Advanced Fair Housing & Fair Lending

Question 1

Civil Rights Act of 1866 (First major legislation directly affecting equal rights)

Answer 1

act prohibited racial discrimination in all property transactions in the US.

Protects Race and Color

Question 2

Federal Fair Housing Act of 1968

Answer 2

prohibitions against racial discrimination and adding….

Religion + National Origin

Question 3

Housing And Community Development Act of 1974

Answer 3

Added Sex + Gender

Question 4

Fair Housing Amendments Act of 1988

Answer 4

added Disability + Familial Status

Question 5

Name all 7 fair housing act protected classes

Answer 5

Race + Color + Religion + Sex + Disability + National Origin + Familial Status

Question 6

What is the Equal Credit Opportunity Act?

Answer 6

prohibits creditors from discriminating against any applicant with respect to any aspect of a credit transaction on the basis of - race, color, religion, national origin, sex, marital status, age,

Question 7

T/F
Under the equal credit opportunity act, borrowers are protected from discrimination on the basis of their familial status

Answer 7

False

Question 8

Steering/Channeling

Answer 8

when you direct prospective buyers or renters to or away from a specific neighborhood based on their race (or any other protected class)

Question 9

Blockbusting/Panic Selling/Panic Peddling

Answer 9

inducing or attempting to induce, for profit, any person to sell or rent property based on representations made regarding entry into the neighborhood of persons of a particular race, color religion, sex, or national origin and it is prohibited under federal and state law

Question 10

Redlining

Answer 10

discriminating against anyone by a lending institution in making a loan for buying, building, repairing, improving, or maintaining a dwelling, or in the terms of such financing insurance.

Question 11

Office of Fair Housing and Equal Opportunity (division of Department of Housing and Urban Development)

Answer 11

responsible for the administration and enforcement of federal fair housing laws.

Question 12

Within how long can someone file a civil suit of an alleged discriminatory incident?

Answer 12

Two years

Question 13

How much is the fine for a first violation of discriminatory practices? Subsequent Violations?

Answer 13

Up to $75K | $150K

Question 14

T/F

Fair housing laws are enforced by FHA

Answer 14

False, enforced by Department of Housing and Urban Development

Question 15

How long do people have to file fair housing complaints to HUD for alleged discrimination?

Answer 15

Within 1 year

Question 16

Maximum civil penalty for violation of first offense of HUD complaints?

Answer 16

$16K

Question 17

a person who has been discriminated against under the civil rights act of 1866 must file the lawsuit in which court?

Answer 17

Federal District Court

Question 18

New York Specific - extends protected classes to include (4)…

Answer 18

Age
Marital Status
Military Status
Sexual Orientation

Question 19

New York State Exemptions to federal fair housing acts (4)

Answer 19

• rental of one unit of an owner-occupied two family residence, for example, a duplex
• rental of a room in a housing accommodation where all rooms are rented to people of the same sex, for example, a dorm.
• rental of a room or rooms in an owner occupied single family home
• restriction based entirely on age and familial status for housing accommodations or public housing exclusively intended for people age 62 or older (and a spouse) or housing intended and operated for occupancy by at least one person age 55 or older in each unit

Question 20

T/F

Every homeowner within a designated cease and desist zone is protected from unwanted solicitation by real estates licenses

Answer 20

True
A proper owner within a cease and desist zone must file an owners statement in order to be included on the cease and desist list

Question 21

Residents may file a complaint New York State Division of Human Rights within how many yesrs of alleged act?

Answer 21

1 year

Question 22

Within how many years can residents bring a civil suit in NY Supreme Court?

Answer 22

3 years

Question 23

Actions taken by commissioner if respondent is found guilty of alleged discrimination (6)

Answer 23

1. require the responded to cease and desist from such unlawful discriminatory practice
2. Require the respondent to take affirmative action for example, extend a lease to the complainant under equal terms
3. Award compensatory damages to the complainant
4. Award Punitive damages to the complainant not to exceed $10K
5. Require the respondent to pay the state any profits obtained through the commission of unlawful discriminatory acts associated with blockbusting
6. Assess civil fines and penalties not to exceed $50K or not to exceed $100K if the act of discrimination was determined to be willful, wanton, or malicious

Question 24

Who do you file complaints with in NYC?

Answer 24

City’s Commission on Human Rights - must file within a year