Chapter 2

The Unruh Civil Rights Act The Rumford Act The Holden Act

Which of the following is a California counterpart to the Federal anti-discrimination laws...?

False

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...?

HUD

All federal fair housing complaints should be filed with who...?

Blind Advertisement

An advertisement that remains anonymous as to who is advertising is known as...?

Material Fact

Any fact that would influence the decision of a reasonably prudent person is known as a/an...?

Trust Funds

Funds held by a real estate broker, in trust, for clients and/or customers are known as...?

Federal Law

Generally speaking, which law prevails over State law...?

The place of business

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...?

The Accuser

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...?

True

In the State of California, race is NOT a material fact...?

Credit Based Lending

Lenders must perform what when determining if an individual qualifies for a loan, which is based on objective measures...?

Transfer Disclosure Statement

Sellers and agents should use this form to disclose any known defects with the property

Blockbusting

Steering is the opposite of this illegal discriminatory act, which encourages individuals to sell...?

Health, Safety, and Welfare of the Public

The 'Strictest Standard Rule' applies when dealing with what...?

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...?

Redlining

The refusal to lend money within a specific area is known as...?

Blockbusting

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...?

Civil Rights Act of 1964

This Civil Rights Act expanded the protected classes beyond race to include color, religion, sex, and national origin...?

Strictest Standard Rule

This states that the stricter law (Federal vs. State) will prevail and take precedent

Steering

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...?

The Rumford Act

Which of the following is a California counterpart to the Federal anti-discrimination laws with regards to blockbusting...?

The Unruh Civil Rights Act

Which of the following is a California counterpart to the Federal anti-discrimination laws with regards to discrimination in commercial and business establishments...?

The Holden Act

Which of the following is a California counterpart to the Federal anti-discrimination laws with regards to redlining...?

Puffing

Which of the following is an example of misrepresentation...?

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

Which of the following is exempt from Federal anti-discrimination laws...?

Easton vs. Strassburger

This court case determined that sellers, and their agents, must disclose all facts that they knew, or should have reasonably known...?

Commingling

To mingle or mix, for example, a client's funds in the broker's personal or general account is known as...?

Civil Rights Act of 1866

This Civil Rights Act prohibited discrimination on the basis of race only...?

Americans with Disabilities Act

This Federal law requires that 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...?

RESPA (Real Estate Settlement Procedures Act)

This consumer protection statute helped eliminate kickbacks and referral fees that unnecessarily increased the costs of certain settlement services...?