Practice of Real Estate

Title VIII

The Federal Fair Housing Act of 1968

Civil Rights Act of 1866

Prohibits property discrimination based on race

Blockbusting

Inducing owners to sell because of entry of minorities into neighborhoods

ADA

American legislation that gives disabled people accommodations equal employment rights

AIDS

Protected under HUD's disability definition of the Fair Housing Act

Familial Status

Protected class that includes persons who are pregnant

Discrimination

Segregating families with children to certain buildings or floors within a building

HUD

Fair Housing enforcement agency

62 years and older

An authorized discrimination age for senior housing exempt from familial status

Redling

Intentionally not loaning money in transition neighborhoods

Annual Percentage Rate

Lenders must use this to clearly state for comparative purposes the cost of their loans

Regulation Z

Legislation that requires disclosure for the cost of credit

Steering

Showing minorities only targeted neighborhoods rather than the entire market

Reasonable

Tenant granted permission to put in bathroom grab bars and raise electrical outlets

ECOA

Legislation protecting against discrimination in lending

EHO poster

Required to be conspicuously displayed in real estate, appraising, and lender office

Religious Organizations

Under certain conditions these organizations may be allowed to discriminate

Federal Trade Commission

Agency that enforces Regulation Z