Chapter 4: Fair Housing

Question 1

Attorney General Memorandum

Answer 1

Written statement about Fair Housing Law to be presented to buyers & sellers.

Question 2

Blockbusting

Answer 2

The Illegal practice of inducing homeowners to sell their property by making representations regarding the entry or prospective entry of minority persons in the neighborhood.

Question 3

Civil rights act of 1866

Answer 3

The efforts of the Federal Government to guarantee equal housing opportunities to all US Citizens.

Question 4

Department of Housing and Urban Development (HUD)

Answer 4

Federal Agency enforcing civil rights complaints

Question 5

Federal Fair Housing Act

Answer 5

Federal Law setting many protected classes with some exceptions. It only covers residential real estate.

Question 6

Protected Classes of the Federal Fair Housing

Answer 6

RACE
COLOR
RELIGION
SEX
HANDICAP
FAMILIAL STATUS
NATIONALITY

Question 7

Exemptions of Federal Fair Housing Act

Answer 7

The sale or rental of a single family home when the home is owned by an individual who does not own more than three homes. When an agent or broker is not used. Discriminatory advertising is no used.

Dwelling units owned by religious organizations may restrict people of the same religion if membership in the organization is not restricted on the basis of race, color, nationality, handicap or familial status.

A private club that is not open to the public may restrict rentals or occupancy as long as the lodgings are not operated commercially.

Question 8

NJ Law of discrimination

Answer 8

Includes all the Federal plus Source of Income. The NJ law covers ALL Real Estate.

Question 9

Exemptions to the NJ Law

Answer 9

Rentals. It allows rooms, apartments, or flats in certain types of housing to be restricted to members of one sex, religious based organizations and one owner occupant to discriminate except for race in the rental of a duplex or an up/down two family dwelling.

Question 10

Mount Laurel I & II

Answer 10

A judicial interpretation that requires local zoning boards to provide realistic opportunities for housing that low to moderate income households can afford.

Question 11

Protected Class

Answer 11

Specific group that must receive equal entrapment in housing .

Question 12

Reverse Discrimination

Answer 12

Also called benign discrimination. Housing discrimination, usually based on quotas, designed by a municipality to achieve a racial balance perceived as desirable.

Question 13

Steering

Answer 13

The illegal practice of channeling home seekers to a particular area for discriminatory ends.

Question 14

Tester

Answer 14

Members of civil rights and neighborhood organizations, often volunteers, who observe real estate offices to access compliance with fair housing laws.

Question 15

Title VIII

Answer 15

Section of federal civil rights acts covering housing.