CH 14 Quiz Flashcards
T/F: A HUD administrative law judge may award compensatory and attorney’s fees to a victim of discriminatory conduct.
True
T/F: The federal Fair Housing Act does not prohibit discrimination in commercial or industrial transactions.
True
The Fair Housing Act addresses discrimination only in residential transactions.
T/F: A salesperson tells a client, “You probably wouldn’t be interested in looking at that house; it’s in a changing neighborhood.” This is an example of blockbusting.
False
That is an example of steering
T/F: Protection against discrimination on the basis of familial status is extended to those who have a child under 18 living with them, but not to pregnant women.
False
Familial status protection covers those who have children under 18 living with them, pregnant women, and those in the process of obtaining custody of a child.
T/F: If an apartment has an established “no pets” policy for tenants, the manager isn’t required to make an exception for a hearing impaired person who has a service dog living with him.
False
Landlords must make reasonable exceptions to their rules to accommodate handicapped tenants. For example, even if they don’t allow pets, they can’t refuse to rent to someone with a service dog.
T/F: Purchasing a home and then selling it on contract to a minority buyer, in order to frighten other homeowners in the neighborhood into selling, is an example of steering.
False
That is an example of blockbusting
T/F: Under the Fair Housing Act, a property intended for and solely occupied by persons 62 years old or older is exempt from the prohibition against discrimination based on familial status.
True
Also exempt are properties developed under a government program to assist the elderly, and properties intended to house persons who are 55 or older, if at least 80% of the units are occupied by at least one person who is 55 or older.
T/F: The year in which the Supreme Court barred racial discrimination, both public and private, in the sale and rental of real property was 1968.
True
The Supreme Court ruled that the Civil Rights Act of 1866 applied to real property transactions in the 1968 case of Jones v. Mayer.
T/F: The refusal, for discriminatory reasons, to make loans on properties located in a particular neighborhood is called redlining.
True
It’s legal to reject a loan application based on the creditworthiness of the applicant or on the value of the property, but basing a lending decision on the racial or ethnic makeup of the neighborhood is illegal redlining.
T/F: The Fair Housing Act doesn’t apply to the rental of a unit or a room in a dwelling with up to four units, provided that the owner occupies one of the units, uses no discriminatory advertising, and does not employ a broker.
True
This is sometimes referred to as the Mrs. Murphy exemption.
The ___ Act is a California law that is specifically directed at preventing redlining.
The state Housing Financial Discrimination Act
Under the state Housing Financial Discrimination Act, financial institutions may not deny a home loan application because the property is located in a particular geographic area or because the applicant is of a particular race.
The ____ Act is the federal law that describes a public accommodation as any private entity with facilities open to the public, as long as the operation of the facility affects commerce.
The Americans with Disabilities Act (ADA)
The ___ Act is the federal law which prohibits lenders from discriminating based on race, color, religion, national origin, sex, marital status, or age, or because the applicant’s income is from a public assistance program.
Equal Credit Opportunity Act
ECOA prohibits discrimination in credit transactions, including residential real estate loan transactions.
Under this state law, everyone has the right to the full use of the services of any business establishment, regardless of their sex, race, color, religion, ancestry, national origin, disability, medical condition, marital status, or sexual orientation.
Unruh Civil Rights Act
The Unruh Civil Rights Act applies to all businesses, including real estate companies, homeowners and condominium owners associations, and apartment buildings.
Also known as the Rumford Act, this California state law prohibits discrimination in the selling, leasing, or financing of housing.
The Fair Employment and Housing Act
The Fair Employment and Housing Act prohibits housing discrimination based on race, color, religion, sex, sexual orientation, marital status, national origin, ancestry, disability, familial status, or source of income.
