Chapter 13

Question 1

What is significant about the Fair Housing Amendments Act of 1988?

Answer 1

It added disability and familial status to the list of protected classes.

Question 2

If a person feels like he or she has been discriminated against, how long does that person have to file a complaint?

Answer 2

With HUD – within one year of the alleged act
In state or federal court – within two years of the alleged act

Question 3

Americans with Disabilities Act

Answer 3

mandates that persons with disabilities have equal access to jobs, public accommodations, government services, public transportation, and telecommunications.

Question 4

blockbusting

Answer 4

aking a profit by inducing owners to sell by telling them that persons of a protected class are moving into the neighborhood which will have detrimental results, such as the lowering of the property values, an increase in criminal behavior,

Question 5

Steering

Answer 5

channeling homebuyers toward or away from homes in certain neighborhoods in order to preserve or alter the makeup of that neighborhood

Question 6

Redlining

Answer 6

Restricting the number of loans in certain areas of a community because of its racial or ethnic makeup.

Question 7

Fair Credit Reporting Act

Answer 7

requires that lenders:
Keep all credit information confidential.
Obtain authorization from a consumer in order to seek the customer’s credit information.
Reveal the sources of the credit information to the consumer.

Question 8

Home Mortgage Disclosure Act

Answer 8

requires financial institutions to maintain and disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications involving 1 to 4 unit and multifamily dwellings

Question 9

unruh civil rights act

Answer 9

provides protection from discrimination by all business establishments in California, including housing and public accommodations.

Question 10

holden act

Answer 10

prohibits financial institutions from discriminating in loan activities on the basis of race, color, religion, marital status, national origin, ancestry, or sex.

Question 11

panic selling

Answer 11

inducing someone to sell by saying that persons of a certain protected class are moving into the neighborhood.

Question 12

Civil Rights Act of 1866

Answer 12

prohibited discrimination in housing based on race.