unit open or shall reserve the assistance under the federally assisted housing program, as the case may be during the entire time of the appeals process. (3) Non-discrimination When conducting an individualized review under this section, a public housing agency or owner of federally assisted housing shall comply with applicable civil rights requirements under the Fair Housing Act, title VI of the Civil Rights Act of 1964, section 504 of the Rehabilitation Act of 1973, and titles II and III of the Americans with Disabilities Act of 1990. (4) Review factors In conducting the reviews required under paragraph (1), the public housing agency or owner which shall consider the following factors holistically, such that no single factor is dispositive: (A) Severity The severity of the criminal offense or offenses committed. (B) Time elapsed The amount of time elapsed since the criminal offense or offenses were committed. (C) Evidence of rehabilitation Evidence of rehabilitation, including— (i) a person’s satisfactory compliance with all terms and conditions of parole or probation, provided that the person’s failure to pay fines, fees, and restitution shall not be considered noncompliance with terms and conditions of parole or probation