Ch 19 Quizzes

Question 1

T/F: The Civil Rights Act of 1866 is known as the Fair Housing Act.

Answer 1

False

Title VIII of the Civil Rights Act of 1968 is known as the Fair Housing Act.

Question 2

Under the Fair Housing Act’s “Mrs. Murphy” exemption, the act doesn’t apply to the rental of a room in a five-unit dwelling, provided the owner lives on the premises, no discriminatory advertising is used, and no broker is involved in the transaction.

Answer 2

True

The Mrs. Murphy exception applies only to dwellings with four or less units.

Question 3

https://quizlet.com/189768697/lesson-15-civil-rights-and-fair-housing-pop-quiz-flash-cards/

Answer 3

Ch 19

Question 4

An agent who shows minority buyers homes only in minority neighborhoods is engaging in redlining

Answer 4

False

Channeling prospective buyers or renters to specific neighborhoods is called steering.

Question 5

Refusal to make loans for discriminatory reasons is not prohibited by the Fair Housing Act.

Answer 5

False

Refusal to make loans for discriminatory reasons is called redlining and is one of the practices prohibited by the Fair Housing Act.

Question 6

Refusal to make loans for discriminatory reasons is called ___

Answer 6

Reflining

Question 7

Purchasing a home in a neighborhood and then selling it on contract to a minority buyer in order to frighten local residents into selling is an example of a blockbusting technique.

Answer 7

True

Blockbusting (or panic selling) is prohibited by the Fair Housing Act

Question 8

The term for panic selling = ___

Answer 8

Blockbusting

Question 9

The Department of Housing and Urban Development can file a discrimination complaint on its own initiative.

Answer 9

True

Although individuals may file discrimination complaints with the Office of Fair Housing and Equal Opportunity, HUD does not have to wait for a victim of discrimination to file a complaint.

Question 10

The _______________ applies to all credit transactions.

Answer 10

ECOA

Question 11

The _______________ requires annual reports on residential loans from certain institutional lenders.

Answer 11

HMDA

Home mortgage disclosure Act

Question 12

The _______________ requires any business or other facility open to the public to be accessible to the disabled.

Answer 12

ADA

Question 13

Any nonresidential place owned, operated, or leased by a private entity and open to the public is a/an _______________, as long as operation of the facility affects commerce.

Answer 13

Public accommodation

Question 14

A modification is _______________ if it can be accomplished without much difficulty or expense.

Answer 14

Readily achievable

Question 15

The _______________ of real estate brokers are included in the definition of public accommodations under the ADA.

Answer 15

Professional offices

Question 16

T/F: A seller may ask whether a prospective buyer is a member of a protected class in order to avoid inadvertent discrimination.

Answer 16

False

The law prohibits sellers from asking prospective buyers if they belong to a protected class, regardless of what motive the seller claims. Agents should refuse to answer questions of this nature.

Question 17

T/F:

A landlord with a policy against allowing pets must still allow a blind tenant to have a seeing-eye dog.

Answer 17

True

Landlords must make reasonable accommodations when requested by disabled tenants, such as making exceptions to allow the use of a service animal.

Question 18

T/F: Arbitrary discrimination by businesses is legal as long as it does not affect members of a protected class.

Answer 18

False

The Unruh Civil Rights Act prohibits all arbitrary and intentional discrimination by business establishments. The list of protected classes is considered illustrative, rather than restricting the law’s application to only those covered by the list.

Question 19

Discriminatory behavior by a real estate agent may subject the agent to discipline under the real estate license law.

Answer 19

True

The antidiscriminatory provisions of the real estate license law supplement the requirements of other antidiscrimination laws.

Question 20

T/F: The Housing Financial Discrimination Act is intended to limit the practice of redlining.

Answer 20

True

Also known as the Holden Act, this law states that denying a mortgage loan is against public policy if based on neighborhood conditions other than the buyer’s creditworthiness and the value of the security property.

Question 21

T/F: Testers do not have the right to sue for discrimination.

Answer 21

False

Testers and fair housing organizations that investigate discrimination may be entitled to sue and recover damages from the party responsible for the discrimination.

Question 22

T/F: Unreasonably restricting permits for multi-family or low-income housing can be considered discriminatory.

Answer 22

True

Known as exclusionary zoning, such practices may result in charges of discrimination if it can be shown that the zoning has a greater impact on protected classes.

Question 23

T/F: The types of models used in advertising are not relevant to discrimination.

Answer 23

False

Using white models exclusively could be the basis for a discrimination lawsuit

Question 24

T/F: Race can be a factor in a seller’s decision of whether to accept an offer, as long as the seller does not refuse to talk to the prospective buyer.

Answer 24

False

It is illegal to refuse to sell or rent after receiving a bona fide offer if it can be shown that race was a factor in the decision.

Question 25

T/F: Disparate impact means that a law affects a protected class more heavily than it does other classes.

Answer 25

True

A law can have a discriminatory effect even though it appears neutral. Cities and counties don’t usually pass explicitly racist ordinances, so most zoning discrimination cases are based on disparate impact

Question 26

T/F: Discrimination can include unequal access to membership in a multiple listing service.

Answer 26

True

Denial of membership or unequal access to MLS services is a form of discrimination if based on race or another protected class.

Question 27

T/F: The only recognized form of discrimination in lending is redlining.

Answer 27

False

Discrimination in lending might involve different application fees, finance charges, or foreclosure and underwriting procedures.

Question 28

T/F: UNREASONABLY RESTRICTING PERMITS FOR MULTI-FAMILY OR LOW-INCOME HOUSING CAN BE CONSIDERED DISCRIMINATORY

Answer 28

True
known as exclusionary zoning, such practices may result in charges of discrimination if it can be shown that the zoning has a greater impact on protected classes