Chapter 20 Ethics: Law and Practices - Ch 33 IL Quiz Questions

If a person believes he or she has been discriminated against, how long does he or she have to file a HUD complaint? A. 30 days B. 90 days C. 1 year D. 2 years

1 year ----The injured party has up to 1 year to file a discrimination complaint with HUD.

What is the limit for HUD to start a discrimination investigation? A. 90 days B. 30 days C. 1 year D. 120 days

30 days ----HUD has up to 30 days to start the discrimination investigation process.

A person filing the complaint may be entitled to __________. 1. $10,000 2. 50% of punitive damages 3. A monthly payment from the General Revenue Fund. 4. Actual damages

Actual damages

A broker induces an owner to sell by telling him that Hispanics are moving into the neighborhood. This broker is guilty of what prohibited activity? 1. Redlining 2. Blockbusting 3. Steering 4. Misrepresentation

Blockbusting

Mortgage providers and Federal Loan programs base their loans on Debt to income ratios as determined by their own A. Housing Affordability Ratios B. evidence of debt payment C. credit affordability history D. trending payment evidence

Housing Affordability Ratios ---- Each lender and federal mortgage agency will use their own housing affordability ratios (e.g. debt-to-income) for qualification purposes.

Which Fair Housing Law added sex to the list of protected classes? A. Jones v. Mayer B. Title VIII of the Civil Rights Act of 1968 C. Housing and Community Development Act D. Fair Housing Amendments Act

Housing and Community Development Act

When must a model home comply with ADA guidelines? A. If the home is price more than $250,000. B. If the subdivision has more than 20 lots. C. If the home is more than 2,000 sq. ft. D. If the home also has a sales office area.

If the home also has a sales office area.

Which governmental agency files suits in ADA cases? 1. Dept. of Justice 2. Dept. of Housing 3. Dept. of Revenue 4. Dept. of Government Operations

Dept. of Justice

The following is evidence of guilt of a Fair Housing Violation A. Having violated the act previously B. Failure to display the Fair Housing poster as required by law C. A charge that you advertised a property with location of schools nearby D. Asking a buyer to prove they are over a certain age

Failure to display the Fair Housing poster as required by law

Which Fair Housing Law added handicap individuals to the list of protected classes? A. Jones v. Mayer B. Title VIII of the Civil Rights Act of 1968 C. Housing and Community Development Act D. Fair Housing Amendments Act of 1988

Fair Housing Amendments Act of 1988

What practice helps move low-income persons into previously-owned higher income owner properties? 1. Layer Down 2. Filtering Down 3. Flatten Down 4. Roll Down

Filtering Down

A broker only shows homes in certain neighborhoods based on matching existing residents with similar potential buyers. This broker is guilty of what prohibited activity? A. Redlining B. Blockbusting C. Steering D. Misrepresentation

Steering

Which of these classes are protected by the Fair Housing Laws of Illinois? A. Middle Income Renters B. Criminal Record Holders C. Military Status D. Employment Status

Military Status

Which of the following classes are not protected by federal law? A. Military status B. Sex C. Color D. Handicap

Military status

What is a good policy regarding a seller who refuses to accept an offer from a potential buyer that is in a specific protected class? A. Do not advertise and hold open houses on this property. B. Do not allow the brokerage's licensees to show the property. C. Document the discrimination D. Terminate the listing.

Terminate the listing.

Which is a TRUE statement about the Americans with Disabilities Act? A. The act applies to AIDS victims. B. The act applies to all structures built in the last 50 years. C. An apartment manager might be required to widen all doorways to 60 inches. D. Shopping centers are exempt if built after March 13, 1991.

The act applies to AIDS victims. ----- This act applies to people with an AIDS disease diagnosis who are considered members of a protected class under Fair Housing.

Seller Jim tells his listing licensee that regardless of the offer, he will not sell to any Asian families. How does this impact the listing agent? 1. The licensee is still required to take the listing. 2. The licensee could be held liable if he or she knowing goes along with the request. 3. The licensee must note the request on MLS listing only. 4. The licensee must inform all agents regarding the request.

The licensee could be held liable if he or she knowing goes along with the request.

Is any city in Illinois allowed to pass an occupancy law regarding number of tenants per apartment? A. No, if the housing units were built prior to 1997. B. No, unless the housing units are under Title 8. C. Yes, if the requirement is judged as reasonable. D. Yes, provided the city's population is over 10,000.

Yes, if the requirement is judged as reasonable.

Records show that Banker Fred has increased the interest rate on all loans to Native Americans by an additional 3%. Has Banker Fred violated any laws? A. Yes, this would be viewed as discriminatory. B. No, loan terms can be established independently of discrimination laws. C. No, if the loan terms are not advertised. D. Yes, this is a violation of usury laws.

Yes, this would be viewed as discriminatory.

Which of these phrases would not be considered discriminatory if used in advertising? 1. White family home 2. Christian home 3. Couples only 4. Wheelchair ramps

Wheelchair ramps