ADA:Public accommodations

For a first offense, what is the penalty for noncompliance with the Americans with Disabilities Act?

$75,000.00 and penalties as high as $150,000 for subsequent violations.

Approximately how many people living in the United States are disabled in some capacity?

54 Million

Title III of the Americans with Disabilities Act applies only to the physical structure of your institution. True False

False. Compliance with Title III includes not only making your business physically accessible to people with disabilities, but also making the products and services you offer (and the actions your employees take when offering them) accessible to people with disabilities. Title III covers public accommodations and commercial facilities, including some private entities that offer educational and occupational certification exams and courses

Title III of the ADA -

Specifically deals with ensuring that people with disabilities have equal opportunity to access goods and services available in places of public accommodation. It requires that structures be modified to accommodate people with disabilities, allowing access "to the maximum extent feasible."

ADA

The ADA of 1990 adds another layer of protection against discrimination for persons with disabilities, specifically the cognitively and physically disabled. The precursor to this legislation was the Civil Rights Act of 1964, which prohibited discrimination based on gender, race, religion and national origin but failed to address the cognitively and physically disabled.

Which act of legislation protected millions of Americans from being discriminated against because of physical or cognitive impairment? A. Civil Rights Act of 1964 B. Americans with Disabilities Act of 1990 C. Title XI of the National Disabilities Act D. All the above

The Americans with Disabilities Act of 1990 (ADA) allowed for the protection of civil rights for the disabled

Financial strength, nature of the business and nature of the structure all play a part in Title III modification decisions.

True

When dealing with a person with a cognitive disability, here are several ideas to keep in mind:

• Treat the customer with the same dignity as any other consumer. • Treat adults as adults. • Speak directly to the customer. Her speech may be impaired, but she may be more cognitively capable than her actions indicate. • Speak with simple, concrete language. • Try using different words if you think the person doesn't understand you. • When giving instructions, break the information into simple steps. Demonstrate procedures. Don't just give verbal instructions. • Use pictures to aid in your explanations.

Which patrons below will be served by your financial institution's compliance with Title III?

A. Customers with cognitive disabilities B. Wheelchair patrons C. Hearing impaired customers D. Persons with cerebral palsy

Once your financial institution has modified physical barriers on the premises, you have met ADA Title III guidelines. True False

False

Americans with Disabilities Act of 1990 (ADA) -

Guaranteed federal protections from discrimination for persons with disabilities. The ADA covers a variety of fields, including employment, public accommodations, transportation, state and local government services and telecommunications relay services.

Cognitive impairment -

Occurs when decision-making skills, language, learning or memory abilities are impaired. These disabilities are not necessarily visible or apparent, but they affect the person's ability to function.

Disability -

These include orthopedic, visual, speech and hearing impairments; cerebral palsy, epilepsy, muscular dystrophy, multiple sclerosis; cancer; heart disease; diabetes; intellectual developmental disorders; emotional illness; specific learning disabilities; HIV; tuberculosis; drug addiction and alcoholism.

What is Title III?

Title III of the Americans with Disabilities Act specifically deals with ensuring that people with disabilities have equal opportunity to access goods and services available in places of public accommodation, including your financial institution.

It's important to document every effort your institution makes to comply with Title III. This includes every meeting and seminar as well as every modification to your services.

True. A paper trail may be your financial institution's best defense in taking steps to ensure compliance with this federal mandate.document every effort you make to comply with the ADA's Title III. List every meeting, each seminar and every modification to physical and non- physical barriers. You'll want to have a paper trail of all the steps your financial institution has taken to ensure compliance with this federal mandate.

What should you do to find out if a person with a cognitive disability understands your instructions? A. Come right out and ask him, "Do you understand?" B. Ask simple "who, what, when, where, why and how" questions to test comprehension. C. Ignore him and just continue your explanation. D. None of the above

Ask simple "who, what, when, where, why and how" questions to test comprehension.

Unseen barriers -

Barriers that are not physically visible. A person with a cognitive disability may not be able to process information quickly, or he/she may get confused when in unfamiliar surroundings. Such unseen barriers can pose challenges that other customers don't experience.

Passage of the Americans with Disabilities Act of 1990 (ADA) guaranteed federal protections from discrimination for persons with disabilities.

Correct.

The Civil Rights Act of 1964 prohibits discrimination based on gender, race, religion, national origin or cognitive or physical disability. True False

False. The United States took a major step toward eliminating discrimination when the Civil Rights Act of 1964 was signed into law. Yet, although the Civil Rights Act prohibited discrimination based on gender, race, religion and national origin, this landmark legislation failed to protect millions of additional citizens who also suffered from discrimination.

ADA: Public Accommodations

For further information, please refer to ADA Accessibility Guidelines issued by the Architectural and Transportation Barriers Compliance Board (guidelines which are incorporated in the final Title III regulations).

Seen barriers -

Physical barriers people with disabilities must face. For example, counters may be too high, steps can be unusually steep and curbs may be hard to cross.

Civil Rights Act of 1964 -

Prohibits discrimination based on gender, race, religion and national origin. This landmark legislation failed to protect millions of additional citizens, such as people with disaibilities, who also suffered from discrimination.

Financial institutions should comply with the ADA's Title III because there are ________.

1. Legal costs if they discriminate against people with disabilities 2. Adverse public relations consequences from claims of discrimination and lawsuits 3.Economic benefits in serving their community

How to Overcome the Barriers to Equal Accommodation There are many ways to accommodate people with disabilities. Consider the following:

• Are instructions printed in large enough type for the visually handicapped to read? • Are picture instructions available so a person who can't read can understand your processes and procedures? • Are employees at your financial institution trained to understand how to properly assist customers with cognitive disabilities in a kind and respectful manner?

Who are the Disabled?

Disabilities can affect a person's ability to care for himself/herself, to perform manual tasks, to walk, see, hear, speak, breathe, learn or work. The ADA defines a disabled person as one who: • Has a physical or cognitive impairment that substantially limits one or more major life activities, or • Has a record of such impairment, or • Is regarded as having such an impairment.

People of all ages have disabilities.

People of all ages can have disabilities of varying degrees. They can be active employees in the workplace or they could be retired or unemployed

Title III focuses on giving equal opportunity

People of all ages can have disabilities of varying degrees. They can be active employees in the workplace or they could be retired or unemployed

There are various forms of disability.

People of all ages can have disabilities of varying degrees. They can be active employees in the workplace or they could be retired or unemployed.

You can remove many non-physical barriers just by being patient and giving extra time to disabled customers.

Persons with cognitive disabilities often need additional support such as repetition, patience and use of simple language.

The Americans with Disabilities Act includes protection for persons suffering from contagious and non-contagious diseases.

True. The Americans with Disabilities Act of 1990 remedied this oversight and guaranteed federal protections from discrimination for persons with disabilities. ADA regulations were also updated in 2010, in order to accommodate people with disabilities based on new banking technologies, and to provide additional clarification to ADA rules.

Who are the Disabled?

• Those suffering from physical or cognitive impairment that substantially limits one or more major life activities • Those with a record of such impairment • Those regarded as having such impairment

Here are a few aids that you can have available to help overcome communication barriers:

• Written materials Audio records for the blind • Telephone handset amplifiers for the hard-of-hearing • Braille materials • Large print materials • Cue cards to teach sequential steps • Videotext materials • Telecommunications devices for customers who are deaf (TDDs)