Chapter 19: Fair Housing and Ethical Practices Flashcards
Americans with Disabilities Act (ADA)
Federal act implementing regulations that protect citizens with mental or physical disabilities. Does not apply to residential housing but to commercial facilities and places of public accommodation.
blockbusting
The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular protected class into the neighborhood. AKA panic peddling
channeling
The illegal practice of channeling home seekers to particular areas, either to maintain the homogeneity of an area or to change the character of an area, which limits their choices of where they can live.
Civil Rights Act of 1866
A federal act that prohibits racial discrimination in the sale and rental of all real and personal property.
code of ethics
A written system of standards for ethical conduct.
Department of Housing and Urban Development (HUD)
A federal cabinet department active in national housing programs. Among its many programs are urban renewal, public housing, model cities, rehabilitation loans, FHA subsidies, fair housing enforcement, and water and sewer grants.
Equal Credit Opportunity Act (ECOA)
The federal law that prohibits discrimination in the extension of credit because of race, color, religion, national origin, sex, age, or marital status.
Federal Fair Housing Act
The federal law that prohibits discrimination in housing based on race, color, religion, sex, handicap, familial status, or national origin.
North Carolina Fair Housing Act of 1983
State fair housing law containing similar prohibitions to those of the federal fair housing law. Unlike the federal law, however, the North Carolina law does not exempt owners who are selling their own property, and it does exempt the rental of a unit in a one-unit to four-unit residential building if the owner or one of the owner’s family members lives in one of the units.
North Carolina Human Relations Commission
The state agency responsible for enforcing the North Carolina Fair Housing Act
Office of Fair Housing and Equal Opportunity (OFHEO)
The federal agency under the direction of the secretary of the Department of Housing and Urban Development, which is in charge of administering the Federal Fair Housing Act.
panic peddling
The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular protected class into the neighborhood AKA blockbusting
protected classes
Any group of people designated as such by statute in consideration of federal and state civil rights and lending legislation; currently includes familial status, marital status, age, race, gender, handicapping condition, color, religion, source of income, and national origin.
redlining
The illegal practice of a lending institution denying loans or restricting their number for certain areas of a community.
steering
The illegal practice of channeling home seekers to particular areas, either to maintain the homogeneity of an area or to change the character of an area, which limits their choices of where they can live.
