The Fair Housing Act

Question 1

What is the Fair Housing Act?

Answer 1

The Fair Housing Act prohibits discrimination in the sale or rental of a dwelling on the basis of: race, color, religion, sex, handicap, familial status, or national origin.

Question 2

What organization oversees the Fair Housing Act?

Answer 2

HUD

Question 3

What act ushered in the Fair Housing Act?

Answer 3

The Civil Rights Act of 1968

Question 4

What is considered a discriminatory activity under the Fair Housing Act?

Answer 4

• Refuses to sell or rent a dwelling or to negotiate the sale or rental of a dwelling
• Offers different terms or conditions in the sale or rental of a dwelling
• Represents to an individual that a dwelling is not available when, in fact, it is
• Charges different rates and fees or offers different terms in a mortgage loan transaction

Question 5

A lender may reject an application based on what criteria?

Answer 5

Credit history, employment, fraudulence, and/or earning capability factors.

Question 6

What is redlining?

Answer 6

Redlining is the practice of denying services (e.g., financial services, housing options, medical services) in certain neighborhoods based on racial and/or ethnic factors. Redlining is prohibited under federal and state law