Chapter 4 - Fair Housing Flashcards
What are the two types of discrimination
Due to different treatment
Due to different impact
Disparate treatment
Behaving differently towards someone because they are a member of a certain protected class.
Disparate impact is also known as what
Discriminatory effect
Discrimination by different impact
Can occur when a policy or procedure has a different impact on persons of a protected class.
Protected classes
Race
Color
Religion
National origin
Sex
Familial status
Handicap or disability
Disability
Physical or mental impairment
The term handicap is used where?
In fair housing laws
Modification
Physical changes made to an apartment or common area
Reasonable accomodations
Changes to rules, policies, practices or services.
Is the American with Disabilities Act a fair housing law?
No. It addresses protection for disabled individuals.
What are the five titles of the ADA
Employment - covers employers with more than 15
Public services - this section isn’t applicable to the apartment industry under most circumstances
Telecommunications - covers telephone relay services. Relays to mainly hearing and sows how impaired
Miscellaneous provisions - prohibits retaliation or coercion against anyone seeking rights under the ADA
ADA primarily applies to what parts of the community
Leasing office, Clubrooms, business centers
What parts of the community fair housing laws pertain to?
Common areas and the actual apartment home.
Owners can discriminate based on reasonable buildings criteria. What are some cause for rejection
Credit history
Income
Rental history
Eviction records
Criminal background
Social security number
ITIN
Identity manipulation fraud
The applicant alters some of his or her own info where it looks like it could be a type
Ex) SSN, altered DOB
Synthetic fraud
Applicant creates a fake identity by fabricating all info
Equal credit opportunity act
You cannot discriminate the applicants credit on the basis of
Race
Color
Religion
National origin
Sex
Marital status
Age
What is the difference between equal credit opportunity act and fair housing laws
ECO says you can’t discriminate based on age
What act was established in 1996
Fair credit reporting act
What does FCRA require
An adverse action notice
What act allows consumers to obtain a free credit report every 12 months
Fair and accurate credit transactions act of 2003
Which is not a protected class
Age