Lesson 12

Question 1

A lender presents unusual requirements to a buyer planning to buy in a racially-mixed area. This may be an example of:

Answer 1

Redlining

Question 2

Threat for profit that a protected class is moving into an area is:

Answer 2

Blockbusting

Question 3

It is illegal for a lending institution to refuse to make a residential real estate loan in a particular area only because of the:

Answer 3

Physical location of the property

Question 4

All of the following would be permitted under the federal Fair Housing Act EXCEPT:

Answer 4

The owner of a 20-unit residential apartment building rents to men only

Question 5

Which practice is lawful under the federal Fair Housing Act?

Answer 5

Requiring all applicants to submit a credit report

Question 6

The prohibitions of the 1968 Fair Housing Act apply to single-family housing in all of these cases EXCEPT if;

Answer 6

The owner give his or her home to his or her child

Question 7

Which of the following is considered discriminatory under the federal Fair Housing Act?

Answer 7

Selling residential subdivision land only to Protestants

Question 8

If a mortgage lender discriminates against a loan applicant on the basis of marital status, what law is violated?

Answer 8

ECOA

Question 9

As a business practice, a manager may try to match her salesperson to the ethnic background of prospective buyers, This is:

Answer 9

Acceptable

Question 10

“I hear they’re moving in. There goes the neighborhood! Better put your house on the market before values drop!” This is an example of what illegal practice?

Answer 10

Blockbusting

Question 11

As a business practice, a manager may try to match her salesperson to the ethnic background of prospective buyers, This is:

Answer 11

Acceptable

Question 12

The Federal Fair Housing Act exempts from its requirements:

Answer 12

discriminating in the rental of rooms or units in a four-family dwelling where the owner actually resides in one of the units

Question 13

The act of directing home seekers toward or away from particular areas, either to maintain or to change the character of the neighborhood, is

Answer 13

Steering

Question 14

Under the federal Fair Housing Act, which of the following is exempt?

Answer 14

Religious organizations giving preference to their members in renting church-owned housing

Question 15

Which of the following is not regarded as a handicap?

Answer 15

Drug addiction

Question 16

All these agencies are primary sources of money for the secondary mortgage market EXCEPT:

Answer 16

the Department of Veterans Affairs (VA)

Question 17

All of the following are covered under the federal Fair Housing Act because of the definition of familial status EXCEPT:

Answer 17

housing projects intended fror occupancy solely by individuals 62 years of age or older.

Question 18

As a business practice, a manager may try to match her salesperson to the ethnic background of prospective buyers, This is:

Answer 18

Acceptable

Question 19

If a mortgage lender discriminates against a loan applicant on the basis of marital status, what law is violated?

Answer 19

ECOA

Question 20

If a mortgage lender discriminates against a loan applicant on the basis of marital status, what law is violated?

Answer 20

physical location of the property

Question 21

a real estate broker enters a neighborhood bordering a blighted area and, in good faith, offers owners a reduced commission rate if they list with the firm and the property is sold within 180 days. there is no mention of the blighted area. such practice is:

Answer 21

Acceptable

Question 22

Which of the following is an exemption to the Massachusetts Fair Housing Law?

Answer 22

Rental of a unit in an owner-occupied two family home

Question 23

a real estate broker enters a neighborhood bordering a blighted area and, in good faith, offers owners a reduced commission rate if they list with the firm and the property is sold within 180 days. there is no mention of the blighted area. such practice is:

Answer 23

Acceptable

Question 24

Broker N has installed ramps over stairs to her office, moved furniture for easier access within the office and installed a paper cup dispenser by the water fountain. She performed these actions to comply with:

Answer 24

The Americans with Disabilities Act

Question 25

Refusing to rent an apartment to an adult with a six year old child is discrimination based upon:

Answer 25

Familial status

Question 26

Complaints for violations of the Massachusetts Fair Housing Laws should be reported to the:

Answer 26

Superior court