General - Chapter 6 Lesson 2 Flashcards
Licensees should refuse to do business with…
anyone who is unwilling to comply with the Fair Housing Act
Volation could be…
refusing to rent/sell, refusing to negotiate, taking action that would make residential property unavailable, discriminate in the terms or conditions of sale, include limits, deny access to MLS, lying that prop already sold,coercing, intimidating, threatening, loans worse options
linguistic profiling
seldom answering or responding to calls that are assumed to be form “protected class” members
Steering
directing buyers to or away from particular neighborhood based on protected class
blockbusting
inducing panic selling by warning homeowners about arrival of protected class
redlining
denying loans in particular neighborhood because of presence of protected class
buyer-directed steering
steering is prohibited even if requested by the prospective buyer or tenant
Office of Fair Housing and Equal Opportunity
responsible for the administration and enforcement of federal fair housing laws
Fair housing testing
compare access and treatment of homebuyers or renters
responses to reported violations of the Fair Housing Act may result in…
a HUD complaint, administrative hearing, vivil lawsuit, or Department of Justice action
HUD violation first attempt….
conciliation to obtain voluntary compliance
After court HUD may…
award damages, impose fine, issue injunction, send to US Attorney General, or recommend suspension or revocation
two years to…
file a civil lawsuit
exclusionary zoning laws
defined as any laws that have the effect of denying housing to minorities or other protected classes
Disparate intent
calculated decision to treat some people differently from others in a similar situation
Disparate impact
occurs when law or policy appears to be neutral on its face, but has a disproportionately adverse impact on a protected group
Affirmatively Furthering Fair Housing rule
mandate to not only refrain from discrimination but to take actions to overturn patterns of segregation that may limit access to housing opportunities based on race or socioeconomic factors
