Unit 5 Fair Housing Laws
Sex was added as a protected class by the
1974 Housing and Community Development Act
Housing for older persons is exempt from familial status discrimination prohibitions if it is occupied solely by persons of what age and older?
62
A real estate agent wants to achieve racial balance in residential housing. As an office policy, he requires that sales agents show prospective buyers from racial or ethnic minority groups only properties that are in areas of town where few members of their groups currently live. Which statement is TRUE regarding the brokers policy?
Because the effect of the policy is discriminatory, it constitutes illegal steering regardless of the brokers intentions.
"I hear they're moving in! There goes the neighborhood! Better put your house on the market before housing drops!" is an example of
Blockbusting
If a mortgage lender discriminates against a loan applicant on the basis of marital status, what law is violated?
ECOA
After a broker takes a listing on a residential property, the owner specified that he will NOT sell his home to an Asian family. The broker should do which of the following:
Inform the owner that the instructions violate federal law and that the broker must comply with the law.
Why is the Civil Rights Act of 1866 unique?
It provides no exceptions that would permit racial discrimination
Lawsuits relating to the Civil Rights Act of 1866
Must be taken directly to federal court
The 1995 HUD memorandum on advertising prohibited which of the following terms?
Neither (Bachelor apartment and master bedroom)
The famous "separate but equal" doctrine is from which of the following Supreme Court Decisions?
Plessy vs Ferguson
Which statement describes the effect of the Supreme Courts decision in Jones v. Alfred H. Mayer Company?
Racial discrimination is prohibited by any party in the sale or rental of real estate.
What action is permitted under the federal Fair Housing Act?
Refusing to sell a home to a minority individual because of a poor credit history.
Which situation is considered discriminatory under the Fair Housing Act?
The owner of a 20-unit apartment building refuses to rent apartments to women.
The definition of the term handicap includes all of the following except...
current illegal drug users
The federal Fair Housing Act of 1988 added as protected groups
families with children and persons with handicaps
The Community Reinvestment Act (CRA) requires that lenders
make loans within the communities from which they derive their deposits
A lender's refusal to lend money to potential homeowners attempting to purchase property located in predominantly African American neighborhoods is known as
redlining
The act of channeling home seekers to a particular area either to maintain or to change the character of a neighborhood is
steering
An exception that allows discrimination in the rental of rooms or units in an owner-occupied building with not more than four units is provided in
the Fair Housing Act of 1968
The Home Mortage Act requires that lenders disclose
the geographical areas served by the lender
The key to composing advertising that complies with the Federal Fair Housing Act is to describe
the property