Chapter 16

Age as a protected class in Pennsylvania is defined as persons

40 and older

Under federal law, families with children may be refused rental or purchase in a building where occupancy is reserved exclusively for those whose age is at LEAST

62

Housing for Older Persons Act

A federal law that repealed the requirement that 55 and older housing have "significant facilities and services" designed for seniors HOPA still requires that at least 80% of occupied units have one person age 55 or older living there.

Which of these meets the HUD definition of family as a protected class?

A single parent with a foster child age 12 and a son age 19

Americans with Disabilities Act (ADA)

Legislation passed in 1990 that prohibits discrimination against people with disabilities. Under this Act, discrimination against a disabled person is illegal in employment, transportation, public accommodations, communications and government activities.

Which act is permitted under the federal Fair Housing Act?

refusing to finance a home for an individual who has a poor credit history

The fine for a first violation of the federal Fair Housing Act could be as much as

$21,039

race

Ancestral and ethnic characteristics including certain physical cultural or linguistic traits that are shared by a group with a common national origin

the fair housing act is administered by the

Department of Housing and Urban Development (HUD)

If a mortgage lender discriminates against a loan applicant on the basis of marital status, what law is violated?

ECOA

Fair Housing Amendments Act of 1988

Expansion of the Fair Housing Act to include families with children and those with physical or mental disabilities.

After a broker takes a listing agreement for a residence, the owner specifies that he will not sell his home to any Asian family. Which action should the broker take?

Explain to the owner that the instruction violates federal law and that the broker cannot comply with it

Steering

Illegal practice of channeling home seekers to particular neighborhoods based on race, religion, national origin; an illegal limitation of a purchaser's options

Blockbusting

Illegal practice of inducing homeowners to sell their properties by telling them that a certain people of a certain race, national origin or religion are moving into the area aka panic selling

What duty, if any do real estate licensees have regarding the Megan's Law registry

No duty

Familial Status

One or more individuals under age 18 living with a parent or guardian. It also includes pregnant women and anyone in the process of assuming custody of a child under 18.

Civil Rights Act of 1866

Pact that prohibits racism in the sales and rental of housing

Which of the following is an illegal reason for a lending institution to refuse to make a residential real estate loan in a particular area?

Physical location of the property

Title VIII of Civil Rights Act of 1968 (Federal Fair Housing Act)

Prohibits discrimination in housing based on race, color, religion, or national origin.

Which statement describes the Supreme Court's decision in Jones v. Alfred H. Mayer Company

Racial discrimination is prohibited by any party in the sale or rental of real estate

Who is responsible for creating and maintaining open housing market?

Real estate industry

What action is required by the Americans with disabilities Act?

Reasonable accommodations must be provided to people with disabilities.

A property manager has just entered into a management contract with the owner of a very large office building who asks the manager to verify that the building is in compliance with the American with Disabilities Act (ADA). What should the manager do?

Recommend hiring an architect or consultant who specializes in ADA issues

What agency if any, in Pennsylvania is charged with maintaining the registry of sexual offenders?

State Police

The following ad appeared in the newspaper: "For sale: 4 BR brick home; Redwood School District; excellent Elm Street location; short walk to St. John's Church; and right on the bus line. Move-in condition; priced to sell." Which statement is TRUE?

The ad should not mention St. John's Church

fair housing act

The federal law that prohibits discrimination in housing based on race, color, religion, sex, handicap, familial status, and national origin

Equal Credit Opportunity Act

The federal law that prohibits discrimination in the extension of credit because of race, color, religion, national origin, sex age or marital status

red lining

The illegal practice of lending institutions denying loans or restricting their number for a certain community.

Conciliation

The resolution of fair housing complaint by HUD by obtaining assurance that the persons against whom the complaint was filed (the respondent) will remedy any violation that may have occurred

Pennsylvania human relation act

The state law that prohibits discrimination in the sale or rental of real estate, both housing and commercial properties on the basis or race, color religion ancestry national origin or use of guide dog support animal due to a disability

What is the underlying purpose of the civil rights laws that affect the real estate industry

To allow everyone the opportunity to live where they choose

disability

a mental or physical impairment that substantially limits one or more major life activities

code of eithics

a written system of standards for ethical conduct

The resident manager of a large rental community tries to place families with the children in to an apartment building where other families with children reside? is this an example of

an illegal practice called steering

After receiving a fair housing complaint, HUD initiatives an investigation and attempts

conciliation

Policies or procedures that appear to be neutral but which negatively affect people in the protected classes are called

disparate impact

Meagan's Law

federal legislation that promotes the establishment of state registration systems to maintain residential information on every person who kidnaps children, commits, sexual crimes against children' or commits sexually violent crimes.

A minority real estate broker's practice of offering a special discount to minority client is

illegal

Disparate Impact

policies or procedures that appear to be neutral but which negatively affect people in the protected classes.

Fair housing act

these laws prohibit discrimination based n race, color religion sex disability familial status and national origin