Fair Housing

Question 1

What classes are protected by Federal Fair Housing Law?

Answer 1

Only covers residential real estate, NOT commercial.
-Race
-Color
-Religion
-National origin
-Sex
-Disability
-Familial status

Question 2

What classes are protected by NJ Statues, Law Against Discrimination & Fair Chance in Housing Act?

Answer 2

Covers BOTH residential and commercial.
-Ancestry
-Nationality
-Gender identity or expression
-Marital or Civil Union status or Domestic partnership
-Source of income
-Liability for services in the Armed Forces
-Criminal history (Fair Chance in Housing Act)

Question 3

What laws does New Jersey have to create an unbiased housing market?

Answer 3

-NJ Statues
-Law Against Discrimination
-Fair Chance in Housing Act (Criminal history)

Question 4

Reverse steering

Answer 4

When the buyer requests the agent to find a home in an area specific to a protected class.

Question 5

Who is the enforcing party for the NJ Law Against Discrimination?

Answer 5

The state’s attorney general.

Question 6

What is it called when a lender or insurance agent refuses to make mortgage loans or issue insurance policies in specific geographic areas?

Answer 6

Redlining

Question 7

Who is the enforcing party for federal discrimination cases?

Answer 7

Department of Housing and Urban Development (HUD)