Chapter 3 - Fair Housing

Question 1

***Who are the protected classes in the FHA -FAIR HOUSING ACT

Answer 1

** R C R S H F N (Realtors can really sell houses fast now)
Race
Color
Religion
Sex (not sexual orientation)
Handicap
Familial status or disability
National origin

Question 2

***The rental of rooms or units in a owner-occupied building of no more than FOUR units is ______ from the Fair Housing Act

Answer 2

EXEMPT

Question 3

***The FAIR HOUSING ACT (FHA) protects families w/children. The HOUSING FOR OLDER PERSONS ACT (HOPA) provides that certain properties CAN BE restricted to occupancy by older persons. Housing intended for persons age_______or older or housing occupied by at least one person ______ or older per unit (where 80% of the units are occupied by individuals 55 or older) is exempt from the familial status protection.

Answer 3

62 or older

at least one person 55 or older per unit.

Question 4

***AMERICANS WITH DISABILITIES ACT (ADA) IS

Answer 4

Requires that employers, including real estate professionals, make reasonable accommodations that enable an individual with a disability to perform essential job functions. (includes making the work site accessible). THE PROVISIONS OF THE ADA APPLIES TO ANY EMPLOYER WITH 15 OR MORE EMPLOYEES.

Question 5

***BLOCKBUSTING is?

Answer 5

The act of encouraging people to sell or rent their homes by claiming that the entry of a protected class of people into the neighborhood will have some sort of negative impact on property values. (it’s illegal)

Question 6

***STEERING is?

Answer 6

The channeling of homemakers to particular neighborhoods or discouraging potential buyers from considering some areas. (it’s illegal)

Question 7

***Advertisements of property for sale or rent ____ ____ include language indicating a preference or limitation

Answer 7

MAY NOT

Question 8

***REDLINING is?

Answer 8

The practice of refusing to make mortgage loans or issue insurance policies in specific areas for reasons other than the economic qualifications of the applicants. (it’s illegal)

Question 9

***EXEMPTIONS from the FHA (but not the Civil Rights Act of 1866) include:

Answer 9

• **-Rentals in Owner-occupied buildings with no more than 4 units.
• Housing operated by organizations and private clubs that limit occupancy to members; and
• The sale or rental of a single-family home when fewer than 3 homes are owned by an individual, discriminatory advertising is not used, and a real estate professional is not involved in the transaction.

Question 10

***HUD (Department of Housing and Urban Development) enforces the FHA. A complaint must be brought within______ of the alleged act of discrimination.

Answer 10

ONE YEAR

Question 11

***Complaints brought under the Civil Rights Act of 1866 are taken directly to…

Answer 11

FEDERAL COURTS.

Question 12

**Describe the Supreme Court’s decision in the case of JONES v. ALFRED H. MAYER COMPANY…

Answer 12

RACIAL DISCRIMINATION IS PROHIBITED by ANY party in the sale or rental of real estate.

Question 13

**Is it Legal to require a person with a disability to establish an escrow account for the costs to restore a property after it ha been modified?

Answer 13

YES