Chapter 5 - FAIR HOUSING LAWS

1. ________________ is the agency that oversees the administration of federal laws and establishes national policies that make sure all Americans have equal access to the housing of their choice.

1. Office of Fair Housing and Equal Opportunity

2. The Americans with Disabilities Act (ADA) was enacted in _____ and deals with commercial property.

2. 1992

3. The practice of directing home seekers to particular neighborhoods based on race, color, religion, sex, or national origin: A. Is known as steering B. Is prohibited by the Civil Rights Act of 1866 C. Constitutes blockbusting D. Is called familial status

A. Is known as steering A licensee may not steer even if their client ask them to steer.

6. In 1968, Jones v. Alfred H. Mayer Company became the landmark case of discrimination. The Supreme Court heard the case and upheld the: A. The Civil Rights Act of 1866 B. ADA C. Title VIII D. The Civil Rights Act of 1968

A. The Civil Rights Act of 1866 The supreme Court heard the case and upheld the civil rights act of 1866. This law is a federal law and does not allow anyone to discriminate because of race.

8. Familial status refers to: A. A parent or guardian with a child under the age of 18 B. A pregnant woman C. Where people with children can live D. All of the above

All of the Above Familial status refers to people with children. People with children can live anywhere they can quilfy to live.

4. Equal Credit Opportunity Act

Applies to lenders who make loans on a regular basis

4. A licensed real estate agent is offered a listing by an owner who stipulates that she will not sell to any person of a certain national origin. The agent should: A. Accept the listing and leave it up to the owner to reject offers from these persons. B. Refuse the listing. C. Report the owner to the real estate department. D. File a complaint against the owner with HUD.

B. Refuse the listing. An agent is not allowed to discriminate for any reason. The owner is asking the agent to do something illegal. Refusing is the only thing to do.

7. A landlord is required to allow a handicapped person to lease a property if the person is qualified. The landlord must also: A. Pay for any reasonable accommodations for the handicapped person use of the property B. Refuse to allow a guide dog to live in the property if the property has a no "pets" rule C. Allow the person to make changes to the property to accommodate the person's needs but the handicapped person must pay for the changes D. A landlord is not required to lease to a handicapped person.

C. Allow the person to make changes to the property to accommodate the person's needs but the handicapped person must pay for the changes A landlord is required to lease to a handicapped person if the person is qualified and must allow the person to make changes to the property to meet their needs. The landlord cannot refuse the guide dog.

5. The Americans with Disabilities Act deals primarily with: A. Single family residences B. Multifamily residences C. Commercial property D. All real estate

C. Commercial property Fair Housing laws cover single family and multifamily residences. Commercial property is covered by ADA.

9. All brokers are required to display ______________________ in their offices.Cdslmdlm A. Texas Workforce Commission Civil Rights Division sign B. U.S. Department sign C. Equal Housing Opportunity poster D. The Real Estate Licensing Act

C. Equal Housing Opportunity poster The poster gives information about filing a complaint to anyone who feels he or she has been discriminated against.

1. The owner of a single-family house in which he lives wants to sell. If he does not use discriminatory language in advertising, has not sold any other house within the past two years, and does not employ an agent, may he discriminate on the basis of RACE in selecting a purchaser? A. Yes, because the fair housing laws permit discrimination under these conditions. B. Yes, because the law applies only to sales made by licensed agents. C. No, because this would be prohibited by the Civil Rights Act of 1866. D. No, because this would be prohibited by the Fair Housing Act of 1973.

C. No, because this would be prohibited by the Civil Rights Act of 1866. The Civil rights Act of 1866 is a federal law. No one is allowed to discriminate because of race.

2. All of the following are prohibited by the Fair Housing Act of 1968, as amended, EXCEPT: A. Discrimination in advertising B. Denial of availability of housing on the basis of religion C. Discrimination in terms of conditions for sale or rent D. Discrimination on the basis of age

D. Discrimination on the basis of age The protected classes under the Fiar Housing Act of 1968, as amended are Race, Color, National Origin, Religion, Sex, Handicap, and familiar Status.

2. Americans with Disabilities Act

Enacted in 1992

8. _____________ has had a lead role in the administering of the Fair Housing Act since its adoption in 1968.

HUD

9. A landlord must allow a ________________ to lease a property if the person is otherwise qualified.

Handicapped person

1. Blockbusting

Illegal practice by which owners in a specific neighborhood are persuaded to sell because certain racial, ethnic, or social groups moving in will reduce housing values.

5. 1968

Jones v. Alfred Mayer Company

3. Civil Rights Act of 1866

Race became a protected class

5. The act of refusing home loans to areas or neighborhoods deemed poor financial risks is known as _______.

Redlining

6. Under the Equal Credit Opportunity Act (ECOA), creditors are never allowed to ask for your ______________.

Religion

3. The illegal practice of directing home seekers to a particular neighborhood is called_________.

Steering

7. The first Fair Housing Law is known as the _______________ and prohibited discrimination based on race.

The Civil Rights Act of 1866

10. The ______________________ requires that each lending institution's record in helping meet the credit needs of the community be evaluated periodically.

The Community Reinvestment Act (CRA)

4. _________________ ACT passed in 1974, prohibits a person or a lending institution that makes regular loans from discriminating based on race, color, religion, national origin, and other factors.

The Equal Credit Opportunity Act

6. Redlining

The act of refusing home loans to areas or neighborhoods deemed poor financial risks

7. Recall when ADA was enacted and name the type of property it applies to.

americans with disablities act --> commercial property