Fair Housing Laws

Sally and Fred are two single people buying a home together. The lender is threatening to deny them a loan because he does not like their lifestyle. If the lender does that, it will be a violation of the:

ECOA

Carla has clients looking for a rental property who only speak Spanish. What should she do to accommodate them?

provide them with the official translated lease forms

Which was the first housing discrimination protection act?

Civil Rights Act of 1866

Why do most brokerages fall within the scope of the ADA, and therefore must be extra careful about accessibility?

Many brokerages fall within the scope of ADA because of their location or because they have 15 or more employees.

Which of these tenants is protected by the Fair Housing Act?

a seeing impaired woman who uses a service dog in a pet-free building.

What is a protected category according to Texas fair housing laws, but not national ones?

ancestory

You are working with a Black buyer, Tom, and you decide to show him homes in a neighborhood with a high Black population. This illegal act is known as:

steering

Landlords are required to allow tenants to make modifications to their property in order to accommodate their disability. Who's responsible for paying for these modifications?

the tenant

Which of the following statements accurately describes the basic issues involved in the Jones v. Mayer Co. case?

In the U.S. Supreme Court case Jones v. Mayer Co., the refusal to sell a home because of the prospective buyer's race was found to be a violation of the law. The court decided that the defendant had violated the Thirteenth Amendment as well as 42 U.S. Code 1982.

What two important classifications were added to the list of protected classes under the 1988 Housing and Community Development Act amendment?

familial status and disability

At what age does a child living with his or her parents no longer qualify for familial status protection under the Fair Housing Act?

18

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

Christian neighborhood.

The ______________ was passed to help eliminate redlining.

Community Reinvestment Act

If a lender refuses to make Harry a 30-year mortgage just because Harry is 85 years old, they will have violated the ____________________

Equal Credit Opportunity Act.

Protected classes in the Fair Housing Act of 1968 include race, color, religion, national origin, sex, disability, and what other category?

Familial status

What is the best definition of blockbusting?

Panic selling or blockbusting is encouraging homeowners to sell before their homes will supposedly lose value because of the entry of a protected class in the area.

Under the ECOA, it is legal for a lender to ask if a borrower is separated.

TRUE

An elderly couple is going to rent their vacant basement for extra income. The couple does not want a family with children. The couple asks their granddaughter, who is a real estate agent, to help them with finding tenants. Is this legal? Why or why not?

The couple is NOT exempt from the Fair Housing Act if they use the facilities or services of a real estate license holder (broker or agent) or anyone else engaged in the business of selling or renting dwellings.

A tenant comes to a property manager asking to put in shower bars to accommodate their disability. When they property manager informs the landlord, the landlord balks, because the tenant is not a wheelchair user. What should the property manager do? Choose the BEST option.

The landlord is in danger of violating the Fair Housing Act (the ADA does not generally apply to residential property). A good property manager would inform them of that and push back on refusing to provide the accommodation.

The protected class of disability is defined as anyone who has:

The law states that a disability is any physical or mental impairment that limits one or more of a person's major life activities, such as walking, talking, hearing, seeing, breathing, learning, performing manual tasks, and caring for oneself.

How long does person who believes that they have been injured by the discriminatory practices of a real estate license holder have to file a complaint with HUD?

one year