Real Estate Test Unit 18

Question 1

administrative law judge (ALJ)

Answer 1

the official who presides over a hearing involving a government agency and someone affected by a decision of that agency. the ALJ hears evidence, including the testimony of witnesses, and renders a decision

Question 2

Americans with Disabilities Act (ADA)

Answer 2

act addresses rights of individuals with disabilities in employment and public accommodations

Question 3

blockbusting

Answer 3

the illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular race or national origin into the neighborhood

Question 4

civil rights act of 1866

Answer 4

an act that prohibits racial discrimination in the sale and rental of housing

Question 5

conciliation

Answer 5

a form of alternative dispute resolution in which a conciliator meets with each of the parties separately to help them settle their differences voluntarily, without the formality of a hearing or trial

Question 6

defeasible fee estate

Answer 6

an estate in which the holder has a fee simple title that may be divested upon the occurrence or nonoccurrence of a specified event. there are two categories of defeasible fee estates: fee simple on condition precedent (fee simple determinable) and fee simple on condition subsequent

Question 7

department of housing and urban development (HUD)

Answer 7

federal agency that has established rules and regulations that further interpret the practices affected by federal law; for example, HUD distributes an equal housing opportunity poster

Question 8

dwelling

Answer 8

any building or part of a building designed for occupancy as a residence by one or more families

Question 9

fair housing act

Answer 9

the federal law that prohibits discrimination in housing based on race, color, religion, sex, disability, familial status, and national origin

Question 10

fair housing amendments act of 1988

Answer 10

expansion of the fair housing act to include families with children and those with physical or mental disabilities

Question 11

familial status

Answer 11

one or more individuals under age 18 living with a parent or guardian; also include a woman who is pregnant and anyone who is in the process of assuming custody of a child under age 18

Question 12

housing for older persons act of 1995 (HOPA)

Answer 12

amended the fair housing act to provide that housing intended for persons aged 55 or older no longer needs to have significant facilities and services designed for the elderly

Question 13

protected class

Answer 13

any group of people designated as such by the department of housing and urban development (HUD) in consideration of federal civil rights legislation. individual states and local jurisdictions provide such designation to additional groups as well

Question 14

redlining

Answer 14

the illegal practice by a lending institution of denying loans or restricting their number for certain areas of a community

Question 15

steering

Answer 15

the illegal practice of channeling home seekers to particular areas based on their race, national origin, religion, or other protected classification

Question 16

title VIII of civil rights act of 1968 (fair housing act)

Answer 16

as since amended, the fair housing act prohibits discrimination in housing based on race, color, religion, national origin, sex, familial status, or disability