Ch. 5 - Fair Housing Laws
The Equal Credit Opportunity Act was enacted in:
1974
The Housing and Community Development Act was enacted in:
1974
Physical Impairment
Any medical disorder, condition, disfigurement or loss affecting one of the body systems, such as neurological, musculoskeletal, special sense organs, respiratory, cardiovascular, reproductive, digestive, genitourinary, immune, circulatory, hemic, lymphatic, skin, and endocrine.
Americans with Disabilities Act (ADA)
Federal law protecting the rights of individuals with physical or mental impairments.
The Texas Workforce Commission cannot take fair housing discrimination complaints if the same complaint is also filed with:
HUD
Civil Rights Act of 1866
Prohibits all discrimination on the basis of race.
The Equal Credit Opportunity Act does not apply to:
Seller Financing
The prohibition of fair housing discrimination by a licensee is described in which Act?
Texas Real Estate License Act
A respondent of a HUD fair housing complaint has how many days to submit a response?
10
Based on the Texas Fair Housing Act of 1989, the Texas Workforce Commission has ________ days to investigate a fair housing complaint.
100
A fair housing complaint should be filed within _______ months of the incident:
12
The Community Reinvestment Act was passed in:
1977
Mental Impairment
Any mental or psychological disorder, such as intellectual disability, organic brain syndrome, emotional or mental illness, and specific learning disabilities.
Familial Status
Anyone younger than 18 being domiciled with a parent or other person having legal custody of such individual, or the designee of such parent or other person having such custody, with the written permission of the parent.
Which is a means to prevent steering?
Ask the client to describe where they want to live based on geographical boundaries
Which of the following is a Texas statue that deals with fair housing and discrimination? A. Texas Fair Housing Act B. Texas Real Estate License Act C. Texas Discrimination Act D. Texas Civil Rights Act
B. Texas Real Estate License Act
This federal law prohibits all discrimination on the basis of race only:
Civil Rights Act of 1866
This federal law prohibits discrimination in sale, rental, financing, or appraisal of housing on the basis of race, color, religion, gender, national origin, handicap, or familial status:
Civil Rights Act of 1968
This federal law requires all federally regulated lenders to describe the geographic market area that they serve:
Community Reinvestment Act
Those who file a fair housing complaint with HUD are referred to as:
Complainants
This department is charged with the regulatory responsibility of the Equal Credit Opportunity Act:
Consumer Financial Protection Bureau
Fair housing complaints cannot be filed through the Texas Workforce Commission in which of the following cities: A. Austin B. Corpus Christi C. Dallas D. All of the above
D. All of the above
HUD prohibits which of the following words in advertising? A. Adults B. Singles C. Children D. All of the above
D. All of the above
The following cities have ordinances that are equivalent to the federal fair housing laws: A. Austin B. Dallas C. San Antonio D. All of the above
D. All of the above
Under the Community Reinvestment Act, financial institutions must post annual statements, which include: A. Definition of the geographical boundaries of its community B. Identify the type of reinvestment credit offered to the community C. Comments from the public about the institution's performance in meeting the community's needs D. All of the above
D. All of the above
The Laws governing fair housing are also referred to as:
Equal Opportunity Housing
Fair Housing Act of 1968
Federal prohibition on discrimination in sale, rental, financing, or appraisal of housing on the basis of race, color, religion, gender, national origin, handicap, or familial status.
Blockbusting
Illegal practice of inducing homeowners to sell their properties by telling them that a certain people of a certain race, national origin or religion are moving into the area.
Redlining
Practice of refusing to make loans or otherwise denying financial assistance for housing in a particular area.
Civil Rights Act of 1964
Prohibited discrimination on the basis of race, sex, color, national origin, or gender in any housing program receiving federal money.
Those who HUD fair housing complaints are filed against are referred to as:
Respondents
All buildings built after March 31, 1991 must comply with the design and construction requirements of the:
Texas Fair Housing Act
Steering
The channeling of home seekers to particular neighborhoods or discouraging potential buyers from considering some areas.
True or False: The Federal Fair Housing Act of 1968 was generally ineffective at combating housing administration.
True
Testers
Volunteers from state or private agencies who enforce fair housing by claiming to be home seekers, thereby finding out if brokers deal fairly with all clients/customers.