Ch 19 Quizzes Flashcards
T/F: The Civil Rights Act of 1866 is known as the Fair Housing Act.
False
Title VIII of the Civil Rights Act of 1968 is known as the Fair Housing Act.
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.
True
The Mrs. Murphy exception applies only to dwellings with four or less units.
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Ch 19
An agent who shows minority buyers homes only in minority neighborhoods is engaging in redlining
False
Channeling prospective buyers or renters to specific neighborhoods is called steering.
Refusal to make loans for discriminatory reasons is not prohibited by the Fair Housing Act.
False
Refusal to make loans for discriminatory reasons is called redlining and is one of the practices prohibited by the Fair Housing Act.
Refusal to make loans for discriminatory reasons is called ___
Reflining
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.
True
Blockbusting (or panic selling) is prohibited by the Fair Housing Act
The term for panic selling = ___
Blockbusting
The Department of Housing and Urban Development can file a discrimination complaint on its own initiative.
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.
The _______________ applies to all credit transactions.
ECOA
The _______________ requires annual reports on residential loans from certain institutional lenders.
HMDA
Home mortgage disclosure Act
The _______________ requires any business or other facility open to the public to be accessible to the disabled.
ADA
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.
Public accommodation
A modification is _______________ if it can be accomplished without much difficulty or expense.
Readily achievable
The _______________ of real estate brokers are included in the definition of public accommodations under the ADA.
Professional offices
T/F: A seller may ask whether a prospective buyer is a member of a protected class in order to avoid inadvertent discrimination.
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.
T/F:
A landlord with a policy against allowing pets must still allow a blind tenant to have a seeing-eye dog.
True
Landlords must make reasonable accommodations when requested by disabled tenants, such as making exceptions to allow the use of a service animal.
T/F: Arbitrary discrimination by businesses is legal as long as it does not affect members of a protected class.
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.
Discriminatory behavior by a real estate agent may subject the agent to discipline under the real estate license law.
True
The antidiscriminatory provisions of the real estate license law supplement the requirements of other antidiscrimination laws.
T/F: The Housing Financial Discrimination Act is intended to limit the practice of redlining.
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.
T/F: Testers do not have the right to sue for discrimination.
False
Testers and fair housing organizations that investigate discrimination may be entitled to sue and recover damages from the party responsible for the discrimination.
T/F: Unreasonably restricting permits for multi-family or low-income housing can be considered discriminatory.
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.
T/F: The types of models used in advertising are not relevant to discrimination.
False
Using white models exclusively could be the basis for a discrimination lawsuit
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.
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.
T/F: Disparate impact means that a law affects a protected class more heavily than it does other classes.
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
T/F: Discrimination can include unequal access to membership in a multiple listing service.
True
Denial of membership or unequal access to MLS services is a form of discrimination if based on race or another protected class.
T/F: The only recognized form of discrimination in lending is redlining.
False
Discrimination in lending might involve different application fees, finance charges, or foreclosure and underwriting procedures.
T/F: UNREASONABLY RESTRICTING PERMITS FOR MULTI-FAMILY OR LOW-INCOME HOUSING CAN BE CONSIDERED DISCRIMINATORY
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
