Chapter 4: Fair Housing

Question 1

written statement about Fair Housing laws to be presented to buyers and sellers

Answer 1

Attorney General’s Memorandum

Question 2

the illegal practice of inducing homeowners to sell their property by making representations regarding the entry or prospective entry of minority persons into the neighborhood

Answer 2

blockbusting/panic peddling

Question 3

federal law; protected classes are race and color, no exceptions

Answer 3

Civil Rights Act of 1866

Question 4

federal agency enforcing civil rights compliance

Answer 4

Department of Housing and Urban Development (HUD)

Question 5

federal law setting many protected classes; some exceptions

Answer 5

Federal Fair Housing Act of 1968

Question 6

NJ’s law listing protected classes for fair housing practice

Answer 6

Law against Discrimination

Question 7

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

Answer 7

Mount Laurel I and II

Question 8

specific group that must receive equal treatment in housing

Answer 8

protected class

Question 9

the illegal practice of a lending institution’s denying loans or restricting their number for certain areas of a community

Answer 9

redlining

Question 10

housing discrimination, usually based on quotas, designed by a municipality to achieve a racial balance perceived as desirable

Answer 10

reverse discrimination (benign discrimination)

Question 11

the illegal practice of channeling home seekers to particular areas for discriminatory ends

Answer 11

steering

Question 12

member of the civil rights and neighborhood organizations, often volunteers, who observe real estate offices to assess compliance with fair housing laws

Answer 12

tester

Question 13

section of the federal Civil Rights Act covering housing

Answer 13

Title VIII