(Ch. 5) Texas Principles of Real Estate - Part 1
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 Equal Credit Opportunity Act was enacted in...?
1974
The Housing and Community Development Act was enacted in...?
1974
The Community Reinvestment Act was passed in...?
1977
Americans with Disabilities Act (ADA)
A federal law protecting the rights of individuals with physical or mental impairments.
Civil Rights Act of 1866
A federal law that prohibits all discrimination on the basis of race.
Fair Housing Act of 1968
A 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.
Civil Rights Act of 1964
A law that prohibited discrimination on the basis of race, sex, color, national origin, or gender in any housing program receiving federal money.
Which of the following is a means to prevent steering...? A. Ask the client to describe where they want to live based on geographical boundaries B. Ask the client to describe where they want to live based on the racial make-up of the neighborhood C. Ask the client to describe where they want to live based on the religious make-up of the neighborhood D. All of the above
A. Ask the client to describe where they want to live based on geographical boundaries
Fair housing complaints cannot be filed through the Texas Workforce Commission in which of the following cities...? Austin Corpus Christi Dallas All of the above
All of the above
HUD fair housing complaints can be filed in which of the following ways...? All of the above Phone Mail Online
All of the above
HUD prohibits which of the following words in advertising...? Adults Singles Children All of the above
All of the above
The following cities have ordinances that are equivalent to the federal fair housing laws...? Austin Dallas San Antonio All of the above
All of the above
Under the Community Reinvestment Act, financial institutions must post annual statements, which include...? Definition of the geographical boundaries of its community Identify the type of reinvestment credit offered to the community Comments from the public about the institution's performance in meeting the community's needs All of the above
All of the above
Which of the following is considered illegal under the Fair Housing Act...? Refusing to sell to a protected class Refusing to show properties in neighborhoods based on racial criteria Refusing to show properties in neighborhoods based on religious criteria All of the above
All of the above
This federal law protects the rights of individuals with physical or mental impairments...?
Americans with Disabilities Act
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.
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.
The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry, or prospective entry of minority persons into the neighborhood is known as...?
Blockbusting
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
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
The laws governing fair housing are also referred to as...?
Equal Opportunity Housing
The Texas Workforce Commission cannot take fair housing discrimination complaints if the same complaint is also filed with....?
HUD
Under the Equal Credit Opportunity Act, lenders must provide financing based on which of the following criteria...? Income Race Age National origin
Income
Blockbusting is also known as...?
Panic selling
Any medical disorder, condition, disfigurement or loss affecting one of the body systems is known as a...?
Physical Impairment
The practice of refusing to make loans or otherwise denying financial assistance for housing in a particular area is known as...?
Redlining
Those who HUD fair housing complaints are filed against are referred to as...?
Respondents
The Equal Credit Opportunity Act does not apply to...?
Seller financing
The channeling of home seekers to a particular area, or areas, on the basis of race, religion, country of origin, or other protected class either to maintain the homogeneity of an area, or to change the character of an area in order to create a speculative situation is known as...?
Steering
True or False: The Federal Fair Housing Act of 1968 was generally ineffective in combating housing discrimination...?
T (True)
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 are known as...?
Testers
All buildings built after March 31, 1991 must comply with the design and construction requirements of the...?
Texas Fair Housing Act
Which of the following is a Texas statute that deals with fair housing and discrimination...?
Texas Fair Housing Act
The prohibition of fair housing discrimination by a licensee is described in which of the following Acts...?
Texas Real Estate License Act
Steering
The channeling of home seekers to a particular area, or areas, on the basis of race, religion, country of origin, or other protected class either to maintain the homogeneity of an area, or to change the character of an area in order to create a speculative situation.
Blockbusting
The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry, or prospective entry of minority persons into the neighborhood.
Redlining
The practice of refusing to make loans or otherwise denying financial assistance for housing in a particular area.
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.