Module 9

Question 1

Civil Rights Act of 1866

Answer 1

The first and primary law guaranteeing equal rights to all U.S. citizens; prohibits all discrimination based on race and color

Question 2

Blockbusting

Answer 2

The illegal practice of inducing homeowners to panic sell their properties by making representations regarding the entry or prospective entry of minority persons into the neighborhood

Question 3

Texas Fair Housing Act

Answer 3

A “substantially equivalent” fair housing law that allows complaints to be heard by the Texas Commission on Human Rights or in-state courts

Question 4

Equal Credit Opportunity Act

Answer 4

A federal law to ensure that funds are available to qualified loan applicants without discrimination on the basis of race, color, religion, sex, national origin, age, martial status or receipt of public assistance

Question 5

Civil Rights Act of 1968

Answer 5

A federal law to prevent discrimination in housing because of race, color, religion, or national origin in the selling of homes or apartments and in other specified transactions; amended in 1974 to add sex and again in 1988 to include handicap and familial status in categories covered by the act (also known as the Fair Housing Act)

Question 6

Reasonable Accommodation

Answer 6

A change to a rule, policy, practice, or service for a handicapped person to be able to use housing that must be made by a landlord if necessary.

Question 7

Americans With Disabilities Act (ADA)

Answer 7

A federal law prohibiting discrimination against people with disabilities by denying them the full and equal enjoyment of goods, facilities, accommodations, services, and privileges

Question 8

Community Reinvestment Act

Answer 8

The federal law that requires federally-regulated lenders to describe the geographical market area they serve. Deposits from that area are to be reinvested in that area, whenever practical; passed to ensure that banks would serve the needs of the community in which they were charted to conduct business

Question 9

Steering

Answer 9

The illegal practice of directing buyers into or away from certain areas because of their race, color, etc.; also knowing as Channeling

Question 10

VAMA

Answer 10

A Voluntary Marketing Agreement that is negotiated between HUD and national associations that represent the housing industry promoting equal housing opportunities for all

Question 11

Consumer Financial Protection Bureau

Answer 11

The federal agency that is responsible for enforcing federal consumer financial law

Question 12

Fair Credit Reporting Act

Answer 12

A federal law designed to protect consumers against unfair credit reporting practices and protect credit privacy

Question 13

Taking buyers or renters to or away from a particular area based on race, religion, etc.

Answer 13

Steering

Question 14

Prohibits redlining by banks

Answer 14

Community Reinvestment Act

Question 15

Any attempt to induce panic selling in a neighborhood for financial gain

Answer 15

Blockbusting

Question 16

Governs consumer reporting agencies and those who access consumer credit reports

Answer 16

Fair Credit Reporting Act

Question 17

Each credit applicant must be evaluated based on the same information as every other applicant

Answer 17

Equal Credit Opportunity Act

Question 18

This was a court case where the Supreme Court reaffirmed and ruled that the Civil Rights Act of 1866 prohibits discrimination based on race or color, without exception.

Answer 18

Jones v Alfred H Mayer Company (1968)

Question 19

______________ is taking buyers or renters to/away from a particular area based on the race, religion, etc. of the buyer or renter. This is the most common cause for complaint under the law.

Answer 19

Steering (also known as Channeling)

Question 20

A judge may award a Civil (not criminal) penalty up to $____________ for a fair housing violation.

Answer 20

$150,000

Question 21

It is a good practice in advertising to describe…

Answer 21

Property

It isn’t good practice to advertise using descriptions of people, families or proximity to religious facilities.

Question 22

Under the Fair Housing Act, violations can be up to:

Answer 22

$150,000

Question 23

When someone files a discrimination complaint with HUD, HUD will first attempt to:

Answer 23

resolve the complaint through conciliation

Question 24

The Texas Fair Housing Act was passed in…

Answer 24

1989

Question 25

The Americans with Disabilities Act prohibits discrimination against those with disabilities by denying:

Answer 25

equal enjoyment of goods and facilities

Question 26

All of the following are exempt from ADA except:

Historic buildings
single family homes
retail space
private clubs

Answer 26

retail space

Question 27

The CFPB is responsible for:

Answer 27

enforcing federal consumer financial laws

Question 28

_______________ is a practice of refusing to provide financing in a particular area because of location.
Banks can be found guilty of redlining.

Answer 28

Redlining

Question 29

The Fair Credit Reporting Act protects consumers from…

Answer 29

unfair credit reporting practices

Question 30

The Equal Credit Opportunity Act prohibits discrimination in:

Answer 30

lending

Question 31

The Community Reinvestment Act says lenders cannot:

Answer 31

redline

Question 32

Any attempt to induce panic selling in a neighborhood for financial gain is known as .

Answer 32

blockbusting

Question 33

While there are some exceptions to the application of subsequent fair housing laws (1968 law), the provides for no exceptions whatsoever.

Answer 33

Civil Rights Act of 1866

Question 34

Prohibition against discriminatory advertising applies to _____________ and owner-occupied housing that is otherwise exempt from the Fair Housing Act.

Answer 34

single-family

Question 35

If a case goes to an administrative hearing, _____________ attorneys will litigate the case, and an administrative law judge will consider the evidence.

Answer 35

HUD

Question 36

The prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age or the receipt of income from a public assistance program.

Answer 36

ECOA

Question 37

The has the authority to examine and enforce consumer protection regulations for all mortgage-related businesses, large non-bank financial companies, and banks and credit unions with assets greater than $10 billion.

Answer 37

CFPB

Question 38

In addition to the Federal Fair Housing Act, Texas passed the in 1989, which closely parallels the federal law.

Answer 38

Texas Fair Housing Act

Question 39

Blockbusting is also known as .

Answer 39

Panic Peddling