Fair Housing

Question 1

Attorney General’s Memorandum

Answer 1

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

Question 2

blockbusting

Answer 2

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

aka panic peddling

Question 3

Civil Rights Act of 1866

Answer 3

law that prohibits any type of discrimination based on race and color

Question 4

Department of Housing and Urban Development (HUD)

Answer 4

one of the executive departments of the U.S. federal government that administers federal housing and urban development laws.

Question 5

Federal and Fair Housing Act of 1968

Answer 5

prohibited discrimination concerning the sale, rental and financing of housing based on race, religion, national origin or sex.

Question 6

Law Against Discrimination

Answer 6

New Jersey’s law listing protected classes for fair housing practice

Question 7

Mount Laurel I and II

Answer 7

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

Question 8

protected class

Answer 8

specific group that must receive equal treatment in housing

Question 9

redlining

Answer 9

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

refuse (a loan or insurance) to someone because they live in an area deemed to be a poor financial risk

Question 10

reverse discrimination

Answer 10

a term used to describe actions or efforts that have been made to reverse the negative effects of racism and other forms of discrimination

Question 11

steering

Answer 11

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

Question 12

tester

Answer 12

member of a civil rights/neighborhood organization, who observe real estate offices to assess compliance with fair housing laws

Question 13

Title VIII

Answer 13

prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, because of race, color, religion, sex (including gender identity and sexual orientation), familial status, national origin, and disability.

requires that all federal programs relating to housing and urban development be administered in a manner that affirmatively furthers fair housing.

Question 14

Jones v Mayer

Answer 14

Supreme Court case that established that there is zero tolerance for racial discrimination in real estate

Question 15

Equal Housing Opportunity Poster

Answer 15

a poster that features the equal housing opportunity slogan that must be displayed in all broker’s offices

Question 16

disparate impact/disparate treatment

Answer 16

a policy or practice that seems to be neutral, but may disproportionately impact a certain group of people

Ex: lenders requiring full time employment, excluding those receiving public assistance

Question 17

administrative law judge

Answer 17

executive judges for official and unofficial hearings of administrative disputes in the Federal government.

Question 18

Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015

Answer 18

the law that requires federal agencies to make annual adjustments to civil monetary penalty for inflation

Question 19

What are the protected classes for housing under NJ law?

Answer 19

1. race
2. religion
3. nationality, ancestry
4. sex, gender identity/expression
5. marital status
6. familial status, pregnancy
7. actual/perceived physical/mental disability
8. source of lawful income used for mortgage/rent
9. liability for service in the Armed Forces of the US

Question 20

What are prohibited activities under the Law Against Discrimination?

Answer 20

1. refusing to sell, rent, lease as a means of discrimination
2. for licensees, refusing to offer property/negotiate transactions as a means of discrimination
3. changing terms of a transaction or offering special services as a means of discrimination
4. being involved in any expression of any limitations based on discrimination

Question 21

what are exceptions to the NJ Law Against discrimination

Answer 21

the ONLY exceptions apply to rentals
1. single-sex dormitories
2. one religion for religious organizations
3. owner-occupant of a duplex can discriminate

Question 22

Code for Equal Opportunity

Answer 22

a code set forth by the National Association of Realtors to set standards of conduct and pledge to offer equal service to all persons

Question 23

multiple dwelling reporting

Answer 23

a report for developments of 25 or more apartments filed annually to disclose racial composition of the tenants as well as methods of advertising

Question 24

HUD/NAR Fair Housing Partnership

Answer 24

founded on the principle of focusing attention on achieving fair housing through local community initiatives

Question 25

Declaration of Fair Housing Principles

Answer 25

a declaration created by NAR and HUD to promote fair housing to the public

Question 26

Voluntary Affirmative Marketing Agreement

Answer 26

an agreement that outlines a program of voluntary compliance in which REALTORS voluntarily agree to certain programs to expose all people to equal housing opportunity

Question 27

Affirmative Fair Housing Marketing Plans

Answer 27

a marketing plan designed to attract buyers and renters of all majority and minority groups regardless of race, religion, color, national origin, sex, disability and familial status

Question 28

licensees must take special care that their ads do not include________

Answer 28

any discriminatory language

Question 29

civil monetary penalty

Answer 29

a fine imposed on entities that violate certain laws and regulations