omplaints of discriminatory housing practices filed with HUD will be referred to a local enforcement agency if A) the complaint involves a real estate professional who is the victim of a threat or act of violence because the professional has complied with the fair housing laws. B) the federal law is substantially more inclusive than the state or municipal law. C) the state or municipal law is substantially equivalent to the federal law. D) HUD determines that an administrative law judge should decide the case.