Class Ch 11

7. Under the fair housing act, the fine for the first offense can be as high as? a. 1,000 b. 5,000 c. 10,000 d. 50,000

10,000

10. This is a true statement regarding discrimination and real estate agents? a. an agent may rent an owner occupied 2 family and exclude children b. an agent may rent a single family home and exclude public assistance recipients, but may not advertise such c. an agent may rent legally exempt discriminatory situations, but may not advertise them d. A real estate agent may never become involved in any discriminatory rentals

A real estate agent may never become involved in any discriminatory rentals

1. The federal civil rights act of 1866 deals with? a. racial and religious discrimination in matters of housing b. racial discrimination if found in housing matters c. All racial discrimination in any area d. all discrimination if it concerns housing

All racial discrimination in any area

2. A broker contacts homeowners, attempting to list their property with him, because the earning and values may drop due to coming group home for special adults? a. redlining b. Blockbusting c. steering d. no problem

Blockbusting - was a business process of U.S. real estate agents and building developers to convince white property owners to sell their house at low prices out of fear that racial minorities would soon be moving into the neighborhood.

7. Violations of the federal fair housing act title 8, may be reported to? a. H.U.D in Washington or US district courts b. H.U.D. or the local housing authority c. H.U.D. in Washington or county housing court d. local housing authority

H.U.D in Washington or US district courts

3. The Massachusetts housing law M.G.L. c 151B does not include this protected class? a. religion and sexual orientation b. marital status and veteran history c. public/rental assistance and handicapped d. Race and credit history

Race and credit history

9. Under the Massachusetts Fair housing law? a. owner occupied 2 family residence are exempt in all rental matters b. owner occupied 3 family doesn't have to rent to a family with children, if one tenant is 62 years or older c. There are no exemptions in matters dealing with public/rental assistance recipients d. A non owner occupied 2 family must pay for renovations for a wheelchair handicapped tenant

There are no exemptions in matters dealing with public/rental assistance recipients

8. This is protected class under the Massachusetts fair housing but not under federal fair housing? a. handicapped b. racial minority c. sexual orientation d. gender

sexual orientation

8. A complaint filed with the Massachusetts Commission against discrimination may result in the following, except? a. 60 day suspension for real estate license holders if found guilty b. civil action in superior court c. restraining order against a landlord d. 10,000 fine, if found guilty

10,000 fine, if found guilty

5. On a first offense for discrimination, a Massachsetts real estate licensee may face? a. maximum of a warning b. maximum 1,000 fine c. Automatic 60day suspension d. penalty for a broker, not a sales person

Automatic 60day suspension

3. The Massachusetts law covering fair housing is known as? a. M.G.L. C 151B b. M.G.L. tittle 8 c. M.G.L. c93A d. M.G.L. c21E

M.G.L. C 151B

9. Which of the following does not related to the fair housing act? a. MGL c 151B b. Title 8 c. civil rights act d. MGL c 93a

MGL c 93a

8. The Massachusetts fair housing law is known as? a. MGL c93a b. MGL c111 c. MGL c183A D. MGL c151b

MGL c151b

10. Regarding federal and state fair housing, which of the following is true? a. both protect the same classes b. Massachusetts fair housing covers more classes than federal c. Massachusetts fair housing covers less classes than federal d. Massachusetts fair housing covers different classes then federal

Massachusetts fair housing covers more classes than federal

7. Real estate broker may rent an apartment in an owner occupied two family, based on the following exemption? a. elderly b. religion c. children d. No exemptions

No exemptions

Under Massachusetts fair housing, this has no exception for status? a. religion b. Public Assistance c. marital status d. handicapped

Public Assistance

6. An owner occupied 2 family may include all of the following except? a. children b. Public/rental assistance c. religion d. elderly

Public/rental assistance

2. The federal fair housing act title 8, includes the following classes? a. color, religion and marital status b. Race, religion, handicapped c. race, national origin and rental assistance d. religion, sex, and veteran status

Race, religion, handicapped

9. If a tenant applicant with a wheel cheer request that a ramp be installed, this would be considered? a. Reasonable modifications b. discrimination c. steering d. block busting

Reasonable modifications

10. bank denies a mortgage application, because the property is located in a neighborhood with a high minority population, this is an example of? a. blockbusting b. sterring c. legal refusal d. Redlining

Redlining - The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans. Redlining on a racial basis has been held by the courts to be an illegal practice.

5. A lender does not approve loans in an area of minority concentration because of a perceived increased risk of default, this is an example of? a. redlining b. blockbusting c. Steering d. no problem

Redlining - The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans. Redlining on a racial basis has been held by the courts to be an illegal practice.

8. A bank refusal to loan in a run down minority neighborhood is known as? a. Redlining b. blockbusting c. steering d. lender preference

Redlining - The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans. Redlining on a racial basis has been held by the courts to be an illegal practice.

9. Refusing to loan money in a minority neighborhood is called? a. Redlining b. steering c. blockbusting d. discrimination

Redlining - The term refers to the presumed practice of mortgage lenders of drawing red lines around portions of a map to indicate areas or neighborhoods in which they do not want to make loans. Redlining on a racial basis has been held by the courts to be an illegal practice.

1. Under title 8 of the civil rights act of 1968 all of the following are ? a require extra deposit, because tenant is hispanic b. Refuse to rent to a gay couple c. seller will not sell to catholics d. refuse to rent to a blind tenant

Refuse to rent to a gay couple

6. Massachusetts fair housing would find each of the following illegal except? a. Refusing tenant an apartment in a federally funded elderly apartment complex, because the applicant was too young. b. refusing to rent to a blind tenant, because she had a guide dog c. refusing to rent to a housing subsidy program tenant, because the program requires a one year lease d. refusing to rent to an unmarried could on religious grounds

Refusing tenant an apartment in a federally funded elderly apartment complex, because the applicant was too young.

4. Under the federal fair housing act title 8, this wouldn't be illegal? a. Refusing to rent to two people, because they are gay b. refusing to rent to a couple, because they had children c. showing a minority couple only houses in a minority area d. refusing to rent to a tenant, because he was in a wheelchair

Refusing to rent to two people, because they are gay

5. The federal fair housing act would find this illegal? a. rental of apartment in an owner occupied 6 family b. rental of an owner occupied 2 family to lesbians c. rental of an owner occupied 2 family to a family on a housing assistance program d. Requiring an extra security deposit, because of a tenants national origin.

Requiring an extra security deposit, because of a tenants national origin.

2. Showing an Asian amaerican apartments only in areas principally inhabited by Asian americans is? a. blockbusting b. harassment c. Steering d. An exemption

Steering - Racial steering refers to the practice in which real estate brokers guide prospective home buyers towards or away from certain neighborhoods based on their race. Racial steering is often divided into two broad classes of conduct; Advising customers to purchase homes in particular neighborhoods on the basis of race.

3. A broker shows a Hispanic couple some houses only in an Hispanic area, because she thinks they would be happier there. The broker is guilty of? a. redlining b. blockbusting c. Steering d. no problem

Steering - Racial steering refers to the practice in which real estate brokers guide prospective home buyers towards or away from certain neighborhoods based on their race. Racial steering is often divided into two broad classes of conduct; Advising customers to purchase homes in particular neighborhoods on the basis of race.

1. If a blind person with a seeing eye dog applies for an apartment in a building that does not allow pets, which of the following would be allowed under the fair housing act? a. the tenant could be denied the apartment b. the tenant could be accepted, but not bring the dog c. The tenant could be accepted, but be responsible for damage due to the dog. d. the tenant could be accepted, but restricted to a separate area

The tenant could be accepted, but be responsible for damage due to the dog.

4. Which of the following are true? a. a landlord may not rent to children, if lead paint is present b. a couple with a newborn must move, if lead paint is present c. a landlord may not deny rental to children, when lead paint is present d. a landlord may rent to children when lead paint is present, if the do not test positive for lead

a landlord may not deny rental to children, when lead paint is present

4. A broker shows a Hispanic couple some houses only in an Hispanic area at their request, the broker is guilty of? a. redlining b. blockbusting c. Steering d. no problem

no problem

6. A local church will only rent their hall to members of their church, under federal fair housing act of 1968 this is? a. redlining b. blockbusting c. Steering d. no problem

no problem

1. The federal civil rights act of 1866 prohibits discrimination based on? a. Race or religion b. rece, religion or national origin c. race only d. race, religion or sexual preferance

race only

2. The federal fair housing act of 1968 (title 8) protects which of the following classes? a. race, religion and wheelchair handicap b. race or public/rental assistance c. sex or sexual preference d. race, religion or marital status

race, religion and wheelchair handicap

6.. This is not prohibited by the federal fair housing act of 1968 title 8? a. refusal of tenancy, based on poor credit history b. redlining c. steering d. block buttering

refusal of tenancy, based on poor credit history

4. Under the federal fair housing act of 1968 (title 8), this wouldn't be protected? a. refusal to rent to an unmarried couple b. requiring an extra security deposit, because of the tenants religion c. a bank redlining a neighborhood, due to redial population d. showing a buyer a property in a specific neighborhood, because of the buyers race or religion

refusal to rent to an unmarried couple

7. This is illegal under the fair housing act? a. refusing a minority tenant, due to bad credit b. refusing a tenant, because they have children c. refusing a tenant due to religion, in an owner occupied 2 family d. refusing a handicapped tenant, due to a bad landlord recommendation

refusing a tenant, because they have children

5. The federal fair housing act of 1968 prohibits discrimination on the basis of? a. marital status b. public assistance c. sex d. veteran status

sex

3. Massachusetts fair housing law doesn't protect this class? a. martial status in agent rented, owner occupied two family b. blind or hearing impaired in a four family c. public/rental assistance in a 3 family d. wheelchair handicap in a 2 family, owner occupied

wheelchair handicap in a 2 family, owner occupied