Ch 7: Other Fair Housing Agencies Issues

Question 1

What is the mission of the Office of Fair Housing and Equal Opportunity?

Answer 1

The mission of the FHEO is to create, administer, and enforce fair housing laws to ensure all Americans have equal access and opportunity to housing without being discriminated based on race, color, religion, sex, national origin, disability, and familial status.

Question 2

What is the primary function of the Fair Housing Assistance Program (FHAP)?

Answer 2

The FHAP provides funding on a noncompetitive basis to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act.

Question 3

What entity is an independent agency created by Congress that maintains the stability and public confidence in the nation’s financial system by insuring deposits, examining and supervising financial institutions, and managing receiverships?

Answer 3

The Federal Deposit Insurance Corporation (FDIC)

Question 4

What agency is a consortium of more than 220 private, non-profit fair housing organizations, state and local civil rights agencies, and individuals?

Answer 4

National Fair Housing Alliance (NFHA)

Question 5

What types of people does the Federal Fair Housing Act protect?

Answer 5

The Federal Fair Housing Act protects prospective renters, current tenants, and homeowners from housing discrimination.

Question 6

Identify at least two groups not protected under the Fair Housing Act, but that may be covered by laws in some states.

Answer 6

Housing Discrimination Based on Source of Income or Rental Assistance

Housing Discrimination Based on Military Status

Housing Discrimination Based on Domestic Violence, Sexual Abuse, and Stalking

Question 7

When does exclusionary discrimination occur?

Answer 7

Exclusionary discrimination occurs during the process of searching for a house to rent or buy.

Question 8

Who is usually the offender in cases of non-exclusionary discrimination?

Answer 8

Offenders are typically landlords or neighbors who harass and essentially create a distressing environment for renters or owners.

Question 9

What is redlining?

Answer 9

Redlining is the practice of denying or limiting financial services to specific residents or neighborhoods, usually based on race or income.

Question 10

What is another term given to the practice of blockbusting?

Answer 10

Panic Peddling

Question 11

What is the impact of racial steering?

Answer 11

The practice of racial steering lowers the demand for housing in predominantly minority neighborhoods. Since real estate is one of the largest sources of household wealth, this devaluation is a significant source of economic inequality.

Question 12

Who pays for a building modification that is not required by law?

Answer 12

The landlord may grant the modification request, but the disabled person is responsible for the cost. The landlord may also require the modification be removed when the resident vacates the property.

Question 13

What is the purpose of the Fair Housing Design Manual?

Answer 13

HUD created the Fair Housing Design Manual to assist designers, builders, and developers in understanding and conforming to fair housing design requirements.

Question 14

Under the Fair Housing Act, what is the allowable level change at a primary entrance between finished floors at an exterior entry landing?

Answer 14

The allowable level change is 1/2” between the finished floors.

Question 15

What is the most common method used to expose fair housing discrimination?

Answer 15

Testing

Question 16

What is the process called when HUD brings all parties together in an attempt to resolve a fair housing complaint?

Answer 16

Conciliation

Question 17

The practice of denying or limiting financial services to specific residents or neighborhoods, usually based on race or income is called:

Answer 17

redlining

Question 18

Whose mission is to increase homeownership, support community development, and increase access to affordable housing free from discrimination?

Answer 18

HUD

Question 19

A continuous, unobstructed path connecting accessible elements and spaces within a building or site that can be negotiated by a person with a disability who uses a wheelchair is called:

Answer 19

an accessible route.

Question 20

What program provides funding on a noncompetitive basis to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act?

Answer 20

The Fair Housing Assistance Program

Question 21

Who was sued in 2007 for using criteria to grant student loans that created an adverse impact on students attending schools with higher minority populations?

Answer 21

Sallie Mae

Question 22

What Act protects prospective renters, current tenants and homeowners from housing discrimination?

Answer 22

The Federal Fair Housing Act

Question 23

What occurs when a lender or insurer targets minorities to offer them the most expensive loan products?

Answer 23

Reverse redlining

Question 24

The main federal agency tasked with the challenge of enforcing fair housing laws and protecting individuals from housing-related discrimination is called:

Answer 24

the Office of Fair Housing and Equal Opportunity (FHEO).

Question 25

The Fair Housing Act requires that new construction of covered multifamily dwellings comply with:

Answer 25

the Fair Housing Act’s design and construction requirements.

Question 26

A business practice where real estate agents and building developers convinced white property owners to sell their houses at low prices out of fear that black people would move into the neighborhood was called:

Answer 26

blockbusting.

Question 27

What is the process by which organizations obtain, improve, and retain the skills, knowledge, tools, equipment and other resources needed to do their jobs?

Answer 27

Capacity building

Question 28

What term refers to a group of people who have differences and similarities in biological traits deemed by society to be socially significant, meaning that people treat other people differently because of them?

Answer 28

Race