Americans with disabilities act
Federal act implementing regulations that protect citizens with mental or physical disabilities. does not apply to residential housing but to commercial facilities and places of public accommodation
Blockbusting
The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular protected class into the neighborhood
Channeling
See steering
Civil rights act of 1866
A federal act that prohibits racial discrimination in the sale and rental up all real and personal property
Code of Ethics
A written system of standards for ethical conduct
Department of housing and urban development HUD
A federal cabinet department active in national housing programs. among its many programs are urban renewal, public housing, model cities, rehabilitation loans, FHA subsidies, fair housing enforcement, and water and sewer grants.
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.
Federal fair housing act
The federal law that prohibits discrimination in housing based on race, color, religion, sex, handicap, familial status, or national origin.
North Carolina fair housing act of 1983
State fair housing law containing similar prohibitions to those of the federal fair housing law. unlike the federal law, however the North Carolina law does not exempt owners who are selling their own property, and it does exempt the rental of a unit in a
North Carolina human relations commission
The state agency responsible for enforcing the North Carolina fair housing act.
Office of fair housing and equal opportunity
...
Panic peddling
See blockbusting
Protected classes
Any group of people designated as such by statue in consideration of federal and state civil rights and lending legislation; currently includes familial status, marital status, age, race, gender, handicapping condition, color, religion, source of income,
Redlining
The illegal practice of a lending institution denying loans or restricting their number for certain areas of a community
Steering
The illegal practice of channeling home seekers to particular areas, either to maintain the homogeneity of an area or to change the character of an area, which limits their choices of where they can live
Which of the following acts is permitted under the federal fair housing act?
Refusing to sell a home to an individual because of poor credit history.
What will happen if there is a conflict between the federal and state fair housing legislation?
The stricter law will prevail
The civil rights act of 1866 is unique because it
Provides no exceptions to racial discrimination.
They are the first of their kind to move into the neighborhood. better list with me today before the property values start to drop!" is an example
Blockbusting
The act of channeling home seekers to a particular area either to maintain or to change the character of the neighborhood is
Steering
Under the provisions of the federal fair housing act, if a lender refuses to make a loans in a certain area because the population is made up of more than 25% African-Americans, the lender is probably practicing
Redlining
Which practice is not permitted under the federal fair housing act as amended?
I. preference in the rental of rooms by a private club to its members
II. An owner of a 20 unit apartment building renting exclusively to females
II
Under federal law, families with children may be refused rental or purchase in buildings where strict conditions are met and occupancy is reserved exclusively for those at least how many years old?
62
A newspaper ad reads: "for sale, 4 bedroom brick home, redwood school district, excellent location, short walk to St. John's Catholic Church and right on the bus line, move in conditions. price to sell" which of the following statements is true?
The ad should not mention Saint johns Catholic Church.
An African-American real estate brokers practice of offering a special discount to African-American clients is
Illegal
Protection from discrimination against a single father with a child under 18 in a sale or rental of real estate property is provided by the
Fair housing amendments act of 1988
The federal fair housing amendments act of 1988 added which of the following as protected classes
Handicap and familial status
A real estate broker told a single man with two small children that units for sale in a condominium complex are available only to married couples with no children, which of the following statements is true?
The man may file a fair housing complaint alleging discrimination on the basis of familial status
The seller requests that showings be restricted to buyers of a particular race and national origin. the listing agent
Should terminate the listing if the seller will not reconsider the instructions
In North Carolina, a person who feels she has been discriminated against in housing by a property owner should file a complaint with the
North Carolina human relations commission
After a broker takes a residential listing, the owner states that he does not want his home shown or sold to a Mexican buyer. the broker should
Explain that the broker cannot knowingly comply with any instruction that violates federal law
All of the following are in violation of the federal fair housing act of 1968 except the
Insistence of a widowed woman on renting her spare bedroom only to a another widow
A real estate broker wants to end racial segregation. as an office policy the broker requires that affiliated brokers show prospective buyers from racial or ethnic minority groups only properties that are in certain areas of town in order to create more d
It constitutes illegal steering, regardless of the brokers intentions.
All of the following are protected classes under the equal credit opportunity act except
Familial status
The provisions of the fair housing act
In all states
The civil rights act of 1866 prohibits discrimination based on a persons
Race
The agency responsible for the enforcement of the federal fair housing act is the
Department of housing and urban development HUD
It is illegal for a lending institution to refuse to make a residential real estate loan in a particular area based upon the
Neighborhood in which the property is physically located
A discrimination suit maybe filed in federal court by the
Aggrieved person believed to have experience of racial profiling
A prerequisite to filing a complaint of discrimination is that the complainant must
Suspect that discrimination occurred
The fair housing act of 1968 is contained in
Title VIII of the civil rights act of 1968
A prospective homebuyers who is African-American expresses interest in seeing a home in a predominantly Caucasian residential neighborhood. which of the following would be an appropriate response from the broker?
I'll be pleased to show you any houses that you're interested in.
With regard to the fair housing requirements real estate brokers are required to do all of the following except
Show every listed property to each prospective buyer
Protection from the rights or acts of violence against those who assist and encourage open housing rights is found in the
Fair housing act of 1968
The provisions of the federal fair housing act apply
In all states
By federal and state fair housing laws, all of the following actions are illegal except
Refusing to show certain residential property to people who are not financially qualified to purchase it
The refusal of a lending institution to make a residential real estate loan strictly because of the racial or ethnic composition of the neighborhood is called
Red lining
Discrimination based on familial status was prohibited with the passage of the
Fair housing amendments act of 1988
Which of the following can be considered by a lender a while deciding whether or not to approve a loan without violating fair housing laws
Economic position
Under certain conditions the federal fair housing laws may provide exemptions for all of the following except
Racially based organizations
The practice of renting only first floor apartments to families with toddlers rather than allowing the families to rent apartments with a balcony that are located with in the upper floors of the building is considered
A discriminatory practice
Steering is
Leading perspective homeowners to or away from certain neighborhoods based on the presence or absence of certain protected classes
When a real estate licensee reports that my minorities are moving into the area in order to induce homeowners to sell their properties, the activity is considered
Panic peddling
The federal fair housing act (title VIII) prohibits all of the following practices except
Discriminating on a basis of marital status
Under the federal fair housing act, it is illegal to discriminate because
A person has aids
A house for sale was advertised "fine executive home in an upscale neighborhood, within walking distance of city park and St. Mary's College" all of the following are true except
This is descriptive of the property for sale and a good ad
A broker employs a provisional broker that is Latino. the broker tells this provisional broker to work only with other Hispanics and to solicit listings only in a predominantly minority neighborhoods. which of the following is true
The provisional brokers rights and those of the clients and/or customers have been violated by the broker.
The restrictive covenant in a condominium complex prohibits pets. a prospective buyer with a physical disability relies on a service animal to assist him. which of the following is true
The restriction is unenforceable when any person with a disability uses a service animal for assistance
Which of the following is illegal
Refusing to hire an otherwise qualified person because he is wheelchair-bound
Which of the following would be considered legal?
Requiring a person with a disability to establish an escrow account for the cost to restore a property after it has been modified.