12 Fair Housing/ADA

Question 0

Fair Housing Act of 1968

Answer 0

Prohibits discrimination based on race, color, religion origin, sex, familial status or handicap.
It was amended twice, 1974 sex became protected, and 1988 handicap and familial status became protected.
Law is administered by HUD.

Question 1

Civil Right Act of 1866

Answer 1

Prohibits all racial discrimination without exception. This enforcement is through the federal courts, not HUD.

Question 2

Blockbusting

Answer 2

To induce, or attempt to induce any person to sell or rent by representation regarding entry or prospective entry into the neighborhood of a person.

Question 3

Steering

Answer 3

Illegal act where brokers guide prospective home owners to or away from neighborhoods where they think they should or shouldn’t live.

Question 4

Redlining

Answer 4

Illegal practice by lenders who restrict loans in certain areas for reasons other than applicants creditworthiness.

Question 5

Exemptions

Answer 5

1. No broker was used
2. No discriminatory advertising was used.
3. Sale or rent of a SFR if owned by the seller under the following:
   A. Seller does not own more than 3 SFR at one time.
   B. Seller is not living in house, or was not most recent resident, only 1 sale is exempt within a 24 month period.
4. Rental in buildings with 4 or fewer family units if owner occupies one of the units.
5. Religious organizations that own residential property can limit occupancy to members of their organization as long as it does not discriminate on who can be members of their organization.
6. Private clubs can limit lodging to only their members as long as the lodging is not used for commercial purposes.

Question 6

Elderly Housing Exemptions

Answer 6

1. Units occupied by 62 years or older persons.
2. At least 80% of units are occupied by 1 person 55 or older.
3. Illegal drug abusers are not protected under the handicap class unless they are in recovery.
4. Anyone who poses a threat to health or safety to the public are not protected under the handicap class.

Question 7

Dwelling

Answer 7

Any building, structure or part of a building that is occupied as, or designed or intended for occupancy as, a residence by one or more families. Includes vacant land that is to be used for one of the purposes described therein.

Question 8

Handicap

Answer 8

A mental or physical impairment that substantially limits at least one major life activity.

Question 9

Familial Status

Answer 9

Domicile with a child under the age of 18, pregnant women, or person in the process of obtaining legal custody of a child under the age of 18.

Question 10

Americans with Disabilities Act

Answer 10

A federal law that went into effect in 1992 that protects an individual’s rights when it comes to employment, accessibility rights in public accommodations, government services, public transportation, and telecommunications.

Question 11

ADA Enforcement

Answer 11

Enforced by US attorney general.
1st offense - $50k
Subsequent offenses - $100k

Question 12

ADA Titles

Answer 12

Title 1 - requires employers of 15 or more employees to make reasonable accommodations to allow employees with a disability to perform essential job functions.
Title 3 - provides people with disabilities the right to accessibility to goods and services in public & commercial facilities.

Question 13

Equal Credit Opportunity Act

Answer 13

Passed in 1974 which extends credit based on the applicants ability to repay the loan without regard for a persons:
Race
Color
Religion
Origin
Age
Marital Status
Public Assistance