Fair Housing

Question 1

Civil Rights Act of 1866

Answer 1

An act that guarantees property rights to all citizens regardless of race

Question 2

Civil Rights Act of 1964

Answer 2

An act that prohibited discrimination in programs receiving federal financial assistance, but had little impact in the housing market

Question 3

Equal Housing Opportunity Poster

Answer 3

A poster required to be displayed in brokerages, mortgage companies, and new home sites; Lack of one was considered evidence of discriminatory practice

Question 4

Equitable Title

Answer 4

The vendee has the right to occupy the property and has all the rights and obligations of ownership

Question 5

Fair Housing Act of 1968

Answer 5

Bans discrimination on the basis of race, color, religion, and national origin in most types of housing transactions; in 1974, the 1968 Act was amended to include the ban on discrimination on the basis of gender

Question 6

Jones v. Mayer

Answer 6

A 1968 landmark case banning discrimination based on race in the sale of housing

Question 7

Plessy v. Ferguson

Answer 7

Infamous Supreme Court ruling, which held that the enforcement of racial segregation of private or public facilities did not violate the U.S. Constitution as long as the separate facilities were equal

Question 8

Promissory Note

Answer 8

A promise by the maker of the note to pay a specified amount in accordance with specific terms by a certain date

Question 9

Subordination Clause

Answer 9

The lender will agree to a lesser position of security and allow another person/lender to place a lien in front of the original lender’s lien

Question 10

Blockbusting

Answer 10

An illegal practice of inducing panic selling in a neighborhood for profit, based on the introduction of minority homeowners into a neighborhood

Question 11

Department of Housing and Urban Development

Answer 11

Provides assistance for housing and community development; insures mortgages and promotes and enforces equal housing opportunity

Question 12

Familial Status

Answer 12

One or more individuals (under age of 180) living with either a parent or legal guardian, or a designee holding written permission of a parent or legal guardian for the child or children to live with him or her

Question 13

Handicapped Person

Answer 13

One ho has a physical or mental impairment which substantially limits one or more of such person’s major life activites

Question 14

Redlining

Answer 14

Mortgage credit discrimination based upon the density of minorities in a geographic area

Question 15

Steering

Answer 15

Illegal practice of directing certain persons into or out of areas that are not integrated