Chapter 3 Yellow Text--Fair Housing

Question 1

Administrative law judge (ALJ)

Answer 1

The official who presides over a hearing involving a government agency and someone affected by a decision of the agency. (Y43)

Question 2

The Civil rights Act of 1866

Answer 2

The law prohibits all racial discrimination in real estate transactions, with NO EXCEPTIONS! and was upheld in Jones v. Mayer in 1968.

The “Separate but Equal” doctrine.

Question 3

Plessy vs. Ferguson

Answer 3

1896 decision involved segregated railway cars, and upheld racial segregation in public facilities.

Question 4

The Fair Housing Act of 1968

Answer 4

prohibits specific discriminatory practices throughout the real estate industry.

Question 5

Title VIII of the Fair Housing Act of 1968 prohibits discrimination in housing based on

Answer 5

Race
Color
national origin
Religion
Sex
Familial status (families w/ children)
Disability

Question 6

HOPA

Answer 6

housing for older persons act
requires that 80% of occupied units have one person age 55 or older living in them.d

It is administered by The Department of Housing and Urban Development (HUD).

Question 7

Dwelling

Answer 7

any building or part of a building designed for occupancy as a residence by one or more families.

Question 8

Familial status

Answer 8

one or more individuals under the age of 18 living with a parent or guardian.

Question 9

ADA (Americans with Disabilities Act)

Answer 9

prohibits discrimination in employment and public accommodations.

Question 10

Blockbusting (or panic selling)

Answer 10

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 a negative impact on property values.

Question 11

Steering

Answer 11

the channeling of home seekers to particular neighborhoods or discouraging potential buyers from considering some areas.

Question 12

Redlining

Answer 12

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.

Question 13

Consiliation

Answer 13

the resolution of a complaint by obtaining assurance that the person against whom the complaint was filed (the respondent) will remedy any violation that may have occurred. This is enforced by HUD.

Question 14

Equal Opportunity in Housing

Answer 14

is intended to create a marketplace in which persons of similar financial means have a similar range of housing choices.

Question 15

Race

Answer 15

includes ancestral and ethnic characteristics including certain physical, cultural, or linguistic traits that are shared by a group with a common national origin.

Question 16

Disability

Answer 16

a physical or mental impairment that substantially limits one or more of an individual’s major life activities.

Question 17

HUD

Answer 17

enforces the Fair Housing Act.