Chapter #21 Fair Housing And Ethical Practice

Question 1

EQUAL OPPORTUNITY IN HOUSING

Answer 1

-The civil right laws governing the real estate industry ensure that everyone has the opportunity to live where they choose.
-Failure to comply with fair house in laws is both a civi and a criminal violation and constitutes grounds for disciplinary action against a licensee.
-A licensee is prohibited from taking any listing or participating in any transaction in which the property owner seeks to discriminate based on race, color, ancestry, religion, national origin, sex, handicap, or familial status
-Violating provisions or restrictions of the Act or the rules can result in suspension, no renewal, or revocation of the violator’s license or censure, reprimand, or fine imposed by IDFPR.
-Many cities and villages in Illinois have their own fair housing laws, many of which are stricter then state or federal laws.

Question 2

FAIR HOUSING ACT 1968, prohibits discriminations based on

NATIONAL/FEDERAL

Answer 2

-race
-color
-religion
-sex- was added as a protected class in the community Development Act of 1974
-national origin
-disability, and-added in the 1998 amendment
-people with HIV/AIDS is considered a disability
-family status

Question 3

Who administers the Fair Housing Act?

Answer 3

The Department of Housing and Urban Development (HUD)

-A fair housing poster should be displayed in every real estate office.

Question 4

What does the HUD provides?

Answer 4

It provides specific definitions that clarify the scope of the Fair Housing Act.

Question 5

Familial Status refers to

Answer 5

Refers to the presence of one of more individuals who have not reached the age of 18 and who live with either a parent or guardian. In effect, the familial status revenue means that the act’s protections extend to families with children.
-Pregnant woman are familial status

Question 6

Exemptions to the Fair Housing Act
(There is never an exemption regarding race)

Answer 6

-Provider under a state or federal program designed to assist the elderly
-intended for and solely occupied by person 62yrs or older
-Deisgned to meet the physical

Question 7

Housing for Older Persons

Answer 7

-

Question 8

Americans With Disabilities Act..

Question 9

ADA and the Fair Housing Act..

Question 10

Reporting Violations, what is the time line to report a violation with HUD?

Answer 10

Any aggrieved person who believes illegal discrimination has occurred may file a complaint with HUD within one year of the alleged act. HUD may also initiate it own complaint

Question 11

FAIR HOUSING VIOLATION; (test)

Answer 11

Steering:Channeling prospective buyers or rent are

Blockbusting: Inducing or attempting to induce, for profit, any person to sell or rent property based on representations made regarding entry into the neighborhood of persons of a particular race, color, religion, sex or national origin

Redlining: Discriminating against anyone by a commercial lender in making a loan for buying, building, repairing, improving, or maintaining a dwelling or in the terms of such financing.

Question 12

The Illinois Human Rights Act

Question 13

The Illinois Human Rights Act Exceptions…

Question 14

Threats or Acts of Violence..

Question 15

IMPLICATIONS FOR REAL ESTATE LICENSEE

Question 16

PROFESSIONAL ETHICS
-Code of ethics

Answer 16

Refers to a high moral system of principles, rules, and standards that are based on personal values. They usually focus on two main aspects of the profession:

-The establish standards for integrity and competence in dealing with consumers of an industry’s service
-They define a code of conduct for relations within the industry and among its professionals.

Golden rule

Question 17

Under the Fair Housing Act, which action is legally permitted?

Question 18

Encouraging people to sell or rent their homes by claiming that entry of a protected lass of people into the neighborhood will have a negative impact on property values contitutes

Question 19

The federal Fair Housing Act prohibits discrimination in housing based on

Question 20

During a listing presentation, a real estate licensee said to the seller, who owned two residential properties, “I hear a family of those people are moving in, and you’d better put your house on the market before values drop! Has the licensee violated any fair housing law?

Question 21

Civil Rights Act of 1866

Answer 21

All Citizens of the United States shall have the same right, in every state and territory, as is enjoyed by the white citizens thereof t inherit, purchase, lease, sell,

-There are no exceptions to the Civil Right Act of 1866

Question 22

Fair Housing Exemptions
When a Real Estate Licensee is NOT involved
The federal fair housing act defines four specific expeditions that affect all protected classes except race:

Answer 22

Single family housing
Owner occupied building
Housing operated by organization
Housing operated by private clubs

Question 23

Exemptions *Cant do if real estate agent involves

Answer 23

Owner occupied
-5 Units of less
-Can’t run discrimination ads
-No discriminations on face EVEr

Question 24

The ones Illinois protected

MAMAS OOPS

Answer 24

Marital Status
Ancestry
Military status
Age
Sexual Preference

Order
Of
Protection
Status

Question 25

LOCAL LAWS AND ORDINACES

Answer 25

-Fair housing and protected classes -Apartment licensing, landlord education and inspection -Criminal-background checks

Question 26

PROHIBITED ACTS

Answer 26

-Refusing to rent or sell residential property after receiving a good faith offer. -Refusing to negotiate for the sale or rental of residential. -Discrimination in the terms or conditions of any sale or rental of residential property or in providing any services or facilities in connection with such property. -Using discriminatory advertising that indicates a limitation or preference based on race, color, national origin, religion, sex, familial status, or handicap.

Question 27

PROHIBITED ACTS- continued

Answer 27

Denying