CA RE Principles Ch.2

Department of Housing and Urban Development (HUD)

A federal agency that administers funding for projects related to housing

Which Civil Rights Act prohibited discrimination on the basis of race only?

Civil Rights Act of 1866

Discrimination on the basis of race, color, national origin, or gender is protected under which law?

Civil Rights Act of 1964

What are the exceptions to the Civil Rights Act of 1964?

Dwellings units of 1-4 units Owner occupied Not representation by broker or salesperson

Generally speaking, which law prevails over state law?

Federal Law

In a situation where the HUD poster is NOT prominently displayed who bears the burden of proof against discrimination allegations?

It falls on the organization which should've had it displayed.

The Federal Fair Housing Law protects against what kind of discrimination?

Race color religion sex handicap familial status national origin

This states that the stricter law (federal vs. state) will prevail and take precedent?

Strictest Standard Rule

Redlining

The refusal to lend money within a specific area for various reasons.

blockbusting & panic selling

The use of prejudice to instill fear, or panic (also known as panic selling), in order to motivate individuals in a particular area or neighborhood to sell or dispose of their property because of the entrance, or potential entry, of a protected class.

The Federal Housing Law is part of which Department?

U.S. Department of Housing and Urban Development (HUD)

Steering

Using racial, ethnic, or religious criteria in suggesting, recommending, and/or influencing individuals regarding locations for the purchase or rental of a single family residence or rental dwelling.

The burden of proof to prove discrimination lies on who if the HUD poster is prominently displayed?

The accuser

The Federal Housing Law applies to which of the following categories?

-Appraisal of housing -the provision of RE brokerage services -blockbusting -financing of housing -advertising the sale or rental of housing or residential lots -1in the sale or rental of residential housing

The law that prohibited discrimination on the basis of race, color, national origin, or gender in any housing program receiving federal money.

Civil Rights Act of 1964