Chapter 4 - Federal Fair Housing Flashcards
What are Federal Fair Housing Laws
In 1968 - set of laws created to protect from discrimination in sale, rental or advertising of residentail real estate
What are the 7 protected classes?
Race Color Religion Sex National Origin Handicap Familial Status
Handicap modificiations
Handicapped persons can modify a unit at their own expense
Familial Status
When can landlord say no?
Family of at least one adult with one or more kinds under 18
Landlord can say no to family because there aren’t enough bedrooms
Exemptions / Exceptions to Fair Housing Laws
Owner selling or renting own home is exempt if:
(All 3 are needed)
1) Owner doesn’t own more than 3 homes
2) Owner doesn’t use services of broker / agent
3) Owner doesn’t illegally discriminate
Exemptions / Exceptions to Fair Housing Laws
Owner leasing rooms in a ___ - ____ unit building
Tre of False: Owner must live there
1 - 4 unit building
Owner must live there, True
Exemptions / Exceptions to Fair Housing Laws
Religious Organizations
Provided they are limited to people of that religion and NOT COMMERCIALLY OPERATED
Exemptions / Exceptions to Fair Housing Laws
Country Clubs & Private Clubs
Can’t be commercially operated
Exemptions / Exceptions to Fair Housing Laws
Multi-family units built prior to ______
1992
Must have access to 1st floor
Exemptions / Exceptions to Fair Housing Laws
Retirement communities, everyone must be ___ or older
62
Illegal Practices include:
refusing to sell, rent, negotiate for illegal reasons (protected class)
Changing T’s&C’s after contract
Offering different T’s & C’s for a loan (differing conditions for different consumers)
Blockbusting
When owner is solicited to sell because a minority group is moving into neighborhood
Steering
When a buyer is directed to or from a certain area or community for illegal reasons
Redlining
Denying loan or restricting number of loans in an area illegaly
Who is always a protected class
Always race
1866 civil rights act
