Lesson 9 - Human Rights and Fair Housing

Question 1

Red-Lining

Answer 1

-The refusal to lend money within a specific area for various reasons. This practice
is illegal.

Question 2

Blockbusting

Answer 2

-The practice of inducing homeowners in a particular neighborhood to sell their homes quickly, often at below market prices, by creating the fear that the entry of a minority group or groups into the neighborhood will cause a precipitous decline in property values.

Question 3

Fair Housing Act of 1968

Answer 3

-A federal prohibition that protects buyer/renter of a dwelling from seller/landlord discrimination with regards to race, color, religion, gender, national origin, familial status, or disability.

Question 4

Brown vs Board of Education

Answer 4

-Determined separate is NOT equal

Question 5

Testers

Answer 5

-Volunteers from state or private agencies who enforce fair housing by claiming to be
home seekers, thereby finding out if brokers deal fairly with all clients/customers.

Question 6

Civil Rights Act of 1866

Answer 6

• The Civil Rights Act of 1866 has no exemptions and contains the blanket statement that ‘citizens have the same rights to inherit, buy, sell, or lease real and personal property.
• The Civil Rights Act of 1866 is primarily interpreted to prohibit racial discrimination.

Question 7

The Housing and Community Development Act of 1974

Answer 7

-The Housing and Community Development Act of 1974 added sex as a protected class to the Fair Housing Act.

Question 8

1988 Amendment to the Civil Rights Act

Answer 8

-The 1988 Amendment to the Civil Rights Act added two new protected classes:
– Persons with mental or physical disabilities
– Familial status

Question 9

Steering

Answer 9

-The practice in which real estate brokers guide prospective home buyers towards (or away) from certain neighborhoods based on their race.