Chapter 19: Fair Housing and Ethical Practices

Question 1

Americans with Disabilities Act (ADA)

Answer 1

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.

Question 2

blockbusting

Answer 2

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

Question 3

channeling

Answer 3

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.

Question 4

Civil Rights Act of 1866

Answer 4

A federal act that prohibits racial discrimination in the sale and rental of all real and personal property.

Question 5

code of ethics

Answer 5

A written system of standards for ethical conduct.

Question 6

Department of Housing and Urban Development (HUD)

Answer 6

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.

Question 7

Equal Credit Opportunity Act (ECOA)

Answer 7

The federal law that prohibits discrimination in the extension of credit because of race, color, religion, national origin, sex, age, or marital status.

Question 8

Federal Fair Housing Act

Answer 8

The federal law that prohibits discrimination in housing based on race, color, religion, sex, handicap, familial status, or national origin.

Question 9

North Carolina Fair Housing Act of 1983

Answer 9

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.

Question 10

North Carolina Human Relations Commission

Answer 10

The state agency responsible for enforcing the North Carolina Fair Housing Act

Question 11

Office of Fair Housing and Equal Opportunity (OFHEO)

Answer 11

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.

Question 12

panic peddling

Answer 12

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

Question 13

protected classes

Answer 13

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.

Question 14

redlining

Answer 14

The illegal practice of a lending institution denying loans or restricting their number for certain areas of a community.

Question 15

steering

Answer 15

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.