Federal Fair Housing Laws Flashcards

1
Q

Federal Fair Housing laws began with the _____ ______ ___ of ____ which was passed right after the Civil War. This act prohibits discrimination in the housing market based on race, _______ _________.

A

Civil Rights Act of 1866
without exception

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
2
Q

This law prohibits any type of discrimination based on race. This act
and the Civil Rights Act of 1968, are especially important in the area of fair housing as it pertains to real estate.

A

Civil Rights Act of 1866

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
3
Q

This order was issued by President Kennedy on November 20, 1962,
because of urging by the United States Commission on Civil Rights that housing was the only commodity in America which was not available on equal terms to anyone who could afford it. The order banned discrimination in all federal departments, for example, discrimination in housing funded by FHA or VA
loans.

A

Executive Order No. 11063

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
4
Q

This law specified that discrimination against individuals based upon race, color, religion, sex or national origin were prohibited. It covered discrimination in public accommodations, facilities and education along with equal employment opportunity.

A

The Civil Rights Act of 1964

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
5
Q

The ____ _______ ___ of ____: The 1968 Civil Rights Act, containing within its provisions the Federal Fair Housing Act, Title VIII, specifically inaugurated a national policy of fair housing. It forbade
discrimination in the sale, rental, and financing of housing, and in the provision of brokerage services, on
the basis of ____, _____, ________, or ___________.

A

The Fair Housing Act of 1968
race, color, religion, or nationality

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
6
Q

____ _________ to The ____ _______ ___: Congress amended Title VIII to institute the use of an _____ ___________ ______, which is required to be displayed in all sales and rental offices in a conspicuous
location

A

1972 Amendment to the Fair Housing Act
equal opportunity poster

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
7
Q

In ____, the Housing and Community Development Act adds ___ as a protected class.

A

1974
sex

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
8
Q

____ Amendment to The Fair Housing Act: This amendment prohibits discrimination in the sale, rental, and financing of dwellings, and in other housing-related transactions, based on race, color, national origin, religion, sex/gender, handicap,or familial status including pregnant women; children under the age of 18 living with parents or legal custodians; and people securing custody of children under the age of 18.

A

1988 Amendment to the Fair Housing Act

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
9
Q

________ ______is defined as one or more individuals who have not reached the age of 18 being domiciled with a parent or another person who has or is seeking legal custody. It also includes a person
who is pregnant. Unless the property meets the standards for exemption as “housing for older persons” all properties must be made available under the same terms and conditions as are available to all other persons.

A

Familial status

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
10
Q

_______ for _____ _______:While the Fair Housing Act protects families with children, certain properties can be restricted for occupancy by the elderly. Housing occupied solely by persons age 62 or older or housing occupied by at least one person 55 years or older per unit is exempt from familial status protection.

A

Housing for older persons

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
11
Q

________ or __________ is defined as a physical or mental impairment or having a history of such impairment that substantially limits one or more of a person’s major life activities. It does not include the current illegal use of or addiction to a controlled substance. However, a person in an addiction recovery program is protected. Individuals who have AIDS are protected under the handicap classification.A person who has a history of mental illness but is recovered, is still protected under the handicapped class.

A

Handicap
Disability

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
12
Q

_______ to ______ ____ - ________
A tenant may make changes to their unit to accommodate their handicap. However, they must do so at their own expense and must put the unit back in its original condition when vacating

A

Changes to Rental Unit-Handicap

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
13
Q

may be closely tied to national origin or religious discrimination. Licencees must apply non-discriminatory screening procedures to all persons regardless of immigration status.

A

Citizen Status

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
14
Q

The Eight Protected Classes
HInt: FRESH CORN

A

Familial status
Race
Equal
Sex Gender/Sexual Preference
Handicapped
Color
Opportunity
Religion
National origin
Combine E & O for Equal Opportunity

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
15
Q

This practice involves inducing panic selling for financial gain by insinuating that a minority group is moving into the area. It also called panic peddling, involves stating or insinuating that by minority-group invasion of the neighborhood, property values will fall.

A

Blockbusting

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
16
Q

Refers to channeling home seekers to, or away from, particular areas, based on
race, color, religion, sex, or nationality. It includes trying to exclude minority groups from a certain area plus trying to direct them toward minority neighborhoods. This is the reason for most of the fair
housing complaints filed against people in the real estate business.

A

Steering

17
Q

Refusing to make loans or issue insurance policies within certain areas that are
considered to be bad risk areas, regardless of the borrower’s ability to repay the loan. The Home Mortgage Disclosure Act of 1976, prohibits this and also sets up a monitoring procedure for lenders requiring disclosure of loan activity by neighborhood.

A

Redlining

18
Q

No promotion of property for sale or rent may include language indicating a preference or limitation.

A

Advertising

19
Q

Appraisals or statements of value may not give consideration to race, color, religion,
national origin, sex, handicap or familial status when arriving at a value.

A

Appraising

20
Q

_____ _______ _____ - Equal Housing Opportunity logo poster must be posted with the agent’s license.

A

Equal Housing Poster

21
Q

ECOA prohibits discrimination based on race, color, religion, national origin, sex, marital status or age in the granting of credit. This act protects more classes of person than the Fair Housing Act. It also includes marital status and age. It also prevents lenders from discriminating against recipients of public assistance
programs such as food stamps and Social Security.

A

Equal Credit Opportunity Act

22
Q

_________ with ____________ ___: This act addresses the rights of individuals with disabilities in employment and public accommodations. Title I of the ADA requires employers to make reasonable accommodations that enable a disabled person to perform essential job functions, such as making the work site accessible, restructuring a job, providing part time or flexible work schedules and modifying equipment that is used on the job. Title III of the ADA provides for accessibility to goods and services for individuals with disabilities.

A

Americans with Disabilities Act

23
Q

A violation of the Fair Housing Law is:
a. a criminal act
b. punishable only if damages occur
c. a misdemeanor
d. punishable by a $5000 fine

A

c. A misdemeanor

24
Q

Is a person with a mental illness who is completely cured covered by the Civil Rights Act of 1968?
a. no, because this law does not address disabilities.
b. no, because this law covers only those currently disabled.
c. yes, because the law covers everyone.
d. no, because the law only covers familial status and sex.

A

c. Yes, because the law covers everyone

25
Q

To protect himself from Fair Housing suits, an agent should:
a. keep accurate records of what property he shows to whom.
b. charge a reduced commission for minority clients.
c. refuse to take minority clients.
d. be extra careful when showing property to minority clients.

A

a. Keep accurate records of what property he shows and to whom

26
Q

A housing complex with 80% of the units occupied by a person 55 or older would be exempt from renting to which protected class?
a. sex b. marital status
c. familial status d. national origin

A

c. Familial status

27
Q

The Civil Rights Act of 1866 prohibits discrimination based on:
a. sex b. color
c. race d. national origin

A

c. Race

28
Q

A Hispanic couple asks you to find them a house to buy. You proceed to show them property only in neighborhoods occupied by predominantly Hispanic families. This is an example of:
a. blockbusting b. steering
c. redlining d. puffing

A

b. Steering

29
Q

Which group is not protected by fair housing laws?
a. families with children under 18
b. persons 55 or older
c. alcoholics
d. illegal drug users

A

d. Illegal drug users

30
Q

A handicapped tenant may make reversible changes to a structure if:
a. the owner agrees
b. he does so at his own expense
c. other tenants can do the same
d. the building is designated for handicaps

A

b. He does it at his own expense.

31
Q

If a complaint is filed against a property manager for discrimination, the complaint is filed with:
a. HUD
b. NAR
c. Board of Realtors
d. Board of Complaints

A

a. HUD

32
Q
  1. Who may be exempt from the Fair Housing Act of 1968?
    a. brokers
    b. salespersons
    c. property managers
    d. unlicensed owners
A

d. unlicensed owners