Unit 18 - Fair House And Ethical Practices Flashcards
Equal opportunity
Civil rights act 1866
If race is involve you go to federal court
Plessy vs Furgeson
1896 - separate but equal
Brown vs education
1954 - no separate schools
Jones vs Mayer
1968all racial segregation illegal. Private or public without exceptions
Steering
Pushing a client where u want them
Title 8 civil rights act of 1968
Allowing no segregation
Creates the FHA administered by HUD
HUD-1965
Fair housing act of 1968
No race discrimination
Color
Religious
National origin
1974 addition:
Gender
1988:
Familial status
Disability
Made penalties more severe
HOPA - housing for older persons act
1995
80% of the units has 1 person 55 or older or 62yrs old
Exception- you can advertise age restrictions community
If something happened by accident no damages rewarded
Dwelling
All residential prop and vacant land that can be built upon.
Family/familial status
Family- can be one person
Familial- 1 kid under 18 under parent guardianship
New construction
4 or more units with elevator need disability access- wheel chair
Fair housing act cannot enforce
Cannot prevent sale or lease of a single family home without a broker
Private club not open to public can restrict occupancy as long as its not commercial except for race
Owner occupied buildings with no more than 4 units
Megan’s law- sex offereders
ECOA
Can’t judge against martial status or age
Americans with disabilities act ADA
Hiring procedures and access to public building
15 or more employees
Title 1 ADA
Make reasonable accommodations
Title 3 ADA
Full access to business food and services
Parking spaces handicap
Ramps
Drinking fountains
Toilets
Revised definition of disability
1999
Can that disability be easily corrected
2002 - does restrict you from doing your daily tasks
ADA does not cover
FHA Guidelines
RESPA
HUD requires lenders to send buyers a GFE good faith estimate
Blockbusting
Staying sale or rental of property to a protected class will negatively effect value
Panic selling
Redlining
Only giving loan to a certain area
Intent and effect
Steering
Conciliation
Trying to solve an issue without court
Administrative law judge - ALJ
Awards damages on FHA
1st violation- up to 16k
2nd- within 5 years 37.5k
3rd- in 7 years 65k
Civil court- up to 50k
2nd and 3rd- 100k
