Chapter Four - Federal Fair Housing

Federal Fair Housing Laws

A body of laws passes in 1968 to prohibit many types of discrimination in the sale, rental or advertising of residential real estate.

Americans with Disabilities Act....

A federal law that became effective in 1992. ADA is designed to eliminate discrimination against individuals with disabilities by mandating equal access to jobs, public accommodations, government services, public transportation, etc

A four story building constructed in 1968 would have to comply for the handicap with which of the following under Federal Fair Housing? No access Access to the first floor only Access to the first and second floor only Access to the entire building

Access to the first floor only

Which of the following terms best describes the practice of encouraging owners to move from an area due to minorities moving into the area? Steering Block Busting Redlining Puffing

Block Busting

If a person felt he was being discriminated against, how much time does he have to file a complaint with HUD? 30 days 60 days 6 months 1 year

1 year

Under the Federal Fair Housing Laws, a person must reach what age to enter a bona fide retirement community? 55 65 62 60

62

What are the 7 protected classes under Federal Fair Housing Laws?

Race, Color, Religion(creed), Sex, National Origin, Handicap, Familial Status

All are steering except Directing Chicano minority buyers to Chicano minority areas Directing a minority to a white area Telling white sellers that minorites are moving into the area and they should list their homes Directing a white buyer to a white area

Telling white sellers that minorities are moving into the area and they should list their homes

A broker was accused of block busting. Which would most likely cause this? The broker's use of words The brokers history of solicitation in the area of the accused block busting compared to the other areas The brokers answers to sellers' questions regarding a buyer's race Whether the person soliciting the listing was a licensed agent or an unlicensed speculator buying the property personally

The broker's answers to sellers' questions regarding a buyer's race

A man wanted to rent an apartment in a ten-unit complex. The man was turned down and felt the reason was his national origin. The complex was owner occupied. Would he be justified in filing a formal complaint? Yes, because it was a ten-unit complex Yes, because he was a minority member No, because his feelings are unimportant No, because the owner did not discriminate in advertising

Yes, because it was a ten-unit complex

What is Handicap

a person limited because of physical or mental abilities or the lack there of. To be considered a handicap or disability it must be recognized as such by a doctor or the courts. Handicapped person can modify a unit at their own expense.

What is Familial Status

at least one adult with at least one child under the age of 18. Please note a landlord could say no to a family because a unit does not have enough bedrooms.

Broker Dole was showing a prospective tenant different apartments for rent in a specific area of a city. The tenant asked Dole to find an apartment that did not allow children as the tenant desired peace and quiet and felt that children would destroy their privacy. Broker Dole should inform the tenant... to look for ads that read adults only apartments that this would be steering and therefore illegal that only bona fide retirement communities can legally restrict children That all properties are now open to children due to the 1988 amendments to the Fair Housing Act

that only bona fide retirement communities can legally restrict children

Familial status deals with discrimination against families... with children under the age of 18 with children under the age of 16 with no children of a certain religion

with children under the age of 18

What is Redlining?

Denying loans or restricting the number of loans in an area illegally (protected classes)

What is Steering?

Directing people to or away from particular areas illegally. EXP: sending white buyers only to all white areas

A handicapped person rented an apartment in a 16-unit complex. The landlord has the right to.... evict the tenant for making changes to the apartment charge a higher amount of rent because of his handicap Evict the tenant for excessive noise Set certain hours for use of the clubhouse for the handicapped tenant

Evict the tenant for excessive noise

A buyer thought she had been discriminated against. With whom should she file a complaint? FBI Federal Reserve SEC HUD

HUD

Which of the following is not an example of steering? Attracting minority prospects to a community composed primarily of homeowners of the same minority group Excluding minority clients from on community Preventing a minority client from moving into a neighborhood composed primarily of homeowners of one race Inducing homeowners to sell when a minority purchaser moves into their neghborhood

Inducing homeowners to sell when a minority purchaser moves into their neighborhood

What is Blockbusting?

Inducing owners to sell by telling them persons of one or more protected classes are moving into the area/neighborhood

At the termination of his lease, a handicapped tenant would not have to do which of the following? Remove bars from a shower Repair holes in the wall resulting from removal of bars in the shower make entrance door narrower Raise kitchen cabinets

Make entrance door narrower

The Civil Rights Act of 1866, rediscovered by the Supreme court in 1968, permits discrimination in housing based on race. When a person does not own more than three homes When the person refrains from discrimination When the person does not use a broker Never

Never

A Lutheran church owns a retirement home and restricts the rental of the units to Lutherans of any age, sex, race, color or national origin. Is this policy a violation of federal fair housing laws? Yes, because all discrimination on the basis of religion is illegal. Yes, because only owners of single-family homes may discriminate on the basis ofo religion. No, because nonprofit organizations are not subject to federal housing provisions. No, because religious organizations may limit occupancy of dwelling units they own to persons of the same religion.

No, because religious organizations may limit occupancy of dwelling units they own to persons of the same religion

The Spectrum Club, in which membership is all male, maintains several sleeping rooms as a convenience for its members of a nonprofit basis. Occupancy is restricted to members or male guests of members. Is this a violation of the federal fair housing laws? Yes, because this constitutes sexual discrimination Yes, because the facilities are not open to the public No, because non members are accepted as guest of members No, because this is not a commercially operated house

No, because this is not a commercially operated house