Chapter 7: 45 Hour Course

A business practice in the mid 1900's where real estate agents and building developers convinced white property owners to sell their houses at low prices out of fear that colored people would move into the neighborhood. The agents then sold the houses at much higher prices to black families.

Blockbusting

If a fair housing complaint is filed, HUD will attempt to refer the complaint to a state or local: Fair Housing Assistance Program Agency. Office of Equal Rights. Office of the Comptroller. National Fair Housing Alliance.

Fair Housing Assistance Program Agency.

When does exclusionary discrimination occur?

Exclusionary discrimination occurs during the process of searching for a house to rent or buy. ***Exclusionary. Happens before a person moves into a home and is often subtle, such as lying or omitting information. ***Non-exclusionary. Happens after a person moves into a home and is often direct, such as harassment and verbal abuse.

HUD created the Fair Housing Design Manual to assist designers, builders, and developers in understanding and conforming to fair housing design requirements. The Fair Housing Act requires that new construction of covered multifamily dwellings comply with the design requirements. It applies to housing that was designed or constructed for first occupancy after March 13, 1991.

Fair Housing Design Manual

An independent agency created by Congress that maintains the stability and public confidence in the nation's financial system by insuring deposits, examining and supervising financial institutions, and managing receiverships is the: National Credit Union Administration. Office of the Comptroller of the Currency. Federal Deposit Insurance Corporation (FDIC). National Fair Housing Alliance.

Federal Deposit Insurance Corporation (FDIC).

What term refers to a group of people who have differences and similarities in biological traits deemed by society to be socially significant, meaning that people treat other people differently because of them? Ethnicity Genealogy Ancestral Race

Race

Occurs when real estate brokers attempt to limit potential homebuyers to neighborhoods where current residents are predominantly of their race.

Racial steering.

Is a term related to individuals with disabilities having the legal right to request exceptions to housing rules or policies in order to access housing, maintain housing, or have full use and enjoyment of housing.

Reasonable accommodation.

Is similar to reasonable accommodation but involves a structural modification to a building or unit in order for a disabled person to use and occupy the unit.

Reasonable modification

The practice of denying or limiting financial services to specific residents or neighborhoods based on race or income.

Redlining

What is redlining?

Redlining is the practice of denying or limiting financial services to specific residents or neighborhoods, usually based on race or income.

What is the primary function of the Fair Housing Assistance Program (FHAP)?

The FHAP provides funding on a noncompetitive basis to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act.

What program provides funding on a noncompetitive basis to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act? The Fair Housing Assistance Program The Federal Financial Institutions Examination Council The Fair Housing Initiatives Program The National Fair Housing Alliance

The Fair Housing Assistance Program

What has HUD created to assist designers, builders, and developers in understanding and conforming to fair housing design requirements? The Fair Housing Design Manual The Understanding Fair Housing Booklet The Reasonable Accommodation Practices Manual The Structures in Fair Housing Pamphlet

The Fair Housing Design Manual

What entity is an independent agency created by Congress that maintains the stability and public confidence in the nation's financial system by insuring deposits, examining and supervising financial institutions, and managing receiverships?

The Federal Deposit Insurance Corporation (FDIC)

What Act protects prospective renters, current tenants and homeowners from housing discrimination? The Fair Housing Amendments Act The Federal Fair Housing Act The Disability Rights in Housing Act The National Fair Housing Act

The Federal Fair Housing Act

What types of people does the Federal Fair Housing Act protect?

The Federal Fair Housing Act protects prospective renters, current tenants, and homeowners from housing discrimination.

Who tracks and facilitates access to lending, rental, and other housing data, and makes recommendations to promote uniformity in the supervision of financial and housing-related institutions? The Federal Reserve The Department of Justice The Fair Housing Assistance Program The Federal Financial Institutions Examination Council

The Federal Financial Institutions Examination Council

Under the Fair Housing Act, what is the allowable level change at a primary entrance between finished floors at an exterior entry landing?

The allowable level change is 1/2" between the finished floors.

According to the Fair Housing Design and Construction Requirements, all doors that allow passage into and within all premises must be wide enough to: accommodate people over 300 lbs. install grab bars. allow passage for wheelchairs. allow room for hospital beds.

allow passage for wheelchairs.

A continuous, unobstructed path connecting accessible elements and spaces within a building or site that can be negotiated by a person with a disability who uses a wheelchair is called: an accessible entrance. accessibility planning. an accessible route. a continuous approximation.

an accessible route.

The Housing for Older Person's Act of 1995 (HOPA) exempts some communities from fair housing laws regarding age if they are designated: as multi-family housing. as integrative housing. as senior housing. as low cost housing.

as senior housing.

A business practice where real estate agents and building developers convinced white property owners to sell their houses at low prices out of fear that black people would move into the neighborhood was called: liquorlining. blockbusting. linguistic profiling. redlining.

blockbusting.

Real estate agents attempting to limit potential homebuyers to neighborhoods where current residents are predominantly of their race is called: planned shrinkage. blockbusting. residential segregation. racial steering.

racial steering.

The Fair Housing Act requires that new construction of covered multifamily dwellings comply with: National Fair Housing Alliance. the Fair Housing Act's design and construction requirements. the Fair Housing Design Manual. the Department of Justice.

the Fair Housing Act's design and construction requirements. ****The Fair Housing Act requires that new construction of covered multifamily dwellings comply with the Fair Housing Act's design and construction requirements.

A tester who receives misrepresentation from renters, sellers, or real estate agents has legal standing to sue under: the Fair Housing Amendments Act. the National Housing Act. the American's with Disabilities Act. the Fair Housing Act.

the Fair Housing Act.

The main federal agency tasked with the challenge of enforcing fair housing laws and protecting individuals from housing-related discrimination is called: the Department of Justice (DOJ). the Fair Housing Assistance Program (FHAP). the Office of Fair Housing and Equal Opportunity (FHEO). the Fair Housing Accessibility FIRST.

the Office of Fair Housing and Equal Opportunity (FHEO).

U.S. Department of Justice civil penalties can reach as high as

$150,000

Identify at least two groups not protected under the Fair Housing Act, but that may be covered by laws in some states.

-Housing Discrimination Based on Source of Income or Rental Assistance -Housing Discrimination Based on Military Status -Housing Discrimination Based on Domestic Violence, Sexual Abuse, and Stalking

In addition to civil penalties, other penalties can include:

-Intangible damages, such as embarrassment, humiliation, mental anguish, emotional distress, and psychological injuries -Compensatory damages that includes expenses while finding alternative housing, rent fees associated with alternative housing, and legal fees to process the claim -Punitive damages in cases where there is clear evidence of malicious intent -Attorney's fees

If a case is processed through HUD, a HUD Administrative Law Judge (ALJ) can issue the following civil penalties:

-Up to $16,000 for first time violators -Up to $42,000 for second time violators -Up to $70,000 for violators with two or more previous violation

What is the process by which organizations obtain, improve, and retain the skills, knowledge, tools, equipment and other resources needed to do their jobs? Capacity building Resistance construction Production engineering Function planning

Capacity building

What is the process called when HUD brings all parties together in an attempt to resolve a fair housing complaint?

Conciliation REMEMBER!!!

What is defined as the status of being married, single, widowed, divorced, or separated? Familial status National origin Marital status Gender expression

Marital status

Whose mission is to increase homeownership, support community development, and increase access to affordable housing free from discrimination? The Department of Justice HUD The Fair Housing Initiatives Program The National Fair Housing Alliance

HUD

What is the purpose of the Fair Housing Design Manual?

HUD created the Fair Housing Design Manual to assist designers, builders, and developers in understanding and conforming to fair housing design requirements.

Non-Federal Housing Discrimination Laws

Many states have enacted laws protecting discrimination issues that are currently not covered under the Fair Housing Act. It is important to be aware of these issues since the FHA may be amended in the future to include them.

What agency is a consortium of more than 220 private, non-profit fair housing organizations, state and local civil rights agencies, and individuals?

National Fair Housing Alliance (NFHA)

What kind of discrimination commonly involves neighbors harassing or intimidating other residents or owners? Nonexclusionary discrimination Unconscious discrimination Automatic discrimination Exclusionary discrimination

Nonexclusionary discrimination

Who is usually the offender in cases of non-exclusionary discrimination?

Offenders are typically landlords or neighbors who harass and essentially create a distressing environment for renters or owners.

What is another term given to the practice of blockbusting?

Panic Peddling

The deliberate withdrawal of city services as a means of coping with dwindling tax revenue.

Planned shrinkage.

What occurs when a lender or insurer targets minorities to offer them the most expensive loan products? Reverse redlining Linguistic profiling Retail redlining Environmental racism

Reverse redlining

Who was sued in 2007 for using criteria to grant student loans that created an adverse impact on students attending schools with higher minority populations? Navient Freddie Mac Sallie Mae Fannie Mae

Sallie Mae REMEMBER

What is defined as legal, verifiable income paid directly to a tenant or representative? Remuneration Source of income Current earnings Rental assistance

Source of income

What is the most common method used to expose fair housing discrimination?

Testing

Who pays for a building modification that is not required by law?

The landlord may grant the modification request, but the disabled person is responsible for the cost. The landlord may also require the modification be removed when the resident vacates the property.

What is the mission of the Office of Fair Housing and Equal Opportunity?

The mission of the FHEO is to create, administer, and enforce fair housing laws to ensure all Americans have equal access and opportunity to housing without being discriminated based on race, color, religion, sex, national origin, disability, and familial status.

What is the impact of racial steering?

The practice of racial steering lowers the demand for housing in predominantly minority neighborhoods. Since real estate is one of the largest sources of household wealth, this devaluation is a significant source of economic inequality.