Course 1 Quiz 2

Which of the following is a California counterpart to the Federal anti-discrimination laws...? A. The Unruh Civil Rights Act B. The Rumford Act C. The Holden Act D. All of the Above

D. All of the Above

Which of the following is a California counterpart to the federal anti-discrimination laws with regards to redlining...? A. The Holden Act B. The Rumford Act C. The Unruh Civil Rights Act D. All of the above

A. The Holden Act

Which of the following is exempt from Federal anti-discrimination laws...? A. The principal of an owner-occupied 1-4 unit residence B. The principal of an owner-occupied 5+ unit residence C. The principal of a commercial building D. Any principal owner

A. The principal of an owner-occupied 1-4 unit residence

In the state of California, race is NOT a material fact..? A. True B. False

A. True

The HUD Fair Housing Equal Opportunity poster is required to be posted in a prominent position in any business that is related to housing...? A. True B. False

A. True

A principal of an owner-occupied 4 family residence is exempt from Federal anti-discrimination laws if they use a licensed broker to help find a new tenant...? A. True B. False

B. False

This states that the stricter law (Federal vs State) will prevail and take precedent...? A. Dominant Rule B. Strictest Standard Rule C. Prevailing Law Rule D. Harsher Standard Rule

B. Strictest Standard Rule

Which of the following is a California counterpart to the federal anti-discrimination laws with regards to discrimination in commercial and business establishments...? A. The Holden Act B. The Rumford Act C. The Unruh Civil Rights Act D. All of the above

C. The Unruh Civil Rights Act

To mingle or mix, for example, a clients funds in the broker's personal or general account is known as...? A. Kickback B. Loan C. Borrow D. Commingling

D, Commingling

This consumer protection statute helped eliminate kickbacks and referral fees that unnecessarily increased the costs of certain settlement services....? A. Truth in Lending Act B. Federal Fair Credit Reporting Act C. Regulation Z D. RESPA

D. RESPA

This Civil Rights Act expanded the protected classes beyond race to include color, religion, sex, and national origin...? A. Civil Rights Act of 1964 B. Civil Rights Act of 1866 C. Americans with Disabilities Act D. Fait Housing Act of 1988

A. Civil Rights Act of 1964

This court case determined that sellers, and their agents, must disclose all facts that they knew or should have reasonably known....? A. Easton vs Strassburger B. Roe vs Wade C. Brown vs Board of Education D. Marbury vs Madison

A. Easton vs Strassburger

Generally speaking, which law prevails over state law...? A. Federal Law B. City Law C. County Law D. Local Law

A. Federal Law

An advertisement that remains anonymous as to who is advertising is known as.....? A. Net Listing B. Blind Advertising C. Banner Advertising D. Ghost Listing

B, Blind Advertising

Any act that would influence the decision of a reasonably prudent person is known as a/an.....? A. Misrepresentation B. Material Fact C. Deceit D. Fraud

B. Material Fact

Steering is the opposite of the illegal discriminatory act, which encourages individuals to sell..? A. Testing B. Selective Buying C. Blockbusting D. Redlining

C. Blockbusting

This Civil Rights Act prohibited discrimination on the basis of race only....? A. Civil Rights Act of 1964 B. Americans with Disabilities Act C. Civil Rights Act of 1866 D. Fait Housing Act of 1988

C. Civil Rights Act of 1866

The refusal to lend money within a specific area is known as...? A. Testing B. Steering C. Redlining D. Blockbusting

C. Redlining

The Strictest Standard Rule applies when dealing with what....? A. Legal Cases that Affect the Public B. Civil Cases that Affect the Public C. Fair Housing Issues D. Health, Safety, and Welfare of the Public

D. Health, Safety, and Welfare of the Public

Which of the following is an example of misrepresentation...? A. Puffing B. Disclosure C. Confidentiality D. All of the above

A. Puffing

Lenders must perform what when determining if an individual qualifies for a loan, which is based on objective measures...? A. Testing B. Credit Based Lending C. Blockbusting D. Redlining

B. Credit Based Lending

Using racial, ethnic, or religious criteria in suggesting, recommending, and/or influencing individuals regarding locations for the purchase or rental of a single family residence or rental dwelling is known as...? A. Testing B. Steering C. Blockbusting D. Redlining

B. Steering

If the HUD Fair Housing Equal Opportunity poster is prominently displayed in a place of business relating to housing, the burden of proof for any discriminatory act falls on who...? A. The Broker B. The Accuser C. The place of business D. None of the above

B. The Accuser

Funds held by a real estate broker, in trust, for clients and/or customers are known as...? A. Interest Funds B. Private Equity Funds C. Trust Funds D. Hedge Funds

C, Trust Funds

If the HUD Fair Housing Equal Opportunity poster is NOT prominently displayed in a place of business relating to housing, the burden of proof for any discriminatory act falls on who...? A. The Accuser B. The Accuser's Attorney C. The place of business D. None of the above

C. The place of business

The Federal law requires the private entities, including business establishments, are accessible to individuals who are disabled, and that those business establishments that are accessible to the public make reasonable accommodations...? A. The Unruh Civil Rights Act B. The Holden Act C. The Fair Housing Act of 1964 D. Americans with Disabilities Act

D. Americans with Disabilities Act

The use of prejudice to instill fear or panic in order to motivate individuals in a particular area or neighborhood to sell or dispose of their property because of the entrance, or potential entry, of a protected class is known as...? A. Testing B. Steering C. Redlining D. Block-busting

D. Block-busting

Which of the following is a California counterpart to the federal anti-discrimination laws with regards to blockbusting...? A. The Holden Act B. The Rumford Act C. The Unruh Civil Rights Act D. All of the above

B. The Rumford Act

Sellers and agents should use this form to disclose any known defects with the property...? A. Property Disclosure Form B. Realtor Disclosure Form C. Transfer Disclosure Statement D. HUD-1 Form

C. Transfer Disclosure Statement