Ch 13

What is defined as advertising that indicates a preference, limitation or discrimination based on race, color, religion, handicap, sex, familial status or national origin? 1. discriminatory advertising 2. behavioral advertising 3. predatory advertising 4. corporate advertising

1. discriminatory advertising

How long does a lender have to inform an applicant that he or she was rejected for a home loan? 1. 60 days 2. 30 days 3. 90 days 4. 120 days

2. 30 days

If a licensee lists a home in a predominantly minority neighborhood, how can he or she avoid steering when advertising in newspapers? 1. advertise the property as multi-cultural 2. advertise in a city-wide newspaper 3. have the equal opportunity slogan in the advertising 4. advertise in the minority neighborhoods newspaper

2. advertise in a city-wide newspaper

Testers who encounter fair housing discrimination have the legal ability to: 1. fine a licensee 2. file a complaint under federal or state agencies 3. revoke a real estate license 4. negotiate a listing contract

2. file a complaint under federal or state agencies

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: 1. steering 2. panic selling 3. redlining 4. protecting classes

2. panic selling

What term describes the act of restricting the number of loans in certain areas of a community because its racial or ethnic makeup? 1. steering 2. redlining 3. blockbusting 4. filtering

2. redlining

If a seller chooses not to follow fair housing laws the agent should 1. refer the listing 2. refute the listing 3. take the listing anyways 4. sue the seller

2. refute the listing

Title VIII of the Civil Rights Act of 1968 is also known as: 1. the equal credit opportunity act 2. the fair housing act 3. the familial status act 4. the protected class act

2. the fair housing act

How much time does a person have to file a complaint with the Department of Fair Employment and Housing? 1. within 3 years from the incident 2. within a year from the incident 3. within 2 years from the incident 4. within 4 years of the incident

2. within a year from the incident

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 1. an inspector 2. an appraiser 3. an expert 4. a broker

3. an expert

In what landmark case did the Supreme Court prohibit racial segregation of public schools? 1. buchanan v. warley 2. plessy v. ferguson 3. brown v board of education 4. shelly v kraemer

3. brown v board of education

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? 1. condonation 2. arbitration 3. conciliation 4. intervention

3. conciliation

What is an example of discrimination in lending? 1. denying membership to MLS 2. telling a person that a property is not for sale 3. refuse to purchase a loan 4. stating a property is restricted

3. refuse to purchase a loan

What is defined as a simulated housing transaction designed to obtain evidence of different treatment based on an individual's protected class status? 1. measuring 2. streaming 3. testing 4. blockbusting

3. testing

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? 1. the housing mortgage act 2. the equal credit act 3. the community reinvestment act 4. the fair credit reporting act

3. the community reinvestment act

What Act added sex to the list of protected classes in 1974? 1. the fair housing amendment act 2. the housing discrimination act 3. the housing and community development act 4. the community reinvestment act

3. the housing and community development act

What 1959 Act provides protection from discrimination by all business establishments in California, including housing and public accommodations? 1. the housing and community development act 2. the rehabilitation act 3. the unruh civil rights act 4. the architectural barriers act

3. the unruh civil rights act

When HUD receives a complaint, how many days may pass to determine if there is reasonable cause to charge discrimination? 1. 30 2 60 3. 75 4. 100

4. 100

Communities view licensees as their real estate 1. appeasers 2. board 3. inspectors 4. experts

4. experts

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? 1. blockbusting 2. filtering 3. redlining 4. steering

4. steering

If a seller refuses to consider an offer because the prospective buyer is a member of a protected class the listing should be 1. referred to the broker 2. extended 3. offered at a lower price 4. terminated

4. terminated

Who enforces fair housing laws? 1. the department of community development 2. the secretary of state 3. the office of equal opportunity 4. the HUD

4. the HUD

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? 1. the real estate settlement procedures act 2. the fair credit reporting act 3. the trust in lending act 4. the equal credit opportunity act

4. the equal credit opportunity act

What should be prominently displayed in all broker's offices to comply with fair housing policies? 1. the housing discrimination act 2. title viii civil rights act 3. the office anti-discrimination policy 4. the equal opportunity poster

4. the equal opportunity poster

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? 1. the home mortgage act 2. the equal credit act 3. the fair lending act 4. the housing financial discrimination act

4. the housing financial discrimination act