Chapter 5 - Fair Housing Laws - Mini Quiz
A respondent of a HUD fair housing complaint has how many days to submit a response...? 5 10 15 30
10
Based on the Texas Fair Housing Act of 1989, the Texas Workforce Commission has .......................... days to investigate a fair housing complaint? 30 45 60 100
100
A fair housing complaint should be filed within ................................. months of the incident? 12 24 36 48
12
The Equal Credit Opportunity Act was enacted in...? 1964 1968 1974 1988
1974
The Housing and Community Development Act was enacted in...? 1964 1968 1974 1988
1974
The Community Reinvestment Act was passed in...? 1964 1968 1977 1988
1977
Which of the following statements BEST applies concerning Jim's duties as Janet's agent under the facts described above? AJim will be acting as a special agent for Janet in leasing the units in the house. BJim does not need to provide the Information About Brokerage Services form to anyone under these facts because he is dealing with a landlord and tenants and not buyers and sellers. CJim may act as an intermediary in the leasing transactions. DJim must disclose in writing to potential tenants that he represents Janet.
A.Jim will be acting as a special agent for Janet in leasing the units in the house.
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...? AAll of the above BPhone CMail DOnline
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
This federal law protects the rights of individuals with physical or mental impairments...? Americans with Disabilities Act Civil Rights Act of 1964 Fair Housing Act of 1968 Civil Rights Act of 1968
Americans with Disabilities Act
Which of the following is a means to prevent steering...? AAsk the client to describe where they want to live based on geographical boundaries BAsk the client to describe where they want to live based on the racial make-up of the neighborhood CAsk the client to describe where they want to live based on the religious make-up of the neighborhood DAll of the above
Ask the client to describe where they want to live based on geographical boundaries
Janet is allowed to do which of the following under Federal law? AShe is allowed to advertise her preferences on Craigslist. BShe may choose to rent to a single woman over a single man. CShe may choose a tenant based on her race. DShe may live off site and rent out all four units based on her tenant preferences.
B.She may choose to rent to a single woman over a single man
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 Steering Redlining Testing
Blockbusting
Jim is unsure about what he needs to do to comply with Fair Housing laws regarding advertising Janet's property. Which of the following is the best practice? AHe may use words to limit the number of children since Janet has no children. BHe may use the words "physically fit" to advertise the units on the 2nd and 3rd floors. CHe may use words like "desirable neighborhood" or "rare find." DTo best meet Janet's preference for tenants, he may advertise the property using videos of single women, much like Janet, living in the unit.
C.He may use words like "desirable neighborhood" or "rare find."
This federal law prohibits all discrimination on the basis of race only...? Civil Rights Act of 1866 Civil Rights Act of 1964 Civil Rights Act of 1968 Civil Rights Act of 1988
Civil Right 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 1866 Civil Rights Act of 1964 Civil Rights Act of 1968 Civil Rights Act of 1988
Civil Right Act of 1968
This federal law requires all federally regulated lenders to describe the geographic market area that they serve...? ACommunity Reinvestment Act BCivil Rights Act of 1968 CADA DHousing and Urban Development Act
Community Reinvestment Act
Those who file a fair housing complaint with HUD are referred to as...? Defendants Prosecutors Respondents Complainants
Complainats
This department is charged with the regulatory responsibility of the Equal Credit Opportunity Act...? HUD Department of State Consumer Financial Protection Bureau Attorney General
Consumer Financial Protection Bureau
The laws governing fair housing are also referred to as...? AEqual Opportunity Housing BFederal Housing CCivil Rights Housing DFree Housing
Equal Opportunity Housing
The Texas Workforce Commission cannot take fair housing discrimination complaints if the same complaint is also filed with....? HUD US Attorney General Department of State TREC
FUD
Advertising that suggests that a particular home is not suited for couples with children is considered a violation of this protected class...? AFamilial Status BReligion CRace DGender
Familial Status
Under the Equal Credit Opportunity Act, lenders must provide financing based on which of the following criteria...? AIncome BRace CAge DNational origin
Income
Blockbusting is also known as...? APanic selling BPanic lending CPanic buying DPanic brokerage
Panic selling
Any medical disorder, condition, disfigurement or loss affecting one of the body systems is known as a...? APhysical Impairment BMental Impairment CDisorder DHandicap
Physical Impairment
The practice of refusing to make loans or otherwise denying financial assistance for housing in a particular area is known as...? Testing Blockbusting Redlining Steering
Redlining
Those who HUD fair housing complaints are filed against are referred to as...? Complainants Prosecutors Respondents Defendants
Respondents
The Equal Credit Opportunity Act does not apply to...? Seller financing Conventional mortgages FHA mortgages Balloon mortgages
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...? Redlining Blockbusting Steering Testing
Steering
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...? Redliners Testers Detectives Private Enforcement Officers
Testers
All buildings built after March 31, 1991 must comply with the design and construction requirements of the...? International Building Code US Fire Code Texas Fair Housing Act All of the above
Texas Fair Housing Act
Which of the following is a Texas statute that deals with fair housing and discrimination...? Texas Fair Housing Act Texas Real Estate License Act Texas Discrimination Act Texas Civil Rights Act
Texas Fair Housing Act
The prohibition of fair housing discrimination by a licensee is described in which of the following Acts...? ATexas Real Estate License Act BTexas Fair Housing Act CTexas Discrimination Act DTexas Civil Rights Act
Texas Real Estate License Act
The Federal Fair Housing Act of 1968 was generally ineffective in combating housing discrimination...? T (True) F (False)
True
Which of the following is considered illegal under the Fair Housing Act...? ARefusing to sell to a protected class BRefusing to show properties in neighborhoods based on racial criteria CRefusing to show properties in neighborhoods based on religious criteria DAll of the above
All of the above
Which of the following statements regarding fair housing laws best applies now that Jim will be leasing the units for Janet? AWhile Jim may not advertise Janet's preferences, her final decisions can be made based on her preferences as long as none are based on the race of the applicant. BAs long as Janet has a rational basis for making her decision, she may choose single female tenants over single males or families with children. CNone of the exemptions to the Fair Housing Act apply once Jim takes on the job of leasing the units for Janet. DThe National Historic Register exemption applies even if Jim is leasing the units.
C.None of the exemptions to the Fair Housing Act apply once Jim takes on the job of leasing the units for Janet.
Case Study Scenario Please read the following case study scenario: Janet Jones has inherited a large home from her grandmother in the Highland district of Houston, Texas. The property Jane inherited is two stories and is listed in the National Historic Register. From the National Historic Register, Janet's grandmother was in the process of converting the property into four individual apartments because she did not need all the additional space within the property. Janet being a single female has decided to continue what her grandmother was doing to the property because she does not need all the room within the property either. Janet intends to reside in one apartment and rent out the three units to tenants. After speaking with her real estate broker, Janet has decided that her ideal tenants would be single women in their 30's much like herself. She also does not want students living in the apartments nor families with small children, as she wants to preserve the historic nature of the property. Janet is concerned about her safety and therefore does not wish to lease any units to any male tenants because she believes men are much more dangerous than females. Against her real estate broker's advice, Janet wants to try to rent the apartments on her own without using any real estate agents because the commission is just too much for her to afford. However, Janet has contacted Jim Broker to discuss managing the property on her behalf. Which of the following statements is TRUE regarding the applicability of Federal Fair Housing Act (the Act)? AThe Act does not apply because the house is on the National Historic Register. BThe Act does not apply to Janet because she is single. CThe Act does not apply to Janet because she lives there and it has only four units. DThe Act does not apply because Janet is female.
C.The Act does not apply to Janet because she lives there and it has only four units.
