Chapter Five: Selling real estate

Question 1

What is the 1866 civil rights act?

Answer 1

It prohibits discrimination in the purchase, sale, lease or conveyance of real property on the basis of race and color. The case will go directly to federal court.

Question 2

The basic concept and goal of fair housing laws at the federal, state, and local levels is to prevent discrimination in housing and permit people to have an equal opportunity to live where they want to live.

True or False

Answer 2

True

Question 3

What is HUD?

Answer 3

The dept. of housing and urban development.

Created in 1968 Fair Housing Act.

Question 4

What are the current protected classes under the acronym Fresh Corn?

Answer 4

Familia      Color
Race          Opportunity 
Equality     Race
Sex            National Origin 
Handicap

Question 5

What is blockbusting?

Answer 5

Encouraging people to sell their homes using scare tactics, that a certain group of people or race is moving in.

Question 6

What is steering?

Answer 6

Encouraging, guiding or inducing people in some way to a certain location or to stay away from a certain area or neighborhood.

Question 7

What is redlining?

Answer 7

The discrimination in lending of mortgage money base on locations.

Question 8

What is the community reinvestment act of 1977?

Answer 8

Requires certain financial institution such as banks to reinvest in the neighborhood they are in through mortgages, home improvements and other types of loans.

Question 9

These are the historical additions to protected class.

The 1866 Civil Rights Act protected against?
The 1968 Federal Fair Housing Act added?
The 1974 Housing and Community Development Act protect against?
1988 Fair Housing Amendments Act protected?
The American with Disability Act of 1992 (ADA) expanded to?

Answer 9

1866-Color and race
1968-Color, race, religion and national origin
1974- Sex gender bais
1988- Handicapped include alcoholics and infected with Aids, Familia-status children present
1992- Access to public spaces

Question 10

What are two of the more common protected class granted by some states or local governments?

Answer 10

Marital status and sexual orientation

Question 11

If a local fair housing law and a federal housing law are different, which one applies?

A. The most common sense
B. Stricter
C. The last applied
D. The federal housing law

Answer 11

B. Stricter

Question 12

Which group is not protected by the federal
fair housing laws?

A. Sexual orientation
B. Religion
C. Handicapped
D. None of the above

Answer 12

A. Sexual orientation