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CALP > Chapter 4 - Fair Housing > Flashcards

Chapter 4 - Fair Housing Flashcards

1
Q

What are the two types of discrimination

A

Due to different treatment
Due to different impact

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2
Q

Disparate treatment

A

Behaving differently towards someone because they are a member of a certain protected class.

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3
Q

Disparate impact is also known as what

A

Discriminatory effect

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4
Q

Discrimination by different impact

A

Can occur when a policy or procedure has a different impact on persons of a protected class.

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5
Q

Protected classes

A

Race
Color
Religion
National origin
Sex
Familial status
Handicap or disability

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6
Q

Disability

A

Physical or mental impairment

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7
Q

The term handicap is used where?

A

In fair housing laws

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8
Q

Modification

A

Physical changes made to an apartment or common area

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9
Q

Reasonable accomodations

A

Changes to rules, policies, practices or services.

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10
Q

Is the American with Disabilities Act a fair housing law?

A

No. It addresses protection for disabled individuals.

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11
Q

What are the five titles of the ADA

A

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

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12
Q

ADA primarily applies to what parts of the community

A

Leasing office, Clubrooms, business centers

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13
Q

What parts of the community fair housing laws pertain to?

A

Common areas and the actual apartment home.

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14
Q

Owners can discriminate based on reasonable buildings criteria. What are some cause for rejection

A

Credit history
Income
Rental history
Eviction records
Criminal background
Social security number
ITIN

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15
Q

Identity manipulation fraud

A

The applicant alters some of his or her own info where it looks like it could be a type

Ex) SSN, altered DOB

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16
Q

Synthetic fraud

A

Applicant creates a fake identity by fabricating all info

17
Q

Equal credit opportunity act

A

You cannot discriminate the applicants credit on the basis of

Race
Color
Religion
National origin
Sex
Marital status
Age

18
Q

What is the difference between equal credit opportunity act and fair housing laws

A

ECO says you can’t discriminate based on age

19
Q

What act was established in 1996

A

Fair credit reporting act

20
Q

What does FCRA require

A

An adverse action notice

21
Q

What act allows consumers to obtain a free credit report every 12 months

A

Fair and accurate credit transactions act of 2003

22
Q

Which is not a protected class

A

Age

CALP (6 decks)

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