Glossary Ch. 8-12

Question 1

State agency designated with rotecting Californians from housing, employment, and public accomodation discrimination.

Answer 1

Department of Fair Employment and Housing

Question 2

Housing intended for individuals 55 or 62 years of age or older.

Answer 2

Senior Citizen Housing

Question 3

Unequal treatment given to members of a protected class of individuals.

Answer 3

Discriminatory Practices

Question 4

Actions which are not openly discriminatory but yeild discriminatory results.

Answer 4

Implicit Discrimination

Question 5

Failure to provide financing or insurance in certain communities based on the demographics of that community.

Answer 5

Redlining

Question 6

A 1974 federal enactment prohibiting lenders from discriminating against borrowers from a protected class.

Answer 6

Equal Credit of Opportunity Act

Question 7

A private agency which collects and reports information regarding an individual’s credit history.

Answer 7

Credit Reporting Agency

Question 8

A regulatory scheme requiring lenders to publically release loan data.

Answer 8

Home Mortgage Disclosure Act (HMDA)

Question 9

Percentage of monthly gross income that goes toward paying debt.

Answer 9

Debt-to-Income (DTI) Ratio

Question 10

A collection of policies designed to prevent discrimination in the access to housing based on an occupant’s inclusion in a protected class.

Answer 10

Federal Fair Housing Act (FFHA)

Question 11

A building occupied or designed to be occupied as a residence by one or more families.

Answer 11

Dwelling