Fair Housing Flashcards
Attorney General’s Memorandum
written statement about Fair Housing Laws to be presented to buyers and sellers
blockbusting
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
Civil Rights Act of 1866
law that prohibits any type of discrimination based on race and color
Department of Housing and Urban Development (HUD)
one of the executive departments of the U.S. federal government that administers federal housing and urban development laws.
Federal and Fair Housing Act of 1968
prohibited discrimination concerning the sale, rental and financing of housing based on race, religion, national origin or sex.
Law Against Discrimination
New Jersey’s law listing protected classes for fair housing practice
Mount Laurel I and II
a judicial interpretation that requires local zoning boards to provide realistic opportunities for housing that low to moderate income households can afford
protected class
specific group that must receive equal treatment in housing
redlining
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
reverse discrimination
a term used to describe actions or efforts that have been made to reverse the negative effects of racism and other forms of discrimination
steering
the illegal practice of channeling home seekers to particular areas for discriminatory ends
tester
member of a civil rights/neighborhood organization, who observe real estate offices to assess compliance with fair housing laws
Title VIII
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.
Jones v Mayer
Supreme Court case that established that there is zero tolerance for racial discrimination in real estate
Equal Housing Opportunity Poster
a poster that features the equal housing opportunity slogan that must be displayed in all broker’s offices
disparate impact/disparate treatment
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
administrative law judge
executive judges for official and unofficial hearings of administrative disputes in the Federal government.
Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015
the law that requires federal agencies to make annual adjustments to civil monetary penalty for inflation
What are the protected classes for housing under NJ law?
- race
- religion
- nationality, ancestry
- sex, gender identity/expression
- marital status
- familial status, pregnancy
- actual/perceived physical/mental disability
- source of lawful income used for mortgage/rent
- liability for service in the Armed Forces of the US
What are prohibited activities under the Law Against Discrimination?
- refusing to sell, rent, lease as a means of discrimination
- for licensees, refusing to offer property/negotiate transactions as a means of discrimination
- changing terms of a transaction or offering special services as a means of discrimination
- being involved in any expression of any limitations based on discrimination
what are exceptions to the NJ Law Against discrimination
the ONLY exceptions apply to rentals
1. single-sex dormitories
2. one religion for religious organizations
3. owner-occupant of a duplex can discriminate
Code for Equal Opportunity
a code set forth by the National Association of Realtors to set standards of conduct and pledge to offer equal service to all persons
multiple dwelling reporting
a report for developments of 25 or more apartments filed annually to disclose racial composition of the tenants as well as methods of advertising
HUD/NAR Fair Housing Partnership
founded on the principle of focusing attention on achieving fair housing through local community initiatives
Declaration of Fair Housing Principles
a declaration created by NAR and HUD to promote fair housing to the public
Voluntary Affirmative Marketing Agreement
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
Affirmative Fair Housing Marketing Plans
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
licensees must take special care that their ads do not include________
any discriminatory language
civil monetary penalty
a fine imposed on entities that violate certain laws and regulations
