9 - Federal and State Legislation

Question 1

Prohibited discrimination in housing based on race or color by affording all persons in the United States the right to make and enforce contracts.

Answer 1

Civil Rights Act of 1866

Question 2

Prohibits discrimination based on race, color, religion, and national origin.

Answer 2

Civil Rights Act of 1968

Question 3

Taking buyers or renters to or away from a particular area based on race, religion, etc.

Answer 3

Steering

Question 4

Any attempt to induce panic selling in a neighborhood for financial gain.

Answer 4

Blockbusting

Question 5

A landlord must make _____ _____ in rules, policies, practices, or services if necessary for the disabled person to use the housing.

Answer 5

Reasonable Accommodation

Question 6

VAMA

a Voluntary marketing agreement or contract that is negotiated between HUD and national associations that represent the housing industry.

Answer 6

Voluntary Affirmative Marketing Agreement

Question 7

Protects you from discriminatory practices in the real estate industry. You may freely choose a place to live without regard to your race, color, national origin, religion, sex, disability or familial status.

Answer 7

Texas Fair Housing Act

Question 8

an expansive law that affects almost all public accommodations, including retail stores, real estate offices, concert venues, government buildings, professional offices, restaurants, bars, and hotels, etc. Your place of business must be accessible

Answer 8

Americans with Disabilities Act (ADA)

Question 9

CFPB

Responsible for enforcing “federal consumer financial law”.

Has the authority to examine and enforce consumer protection regulations for all mortgage-related businesses, large non-bank financial companies, banks and credit unions with assets greater than 10 billion.

Answer 9

Consumer Financial Protection Bureau

Question 10

each credit applicant must be evaluated based on the same information as other every applicant.

Answer 10

Equal Credit Opportunity Act

Question 11

Prohibits redlining banks

Answer 11

Community Reinvestment Act

Question 12

Governs consumer reporting agencies and those who access consumer credit reports.

Answer 12

Fair Credit Reporting Act

Question 13

When was sex added as a protected class in the Civil Rights Act?

Answer 13

1974

Question 14

When was physical handicaps and familial status added as a protected class in the civil rights act?

Answer 14

1988

Question 15

Red Lining

Answer 15

A practice of refusing to provide financing in a particular area because of location