Chapter 17 - Quiz
When was the Fair Housing Act amended?
1988.0
The Americans with Disabilities Act was signed into law in what year...?
1990.0
If HUD discovers discrimination, how long do the parties have to decide if they want to go to court?
20 days. If HUD discovers discrimination, the parties must decide if they want to go to court within 20 days. If they go to court, the case is heard in front of the Department of Justice. If not, the case gets tried under an Administrative Procedure Act (APA) hearing.
The ADA is divided into how many 'titles'...?
5.0.
What is "redlining"?
A discriminatory lending practice that draws lines around certain areas based on their demographics and refuses to extend loans to anyone in the redlined area.
Which activities are banned under the Fair Housing Act (FHA)?
All discriminatory real estate practices based on race, color, national origin, religion, sex, familial status, or disability.
Which allegations are the most common discrimination allegations received by HUD?
Altered terms and privileges. Altered terms and privileges are the most common discrimination reports received by HUD. For example, if a building owner offers free parking or gym passes to its white residents but does not offer these same amenities to people of color, it constitutes a violation of altered terms and privileges.
What is one way to avoid steering?
Asking your clients to specify cross streets in locations in which they are interested in finding homes. If you are worried that you may accidentally engage in steering, you may want to ask your clients to specify cross streets in areas in which they are interested in looking for housing. Then, you know exactly where they want to live, and you don't have to worry about steering them toward or away from a certain neighborhood based on their race, color, national origin, religion, familial status, disability, or sex.
What is an example of how the courts use injunctive relief to change patterns of discrimination?
By ordering someone to stop certain activities or change their behavior. If the courts discover a pattern of discrimination when investigating an FHA violation, they may order injunctive relief. This requires the at-fault party to stop certain activities or to change their behavior. For example, the courts may require a brokerage to change its training procedures to ensure its agents understand the FHA.
The Fair Housing Act was amended in 1988, which expanded the coverage of the Fair Housing Act to prohibit discrimination based on this...?
Disability
The ADA is divided into five titles:
Employment (Title I) ... Public Services (Title II) ... Public Accommodations (Title III) ... Telecommunications (Title IV) ... Miscellaneous (Title V)
The 1988 amendments to the Fair Housing Act protected which group of people from housing discrimination?
Handicapped people.
Which of the following changes did HOPA create?
Housing for Older Persons does not have to offer significant services or equipment for older people.
Which of the following activities is banned under the Fair Housing Act (FHA)?
Making false statements about a property's availability. The Fair Housing Act (FHA) bans real estate agents from making false statements about a property's availability. This act has comprehensive rules designed to protect buyers, sellers, and renters from discrimination.
Megan's Law.
Megan's Law (Public Law 104-105) is the federal law that "require(s) the release of relevant information to protect the public from sexually violent offenders." Megan's Law was originally enacted in 1996, and is now included in the more expanded sexual offender laws (See Sex Offender Registration and Notification).
Which law requires all property owners to be notified about convicted sex offenders living in their area?
Megan's Law.
What are punitive damages?
Monetary punishments against the at-fault party, which are awarded to the victim. Punitive damages are punishments against an at-fault party that are awarded to a victim. For example, if HUD determines that a real estate agent has discriminated against someone, they may order the real estate agent to pay the victim the direct costs they incurred as a result of the discrimination as well as punitive damages of a certain amount.
Which law states that the owners of owner-occupied buildings with four or fewer units are not bound by the terms of the Fair Housing Act (FHA)?
Mrs. Murphy's Law. Mrs. Murphy's Law states that an owner in an owner-occupied building with four or fewer units does not need to comply with the terms of the Fair Housing Act (FHA). For example, if a woman owned a duplex, lived in one unit, and only wanted to rent out the other unit to another woman, she could legally do that.
If someone offers their home for sale and they own less than three units, do they have to follow the terms of the Fair Housing Act (FHA)?
No, as long as they only sell one property every two years and they do not work with a real estate agent. There are a few exceptions to FHA guidelines. If someone sells their home, they do not have to follow FHA guidelines as long as they own less than three units and only sell a home every two years. However, this only applies to for-sale-by-owner arrangements. If they work with a real estate agent, the agent is bound by FHA rules.
Mrs. Simpson's Law.
On December 11th, 1936, King Edward VIII abdicated so that he could 'marry the woman he loved', the American Mrs Wallis Warfield Simpson. But in fact Mrs Simpson was a married woman and so not free to marry the King, or anyone else for that matter. She had, it is true, started divorce proceedings alleging that her husband Ernest had committed adultery with an unnamed woman at a hotel in the Thames valley. Mr Simpson had not offered any defence, and the divorce court had accordingly granted Mrs Simpson a so-called divorce decree nisi. But the decree could not be made absolute (thereby legally ending her marriage) for six months.
All but which of the following places would be considered a public accommodation under the ADA?
Private Home. Single family homes are exempt from the ADA.
In relation to the Fair Housing Act (FHA), what does "steering" mean?
Pushing someone toward or away from a certain area based on their race, color, national origin, religion, familial status, disability, or sex.
Which of the following activities is considered a prohibited act under the Federal Fair Housing Act?
Redlining Steering Blockbusting
The 1974 update to the Fair Housing Act (FHA) banned discrimination based on which of the following categories?
Sex. Prior to 1974, the FHA banned discrimination based on race, color, national origin, and religion. In 1974, the law was expanded to ban discrimination based on sex.
Mrs. Murphy's Law.
The "Mrs. Murphy" exemption provides that if a dwelling has four or fewer rental units and the owner lives in one of those units, that home is exempt from the FHA. ... Murphy" is the hypothetical elderly widow who has converted a portion of her home into a rental apartment to supplement her limited income.
Which group enforces the terms of the Fair Housing Act?
The Department of Housing and Urban Development (HUD).
Who sends out testers to find out if real estate agents are following the terms of the Fair Housing Act (FHA)?
The Department of Housing and Urban Development (HUD).
When you become a real estate agent, how does the Fair Housing Act (FHA) affect your marketing and advertising?
The FHA bans you from using discriminatory language in your marketing or advertising. The Fair Housing Act (FHA) has strict guidelines related to marketing and advertising. Under the terms of the FHA, real estate agents cannot use discriminatory language in their marketing or advertising. They cannot encourage or discourage people from renting or buying a property based on their race, color, national origin, religion, familial status, disability, or sex.
Jacob Wetterling
The Jacob Wetterling Crimes Against Children and Sexually Violent Offender Registration Act, colloquially known as the Wetterling Act, is a United States law that requires states to implement a registry of sex offenders and crimes against children.
Employment is discussed in which of the ADA 'titles'...?
Title I
Which Title under the ADA addresses real estate?
Title III
If an administrative law judge finds someone guilty of discrimination based on the laws outlined in the FHA, what is the penalty for the first offense?
Up to $16,000 (Dollars). For the first offense, you can face a penalty of up to $16,000 (Dollars). For two offenses in five years, the penalty can be up to $37,500 (Dollars), and for three offenses in seven years, the penalty can be up to $65,000 (Dollars).
Do lenders have to follow the terms of the Fair Housing Act (FHA)?
Yes, lenders must abide by FHA laws
Which of the following is not an example of a hostile environment?
a landlord or leasing office agent being the opposite sex of the renter
How is enforcement of the North Carolina Fair Housing Act carried out?
by the North Carolina Human Relations Commission or a private lawsuit in state court
Which of the following is an example of a hostile environment?
landlords entering an occupied unit without permission landlords threatening to evict in retaliation for reporting or rejection of sexual advances a female landlord making advances toward a male tenant
Which of the following is not exempt under the North Carolina Fair Housing Act?
public housing
Which of the following is not an example of a discriminatory practice?
refusing a buyer who would put others at risk by posing a physical or health-related threat. Being a health or physical threat to others is not a protected category. Any applicants for a rental space that pose that kind of threat can legally be denied based on that threat.
What is the North Carolina State Fair Housing Act?
the state version of the federal Fair Housing Act designed to prevent real estate agents and sellers from engaging in discriminatory practices.The North Carolina State Fair Housing Act is the state version of the federal Fair Housing Act. They're so similar that violating one generally means violating the other as well.