Quiz Ch. 8-12 Flashcards
California anti-dscrimination law is enforced by the Department of Fair Employment and Housing and the:
Fair Employment and Housing Commission.
Until ______ was added to the anti-discrimination laws in 1992, it was legal to exclude minors under the age of 18 from housing accomidations.
familial status
_______ practices are those which are not openly discriminatory, but result in discriminatory effects.
Implicit discriminatory
Failling to provide financing in certain communities is called:
redlining.
The _______ is a 1974 federal enactment prohibiting lenders from discriminating against borrowers from a protected class.
Equal Credit Opportnity Act
A lender may lawfully consider _____ when determining the applicant’s creditworthiness.
a mortgage applicants age
Consumers may request a free copy of their credit report ______ to review it for errors.
once every year
The _______ requires lenders to compile and submit their home loan origination data to their respective supervisory agencies.
Home Mortgage Disclosure Act (HMDA)
The printing or publishing of an advertisement for the sale of rental or residential property that indicates a wrongful discriminatory preference is a violation of the:
Federal Fair Housing Act (FFHA)
The Department of Housing and Urban Development (HUD)issues guidelines that require real estate brokers selling or renting single family residences (SFRs) display a(n):
fair housing poster.
