Fair Housing

Question 1

What does the Civil Rights Act of 1866 prohibit?

Answer 1

The act prohibits any discrimination based on race in the sale or rental of all property.

Question 2

What classifications are protected under the Fair Housing Act of 1968?

Answer 2

FRESH CORN

Familial Status
Race
E
Sex
Handicap/Disability

Color
O
Religion
National Origin

Question 3

T/F Under the Fair Housing Act, landlords can’t refuse rent from a family based on zoning.

Answer 3

False. Landlords CAN REFUSE to rent to a family based on zoning. For example, could refuse to rent a one-bedroom unit to a four-member family.

Question 4

In 1988, what 2 protections were added under the Fair Housing Act?

Answer 4

1. Any family with dependent children under 18 years.

2. Protection of those with HIV or AIDS.

Question 5

What classifications are not protected under the Fair Housing Act?

Answer 5

Sexual Orientation
Age
Marital Status
Occupation

Question 6

When can senior housing refuse occupancy to family with children?

Answer 6

If the senior housing has at least 80% of the units occupied by at least one person aged 55 or older.

Question 7

T/F All forms of advertising must be in compliance with the Fair Housing Act.

Answer 7

True

Question 8

What circumstances can an owner of a rental unit discriminate?

Answer 8

1) If the rental is a single family home.

2) If the rental is 4 units or less and the owner lives in one of the units.

Question 9

How are religious organizations exempt from the Fair Housing Act?

Answer 9

Religious organizations can give preference to their members for other than commercial purposes but they still can’t discriminate based on race, color, or national origin.

Question 10

T/F It is acceptable to advertise in local neighborhood newspapers or websites that may cater to a protected class, as long as no preferential language is used.

Answer 10

True.

Question 11

What is steering?

Answer 11

Channeling potential buyers to or away from particular areas as a means of discrimination.

Question 12

What is blockbusting?

Answer 12

Suggesting neighbors should sell because a group of a particular ethnic background has moved into the area.

Question 13

What is another name for blockbusting?

Answer 13

Panic Selling

Question 14

What is red lining?

Answer 14

Refusing to offer or limiting loans in certain areas because of crime rates or the ethnic background of its residents.

Question 15

What is a disability?

Answer 15

Any physical or mental impairment that substantially limits one or more major life activities.

Question 16

Are alcoholics and drug addicts protected under Fair Housing?

Answer 16

Only if they are seeking treatment.

Question 17

T/F Landlords can refuse disabled tenants from making changes to the unit.

Answer 17

False. Landlords MUST ALLOW disabled tenants to make changes but the tenant needs to return the unit back to its original state.

Question 18

T/F Landlords can deny rent to disabled tenants who have a history of violence.

Answer 18

True

Question 19

What is Megan’s Law?

Answer 19

Requires the registration of sex offenders.

Question 20

If a person feels they have been treated unfairly, how much time do they have to file a complaint?

Answer 20

Within 1 year if you file with HUD (housing and urban development) or within 2 years if you file directly in federal court.

Question 21

What is the purpose of Equal Credit Opportunity Act?

Answer 21

To make consumer credit available with fairness and impartiality. If applicants meet the qualifying requirements, their membership in a protected class should have no bearing on their approval.

Question 22

Under ECOA, what protected classes are added?

Answer 22

MAP

Marital Status
Age
Public Assistance

Question 23

What is the Americans with Disabilities Act (ADA)?

Answer 23

It ensures equal access to public accommodations, any private entity with facilities open to the public, for disabled persons.

Question 24

T/F Under ADA, landlords must pay for modifications of their disabled tenants.

Answer 24

False. Disabled residential tenants can make modifications AT THEIR EXPENSE. But they must return the unit to its original condition.