California Real Estate Law Fair Housing Laws 1
12 of 25 If a seller refuses to consider an offer because the prospective buyer is a member of a protected class the listing should be referred to the broker. extended. offered at a lower price. terminated.
terminated.
16 of 25 Title VIII of the Civil Rights Act of 1968 is also known as the Equal Opportunity Act. the Fair Housing Act. the Familial Status Act. the Protected Classes Act
the Fair Housing Act
19 of 25 When HUD receives a complaint, how many days may pass to determine if there is reasonable cause to charge discrimination? 30 60 75 100
100
10 of 25 How long does a lender have to inform an applicant that he or she was rejected for a home loan? 60 days 30 days 90 days 120 days
30 days
18 of 25 If a licensee lists a home in a predominantly minority neighborhood, how can he or she avoid steering when advertising in newspapers? Advertise the property as multi-cultural. Advertise in a city-wide newspaper. Have the Equal Opportunity slogan in the advertising. Advertise in the minority neighborhood's newspaper.
Advertise in a city-wide newspaper.
15 of 25 In what landmark case did the Supreme Court prohibit racial segregation of public schools? Buchanan v. Warley Plessy v. Ferguson Brown v. Board of Education Shelley v. Kraemer
Brown v. Board of Education
1 of 25 What term describes when HUD attempts to resolve a complaint by getting assurance from the person against whom the complaint was filed that he or she will remedy the alleged violation? Condonation Arbitration Conciliation Intervention
Conciliation
4 of 25 What is defined as advertising that indicates a preference, limitation or discrimination based on race, color, religion, handicap, sex, familial status or national origin? Discriminatory advertising Behavioral advertising Predatory advertising Corporate advertising
Discriminatory advertising
2 of 25 What term describes the act of restricting the number of loans in certain areas of a community because its racial or ethnic makeup? Steering Redlining Blockbusting Filtering
Redlining
11 of 25 What is an example of discrimination in lending? Denying membership to MLS Telling a person that a property is not for sale Refusing to purchase a loan Stating a property is restricted
Refusing to purchase a loan
24 of 25 What describes the channeling of home buyers toward or away from homes in certain neighborhoods in order to preserve or alter the makeup of that neighborhood? Blockbusting Filtering Redlining Steering
Steering
25 of 25 What is defined as a simulated housing transaction designed to obtain evidence of different treatment based on an individual's protected class status? Measuring Streaming Testing Blockbusting
Testing
22 of 25 What Act was passed in 1977 to prevent redlining and to encourage banks and thrifts to help meet the credit needs of all segments of their communities? The Housing Mortgage Act The Equal Credit Act The Community Reinvestment Act The Fair Credit Reporting Act
The Community Reinvestment Act
7 of 25 Who enforces fair housing laws? The Department of Community Development The Secretary of State The Office of Equal Opportunity The Department of Housing and Urban Development
The Department of Housing and Urban Development
21 of 25 What Act prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age or dependency on public assistance? The Real Estate Settlement Procedures Act The Fair Credit Reporting Act The Truth in Lending Act The Equal Credit Opportunity Act
The Equal Credit Opportunity Act
13 of 25 What should be prominently displayed in all broker's offices to comply with fair housing policies? The Housing Discrimination Act Title VIII of the Civil Rights Act The office anti-discrimination policies The Equal Opportunity Poster
The Equal Opportunity Poster
6 of 25 What 1977 Act prohibits financial institutions from discriminating in loan activities on the basis of race, color, religion, marital status, national origin ancestry or sex? The Home Mortgage Act The Equal Credit Act The Fair Lending Act The Housing Financial Discrimination Act
The Housing Financial Discrimination Act
8 of 25 What Act added sex to the list of protected classes in 1974? The Fair Housing Amendment Act The Housing Discrimination Act The Housing and Community Development Act The Community Reinvestment Act
The Housing and Community Development Act
20 of 25 What 1959 Act provides protection from discrimination by all business establishments in California, including housing and public accommodations? The Housing and Community Development Act The Rehabilitation Act The Unruh Civil Rights Act The Architectural Barriers Act
The Unruh Civil Rights Act
14 of 25 How much time does a person have to file a complaint with the Department of Fair Employment and Housing? Within 3 years from the incident Within a year from the incident Within 2 years from the incident Within 2 years from the incident
Within a year from the incident
9 of 25 If an agent is faced with questions outside the realm of his or her expertise it is best for the agent to refer such questions to an inspector. an appraiser. an expert. a broker.
an expert.
17 of 25 Communities view licensees as their real estate appraisers. board. inspectors. experts.
experts
5 of 25 Testers who encounter fair housing discrimination have the legal ability to fine a licensee. file complaints under federal or state agencies. revoke a real estate license. negotiate a listing contract.
file complaints under federal or state agencies.
3 of 25 When a licensee induces someone to sell his or her property by telling him or her that persons of a certain protected class are moving into the neighborhood it is called steering. panic selling. redlining. protecting classes.
panic selling
23 of 25 If a seller chooses not to follow fair housing laws the agent should refer the listing. refuse the listing. take the listing anyway. sue the seller.
refuse the listing