Level 24: Fair Housing
Betty is an agent. She is showing properties to a Jewish couple. They ask to be shown only houses near synagogues. What should Betty do? - Betty should say that she can't take this factor into account, and show them houses in a range of neighborhoods that match their other parameters. - Betty should show them only houses by synagogues. - Betty should show them no houses by synagogues, even if the properties perfectly match the couple's other parameters. - Betty should show them only houses by synagogues, and also direct them to other resources which could give them additional information about this.
Betty should say that she can't take this factor into account, and show them houses in a range of neighborhoods that match their other parameters.
the original fair housing statute made it ALWAYS illegal to discriminate in housing on the basis of race or color, with no exceptions correct Select the word that matches the list of facts. Civil Rights Act of 1866 Civil Rights Act of 1964 Fair Housing Act Georgia Fair Housing Act of 1988
Civil Rights Act of 1866
forbade discrimination in publicly funded housing projects similar to Executive Order 11063 correct Select the word that matches the list of facts. Civil Rights Act of 1866 Civil Rights Act of 1964 Fair Housing Act Georgia Fair Housing Act of 1988
Civil Rights Act of 1964
prohibited discrimination in housing based on race, color, religion, national origin, sex, disability, and familial status also called Title VIII of the Civil Rights Act of 1968 correct Select the word that matches the list of facts. Civil Rights Act of 1866 Civil Rights Act of 1964 Fair Housing Act Georgia Fair Housing Act of 1988
Fair Housing Act
What is one function of HMDA? HMDA allows lenders to deny loans based on certain demographic categories. HMDA is a special provision of the Fair Housing Act. HMDA requires lenders to issue the Loan Estimate and Disclosure Form. HMDA requires lenders to disclose specific lending information, including each borrower's race, ethnicity, gender, and age.
HMDA requires lenders to disclose specific lending information, including each borrower's race, ethnicity, gender, and age.
HUD requires that a fair housing complaint be filed within ___________ of the violation. The GCEO requires that a fair housing complaint be filed within _________________of the violation. A person can file a private civil lawsuit within ________________of a fair housing violation.
HUD requires that a fair housing complaint be filed within one year of the violation. The GCEO requires that a fair housing complaint be filed within one year of the violation. A person can file a private civil lawsuit within two years of a fair housing violation.
requires lenders to ask for race, ethnicity, gender, and age requires lenders to disclose specific lending information correct Select the word that matches the list of facts. Home Mortgage Disclosure Act Real Estate Settlement Procedures Act Omnibus Appropriations Act Equal Credit Opportunity Act
Home Mortgage Disclosure Act
Of the below, who meets the criteria for disability? (Select All That Apply) Marcia, who is perceived to be visually impaired, even though she is not Jan, who is a recovering alcoholic Roberto, who has a history of mental illness, although he is currently stable Al, who has mobility impairments Caroline, who is developmentally delayed Bill, who is currently addicted to opioids
Marcia, who is perceived to be visually impaired, even though she is not Jan, who is a recovering alcoholic Roberto, who has a history of mental illness, although he is currently stable Al, who has mobility impairments Caroline, who is developmentally delayed
A landlord refuses to rent to LaDarius because he is gay. Can this be prosecuted under the Fair Housing Act? - Yes. Sexual orientation is one of the seven stated protected classes under the Fair Housing Act. - No. There are no federal, state, or local ordinances that protect against sexual orientation discrimination in housing. - No. A landlord can always choose which residential tenants to rent to. The Fair Housing Act only covers commercial transactions. - Maybe. While the Fair Housing Act does not explicitly include sexual orientation or gender identity as a protected class, some court cases have found that discrimination under sexual orientation or gender identity can be prosecuted under the Fair Housing Act under one of its seven protected classes.
Maybe. While the Fair Housing Act does not explicitly include sexual orientation or gender identity as a protected class, some court cases have found that discrimination under sexual orientation or gender identity can be prosecuted under the Fair Housing Act under one of its seven protected classes.
allows lenders to conduct self-tests to evaluate their lending practices business which find discriminatory practices are allowed to remedy without federal lawsuits correct Select the word that matches the list of facts. Home Mortgage Disclosure Act Real Estate Settlement Procedures Act Omnibus Appropriations Act Equal Credit Opportunity Act
Omnibus Appropriations Act
The Supreme Court decided that "separate but equal" separation of the races was legal. A Black man sat in a white compartment of a train, and was charged with violating state law. correct Select the word that matches the list of facts. Buchanan v. Warley Plessy v. Ferguson Brown v. Board of Education Shelly v. Kraemer
Plessy v. Ferguson
A white couple owned a residence in Missouri governed by a restrictive covenant that prevented Black people from owning property in the subdivision. The Supreme Court decided that the enforcement of racially restrictive covenants was unconstitutional. correct Select the word that matches the list of facts. Buchanan v. Warley Plessy v. Ferguson Brown v. Board of Education Shelly v. Kraemer
Shelly v. Kraemer
The best way to avoid accusations of discrimination is to: Treat everyone who enters your real estate office exactly the same. Keep thorough records of each client's background information. Don't speak publicly about your thoughts on a client of a different ethnicity. Cater your services to only one specific type of client.
Treat everyone who enters your real estate office exactly the same.
Under ECOA, a lender may only ask questions that are relevant to an individual's financial standing. Therefore, a lender ________ask if an applicant is divorced or widowed. They _______ask if a borrower is married, unmarried, or separated.
Under ECOA, a lender may only ask questions that are relevant to an individual's financial standing. Therefore, a lender may notask if an applicant is divorced or widowed. They may ask if a borrower is married, unmarried, or separated.
Sal, who is not a real estate license holder, owns four single-family homes, which he rents out. Does he have to abide by the Fair Housing Act? No, he is exempt from the Fair Housing Act, since he owns ten or fewer single-family homes. Yes, he must abide by the Fair Housing Act. He would only be exempt if he owned three or fewer single-family homes. No, he is exempt from the Fair Housing Act, since he owns five or fewer single-family homes. Yes, he must abide by the Fair Housing Act. He would only be exempt if he owned two or fewer single-family homes.
Yes, he must abide by the Fair Housing Act. He would only be exempt if he owned three or fewer single-family homes.
A Jewish organization owns a fourplex. It wants to rent to only Jewish tenants. Under the federal Fair Housing Act, is this legal? Yes. Religious organizations which rent to tenants for residential purposes are exempt from the Fair Housing Act. No. Religious organizations are never allowed to discriminate based on religious preferences. No. While private clubs can discriminate based on their preferences, religious organizations cannot. Yes. Religious organizations which rent to tenants for both residential AND commercial purposes are exempt from the Fair Housing Act.
Yes. Religious organizations which rent to tenants for residential purposes are exempt from the Fair Housing Act.
The Fair Housing Act would NOT cover which of the following property sales? an undeveloped tract of land that will be used for a mixed development a condominium sale a retail spot in a mall a residential property
a retail spot in a mall
A broker's real estate office will have a copy of the fair housing poster because: It is required by HUD. It shows that the personnel of the company will give equal treatment to all who enter the office. It helps to inform and educate the agents of that brokerage of fair housing practices. all choices are correct
all choices are correct
Hilary asks that the property manager of her complex always call before anyone (like a maintenance worker) comes over, because she has severe anxiety around strangers. What is Hilary requesting? special treatment a modification an accommodation a favor
an accommodation
an agent buys homes from white clients at a low price and then sells them at a high price to Black clients an agent tells white clients that property values are declining because of the influx of Hispanic residents correct Select the word that matches the list of facts. redlining steering blockbusting not a violation
blockbusting
HUD is working with a housing provider to make reparations to a tenant whom the provider admits they discriminated against, albeit unintentionally. Currently, the mediator is drawing up a list of possible actions for the provider to take. What is this process called? conciliation, also known as voluntary compliance redlining, also known as mediating testing, also known as arbitrating steering, also known as blockbusting
conciliation, also known as voluntary compliance
What are some of the duties of the GCEO? (Select All That Apply) enforce the Georgia Fair Housing Act punish those who violate state or federal fair housing laws promote redlining promote understanding of the Georgia Fair Housing Act and the federal Fair Housing Act promote broader housing choices in Georgia
enforce the Georgia Fair Housing Act punish those who violate state or federal fair housing laws promote understanding of the Georgia Fair Housing Act and the federal Fair Housing Act promote broader housing choices in Georgia
an agent shows a prospect one home by a church, one home by a school, one home by a park, and one home by a shopping center an agent tells a client that she cannot show him only homes in historically Asian neighborhoods correct Select the word that matches the list of facts. redlining steering blockbusting not a violation
not a violation
All of the following are good advertising practices for a brokerage EXCEPT: distributing advertisements in many different neighborhoods using images that reflect a diverse population promoting fair housing compliance only in print (not online) material using nondiscriminatory and inclusive language
promoting fair housing compliance only in print (not online) material
A lender tells his new hire that as a bank, they have a policy of never giving loans to people who live in a certain neighborhood by the highway. What is this an example of? blockbusting testing redlining steering
redlining
a bank refuses to issue mortgages in a traditionally Hispanic neighborhood the Community Reinvestment Act and Home Mortgage Disclosure Act aim to prevent this correct Select the word that matches the list of facts. redlining steering blockbusting not a violation
redlining
The provisions of the ADA are MOST likely to apply to owners of: restaurants apartments single-family homes condos
restaurants
A client says to you, "I'm not racist, but I just want to know... is this a good neighborhood?" How should you respond? "It is the policy of our company not to answer questions of that nature. If you are concerned, you are free to do some research on your own." "Some people have moved in from the east side of town, but they make excellent neighbors." "Yes, it's a good neighborhood." "You should ask Mary, my fellow agent."
"It is the policy of our company not to answer questions of that nature. If you are concerned, you are free to do some research on your own.
As of 2018, what are the maximum civil penalties for fair housing violations? - $5,000 for a first offense, $10,000 for a second violation within five years, $20,000 if two or more violations occur within seven years - $20,000 for a first offense, $50,000 for a second violation within five years, $100,000 if two or more violations occur within seven years - $40,000 for a first offense, $100,000 for a second violation within five years, $200,000 if two or more violations occur within seven years - $10,000 for a first offense, $30,000 for a second violation within five years, $75,000 if two or more violations occur within seven years
$20,000 for a first offense, $50,000 for a second violation within five years, $100,000 if two or more violations occur within seven years
Of the following, who may be exempt from the Fair Housing Act? (Select All That Apply) a Catholic church, which is renting out property it owns to residential tenants Port Charles Senior Citizen Center, in which all residents are older than 62 Josselyn, who is selling a home that she owns (she currently owns four other properties) Spencer, who is renting out a unit in the fourplex that he owns (he lives in one of the other units) Trina, a real estate agent who is selling her own home
- a Catholic church, which is renting out property it owns to residential tenants - Port Charles Senior Citizen Center, in which all residents are older than 62 - Spencer, who is renting out a unit in the fourplex that he owns (he lives in one of the other units)
A landlord may refuse housing or evict a tenant if the tenant poses a(n)________________ threat. A landlord may NOT do so if a tenant poses a(n) ____________threat.
A landlord may refuse housing or evict a tenant if the tenant poses a(n) directthreat. A landlord may NOT do so if a tenant poses a(n) indirect threat.
Which of the below is a violation of the federal Fair Housing Act? An agent learns that a buyer has AIDS. He tells him that certain properties aren't available, even though they are. An agent makes snide comments about an applicant's weight. A property manager tells a 16-year-old girl that he cannot rent to her because she is a minor. A property manager tells a woman that he cannot rent to her because she has bad credit.
An agent learns that a buyer has AIDS. He tells him that certain properties aren't available, even though they are
Lawyers from the NAACP sought court orders to let Black students attend white public schools. The Supreme Court decided that "separate but equal" was unconstitutional. correct Select the word that matches the list of facts. Buchanan v. Warley Plessy v. Ferguson Brown v. Board of Education Shelly v. Kraemer
Brown v. Board of Education
The Supreme Court decided that racially based zoning was unconstitutional. The city of Louisville, Kentucky had an ordinance prohibiting Black people from living on a block where the majority of residents were white. correct Select the word that matches the list of facts. Buchanan v. Warley Plessy v. Ferguson Brown v. Board of Education Shelly v. Kraemer
Buchanan v. Warley
Ethel and Fred, a couple, are buying a home together. They are not married. The lender is threatening to deny them a loan because he does not like the fact that they aren't married. If the lender does that, it will be a violation of: The Civil Rights Act of 1964 ECOA the Fair Housing Act This is not a violation; the lender can deny Ethel and Fred on this account.
ECOA
protects on the basis of marital status and age, among other protected classes makes it illegal to refuse borrowers credit if they qualify for it correct Select the word that matches the list of facts. Home Mortgage Disclosure Act Real Estate Settlement Procedures Act Omnibus Appropriations Act Equal Credit Opportunity Act
Equal Credit Opportunity Act
An agent must answer every question a client asks. FALSE TRUE
FALSE
same protected classes and exemptions as the Fair Housing Act; very similar prohibitions enforced by the GCEO correct Select the word that matches the list of facts. Civil Rights Act of 1866 Civil Rights Act of 1964 Fair Housing Act Georgia Fair Housing Act of 1988
Georgia Fair Housing Act of 1988
What was the ruling in Brown v. Board of Education? It upheld Plessy v. Ferguson's decision that "separate but equal" was constitutionally acceptable. It reversed Plessy v. Ferguson's decision that "separate but equal" was constitutionally acceptable.
It reversed Plessy v. Ferguson's decision that "separate but equal" was constitutionally acceptable.
Greg, a real estate agent, is selling his own condo. He wants to sell it to a family that doesn't have small children. Is his decision legal? No. As a broker, Greg does not qualify for exemptions from the Fair Housing Act. Yes. Greg qualifies for Exemption #1 to the Fair Housing Act, which applies to single-family residences sold or rented by the owner.
No. As a broker, Greg does not qualify for exemptions from the Fair Housing Act.
requires lenders to issue the Loan Estimate and Disclosure Form used the GFE to help borrowers spot predatory lenders correct Select the word that matches the list of facts. Home Mortgage Disclosure Act Real Estate Settlement Procedures Act Omnibus Appropriations Act Equal Credit Opportunity Act
Real Estate Settlement Procedures Act
Any person who believes that they have been injured by the discriminatory practices of a real estate license holder has one year to file a complaint with HUD. TRUE FALSE
TRUE
Let's review some of the differences between the Fair Housing Act and the ADA: The Fair Housing Act covers _______________protected classes, including disability. The ADA covers only ____________. The Fair Housing Act applies to ____________dwellings. The ADA applies to _______________areas: employment, public accommodations and commercial facilities, public transportation, and telecommunications.
The Fair Housing Act covers multiple protected classes, including disability. The ADA covers only disability. The Fair Housing Act applies to residential dwellings. The ADA applies to commercial areas: employment, public accommodations and commercial facilities, public transportation, and telecommunications.
A bank tells Sally, who is Black, that she is not qualified for a loan to buy a condo. Sally, suspicious, asks her white husband, who has very similar credit, to go in and make the same pitch for the same property. He is granted the loan. Evaluate this situation. The bank is guilty of bona fide discrimination. The bank has done nothing wrong. The bank is guilty of credit discrimination. The bank's actions are not illegal, but they are certainly ethically questionable.
The bank is guilty of credit discrimination
A landlord is showing a young couple around a multi-family building and is ready to accept their rental application. The landlord finds out the couple is pregnant and decides to rent the unit to someone else, as he fears a screaming baby will upset neighbors. What is TRUE of this situation? - The landlord is in violation of fair housing legislation, as the couple is protected under familial status. - The landlord is unethical in his decision, but is not in violation of any federal regulations. - The landlord is free to make his own choices and has done nothing wrong in this situation. - The landlord is in violation of fair housing legislation, as the couple is protected under temporary disability.
The landlord is in violation of fair housing legislation, as the couple is protected under familial status.
A property manager is talking to Bob, who wants to rent an apartment. Bob mentions that he is autistic. The property manager thinks that dealing with an autistic individual would be too much trouble. He directs Bob to another complex, saying that the complex is better suited to Bob's "needs." - The property manager is refusing to rent to Bob due to Bob's disability. This violates the Civil Rights Act of 1866. - Disability is not covered under the Fair Housing Act, so the property manager is within his rights to deny Bob housing. - The property manager is refusing to rent to Bob due to Bob's disability. This violates the Fair Housing Act. - The property manager is refusing to rent to Bob due to Bob's disability. This violates Executive Order 11063.
The property manager is refusing to rent to Bob due to Bob's disability. This violates the Fair Housing Act.
Property manager Fred gives a quick tour of an apartment to a woman in a wheelchair. A few weeks later, Fred gives another tour, this time to an able-bodied woman of about the same age, race, and income bracket. He spends much more time with her. Soon, he's charged with discrimination. Evaluate. - Fred's behavior is suspicious, but legally, he has done nothing wrong, as disability is not protected by the Fair Housing Act. - Fred will be found innocent of discrimination. - Fred can be prosecuted under the Americans with Disabilities Act, but not the Fair Housing Act. - The second woman may have been a tester.
The second woman may have been a tester.
Why do most brokerages fall within the scope of the ADA, and, therefore, must be extra careful about accessibility? because of their location or because they have 15 or more employees None of the answer choices are correct. because they have under 15 employees because there is an addendum to ADA specifically pertaining to brokerages
because of their location or because they have 15 or more employees
A landlord rents an apartment to Fred, who has a service dog. Fred asks the landlord to install a doggy door for the dog. Does the landlord have to accept Fred's request? Yes, although the landlord can require that Fred pay for the installation of the doggy door and its eventual removal. The landlord only has to accommodate Fred's request if they change the no-pet policy for all tenants (able-bodied and disabled alike). Yes, and the landlord must pay for the doggy door's installation and removal, as well. No, the landlord does not have to accommodate Fred's request.
Yes, although the landlord can require that Fred pay for the installation of the doggy door and its eventual removal.
Marcus, who is not a real estate license holder, owns a complex which houses six families. He lives in one unit, and rents out the other five. Does he have to abide by the Fair Housing Act? No, he does not have to abide by the Fair Housing Act, since the complex houses less than ten families. No, he does not have to abide by the Fair Housing Act, since the complex houses less than nine families. Yes, he must abide by the Fair Housing Act, since he does not meet the criteria to be exempt. No, he does not have to abide by the Fair Housing Act, since the complex houses less than eight families.
Yes, he must abide by the Fair Housing Act, since he does not meet the criteria to be exempt.
A property manager is showing a possible tenant around an apartment complex. The manager says, "I really don't think you can manage the stairs with that cane. Let's stick to just properties on the first floor, ok?" Is this discriminatory? - No. The property manager is trying to find the best housing for the tenant's needs. - As long as the property manager has good intent, this cannot be construed as discriminatory. - In some states, but not all, this would be a discriminatory action. - Yes. The property manager is steering the tenant on the basis of his disability.
Yes. The property manager is steering the tenant on the basis of his disability.
Both Executive Order 11063 and the Civil Rights Act of 1964 concerned only _____________properties. Because of this limitation, these Acts were not very effective.
federally funded
Blockbusting may also be referred to as: panic selling steering puffing redlining
panic selling
In Buchanan v. Warley, the court ruled that William Warley: - should not be able to purchase a house in a predominantly white neighborhood, because he is Black - should be able to purchase a house in a predominantly white neighborhood, even though he is Black - should buy Buchanan's home as soon as possible - could purchase a house in a predominantly white neighborhood, but could not buy Buchanan's home
should be able to purchase a house in a predominantly white neighborhood, even though he is Black
a property manager only shows a woman units in a building with mostly female residents an agent tells a prospect that a certain neighborhood is "very diverse" and wiggles his eyebrows ominously correct Select the word that matches the list of facts. redlining steering blockbusting not a violation
steering
Because of Jones v. Mayer, what Act finally became enforceable? HMDA Executive Order 11063 the Civil Rights Act of 1866 the Fair Housing Act
the Civil Rights Act of 1866
Which office implements and enforces the Fair Housing Act? the FHAP the FHOI the FHIP the FHEO
the FHEO
