Chapter 8

Which of the following phrases would be considered discriminatory if used in an advertisement?

"desirable neighborhood"

A developer wants to build a new community restricted to senior living. What MUST be TRUE for this community to be exempt from the Fair Housing Act?

80% of the units must be occupied by at least one resident who is 55 years of age or older.

According to RESPA, which of these activities would not be permitted?

A lender hosts a party, inviting only license holders who have referred business to the service provider.

Who would be allowed to purchase a home in qualified housing for a community of older persons?

Anyone who can afford the home may be allowed to purchase.

The laws set forth by the state of NY concerning fair housing are kept in:

Article 15 of the NY Human Rights Law

What Supreme Court decision reversed the decision of "separate but equal" facilities being constitutionally acceptable?

Brown vs. the Board of Education

Which of the following best describes Fair Housing Assistance Programs (FHAP)?

HUD-approved state and local agencies that enforce fair housing laws

What Supreme Court decision halted fair housing progress by affirming the rights of state and local governments to maintain segregation by allowing "separate but equal" facilities and services as an acceptable practice?

Plessy vs. Ferguson

Which of the following is true of steering?

Steering may mean directing a buyer away from a certain neighborhood due to the buyer's membership in a protected class.

An agent shows only firstfloor condominiums to a family with children when there are also available units on the fifth floor. The agent is worried about the safety of the children in such a high unit. What is true of this situation?

The agent is steering within the condominium community.

What should an agent do if the buyer does not express an interest in a particular neighborhood?

The agent should offer choices of homes in all area neighborhoods that are within the buyer's price range.

What should an agent do when asked to show homes only in neighborhoods with a large Hispanic population?

The agent should tell the client that they are not allowed to consider such factors.

Which of the following is NOT correct regarding modifications for persons with disabilities?

The landlord must pay for all reasonable modifications.

Which of the following is NOT true about the for.sale.by.owner exemption?

The owner may not own more than 10 homes.

If a property owner lives in a ______, they may sign up to join a list, which aims to prevent brokers and salespersons from soliciting the property owners.

a cease and desist zone

Article 15 of the NY Human Rights Law states that equal opportunity to fair housing is:

a civil right

What is the Civil Rights Act of 1866?

a law that began to promise equal rights for all citizens regardless of race or color

Of the following, who may legally be denied the opportunity to rent an apartment?

a single father with poor credit

Lana is currently in the middle of a fair housing lawsuit. She has been ordered to leave her property vacant until the suit is over. What has the judge ordered?

a temporary injunction

What is the practice of encouraging the panicked selling of homes below market value, generally by raising fears that an influx of individuals belonging to a protected class will decrease property values in a neighborhood (also known as panic selling)?

blockbusting

When they learned that a Black family was planning to move into a community, area agents contacted all the owners and tried to persuade them to sell their properties in anticipation of a perceived loss of value. The choice that best describes the agents' violation is:

blockbusting

Which example would get a license holder into trouble?

exclusively showing homes in a historically Hispanic neighborhood to a Hispanic couple

What is a protected class that applies to any family when at least one person under 18 years of age lives with at least one parent or legal guardian?

familial status

Which is not one of the seven protected classes under the Federal Fair Housing Act?

gender identity

A court issued a temporary injunction against a landlord accused of a fair housing violation. What must the landlord do?

leave the property involved vacant until the case is resolved

What is the legal status of being either married, single, divorced, or widowed?

marital status

Many allegations of fair housing violations are settled through a voluntary agreement between the parties involved. What is this process called?

mediation

What prohibits the solicitation of residential property listings, and applies to all real estate brokers and agents?

non-solicitation order

What type of court order requires an individual to stop discriminatory activities for either a set or unlimited amount of time?

permanent injunction

Payments to a plaintiff in excess of actual damages, used to discipline a violator, are known as:

punitive damages

Which are the correct requirements for two types of qualified age

restricted communities?-Everyone must be 62 or over, or 80 percent must be 55 or over.

A judge requires a property owner to leave a property vacant until a discrimination suit is concluded. What is the legal term for this order?

temporary injunction

What is a person who poses as a customer or client attempting to secure real estate services to ensure fair housing is practiced?

tester

What two laws form the foundation of current fair housing practices in the United States?

the Civil Rights Act of 1866 and the Fair Housing Act of 1968

The legislation that prohibited against discrimination on the basis of race, color, and national origin was:

the Civil Rights Act of 1964

If a court finds the existence of violations in the complaint, HUD requires the discrimination lawsuit to be filed within _____ of the original violation.

two years