Unit 18: Fair Housing

Question 1

Failure to comply with fair housing laws is both..

Answer 1

a civil and a criminal violation and constitutes grounds for disciplinary action against a licensee.

Question 2

What is the Civil Rights Act of 1866:

Answer 2

Prohibits any type of discrimination based on race

Also called the Federal Fair Housing Act

Legislation prohibited discrimination in housing based on race, color, religion, or national origin..

(Plessy v Ferguson established the separate but equal doctrine of legalized racial segregation)

Question 3

What is the Federal Fair Housing Act also known as?

Answer 3

Civil Rights Act of 1866

Question 4

What is it called when Legislation prohibited discrimination in housing based on race, color, religion, or national origin..

Answer 4

Civil Rights Act of 1866 or Federal Fair Housing Act

Question 5

The community Development Act (1974)

Answer 5

Added sex to the list of protected classes

Question 6

The Fair Housing Amendments Act (1988)

Answer 6

Added disability and familial status (presence of children) to the list of protected classes.

Question 7

What is the act that Added disability and familial status (presence of children) to the list of protected classes.

Answer 7

The Fair Housing Amendments Act (1988)

Question 8

What is the act that Added sex to the list of protected classes

Answer 8

The community Development Act (1974)

Question 9

Who is the Fair Housing Act administered by?

Answer 9

The US Department of Housing and Urban Development (HUD)

Question 10

The US Department of Housing and Urban Development (HUD) administers:

Answer 10

The Fair Housing Act

Question 11

As a licensee, you should include the:

Answer 11

equal opportunity logo on marketing materials

Question 12

What is discrimination with respect to housing?

Answer 12

Dwelling that includes any building/part of buildings designed for one or more families

Question 13

What is familial status?

Answer 13

one or more people that are not 18+

Includes pregnant women

Housing must be available for younger people

Question 14

It is illegal to advertise property as being for adults only or to indicate a preference for a certain number of children

Answer 14

Yes

Question 15

What is a disability?

Answer 15

A mental or physical impairment

Includes a history of impairments to their major life activities

This includes AIDS

Does not protect current users of illegla or controlled substances but does prohibit discrimination against those who are participating in addiction recovery programs

Question 16

Are people with AIDS protected by disabiility?

Answer 16

No

Question 17

Are people that are current users of illegal substances protected by disability?

Answer 17

No

Question 18

Are people in addiction recovery programs protected?

Answer 18

Yes

Question 19

Who is and isn’t protected under the disability __

Answer 19

Is:
Mental/Physical impairment + AIDS
Addiction recovery programs

Not:
Current drug users

Question 20

Landlords are required to make what for persons with disabilities?

Answer 20

make reasonable accommodations to existing policies, practices or services to ensure persons with disabilities have equal enjoyment of the premises.

Question 21

If failure to accommodate someone with disabilities, the landlord constitutes

Answer 21

If failure to accommodate, landlord constitutes discrimination

Question 22

What happens if the modifications make the property undesirable to the general population?

Answer 22

The landlord is allowed to require that the property is restored to the previous condition after the lease period ends

Question 23

What are the exemptions to the Fair Housing Act?

Answer 23

Owner occupied buildings with no more than 4 units

Single family housing sold or rented without the use of a broker

Housing operated by organizations and private clubs that limit occupancy to members

Certain properties can be restricted to occopancy by elderly persons

Housing intended for persons age 62 and older or housing occupied by at least oen person 55+ per unit

Question 24

What are all of these an exemption of?

Owner occupied buildings with no more than 4 units

Single family housing sold or rented without the use of a broker

Housing operated by organizations and private clubs that limit occupancy to members

Certain properties can be restricted to occopancy by elderly persons

Housing intended for persons age 62 and older or housing occupied by at least oen person 55+ per unit

Answer 24

Exemptions to the Fair Housing Act

Question 25

Support animals are not..

Answer 25

pets

Question 26

Can support animals enter a no pet in housing?

Answer 26

Yes

Question 27

What are the two additional Fair Housing Laws in Colorado?

Answer 27

Colorado has Fair Housing Laws that expanded into federal level ``` Sexual Orientation (Transgender included) Marital Status ```

Question 28

Colorado has Fair Housing Laws that expanded into federal level and they are:

Answer 28

``` Sexual Orientation (Transgender included) Marital Status ```

Question 29

What is Megan's Law?

Answer 29

Created the establishment of state registration systems to maintain residental information regarding sex offenders Law enforcement may release relevant information upon request if they deem it necessary for the protection of the public Some states require that a licensee have a form signed by a buyer or tenant indicating where the buyer or tenant may obtain information about the sex offender registry

Question 30

The establishment of state registration systems to maintain residental information regarding

Answer 30

Sex Offenders

Question 31

What is the Equal Credit Opporunity Act (ECOA)?

Answer 31

Prohibits discrimination in the granting of credit. There are more protected classes under this legislation - marital status and age Prevents lenders from discriminating against recipients of public assistance programs such as food stamps and Social Security. Requires credit applications be considered only on the bases of income, net worth, job stability and credit rating.

Question 32

What does ECOA stand for?

Answer 32

Equal Credit Opportunity Act

Question 33

What does the EQual Credit Opportunity Act require?

Answer 33

Credit applications that are only considered on income, net worth, job stability and credit rating.

Question 34

Americans with Disabilities Act (ADA):

Answer 34

Not a housing act, but impacts real estate licensees. Requires employers to make reasonable accommodations that enable an individual with a disability to perform essential job functions such as making the work site accessible, providing part time or flexible work schedules, and equipment modifications. The provisions of the ADA apply to any employer with 15 or more employees

Question 35

How many employees are required for the Americans with Disabilities Act (ADA) to apply?

Answer 35

15 or more employees.

Question 36

What is Blockbusting?

Answer 36

The act of encouraging people to sell or rent their homes by claiming that someone from the protected class is moving into the neighborhood and will have a negative impact on the property values. Any insinuation that a neighborhood is "changing" It is Illegal to assert that the presecnese of a person will cause property values to decline, crime or antisocial behavior to increase, and the quality of schools to suffer.

Question 37

What is Steering?

Answer 37

Channeling home seekers to particular neighborhoods or discouraging potential buyers from considering some areas Many cases of steering are subtle, based on a home seeker's preferences, based on a stereotype

Question 38

The act of encouraging people to sell or rent their homes by claiming that someone from the protected class is moving into the neighborhood and will have a negative impact on the property values is:

Answer 38

Blockbusting

Question 39

The act of Channeling home seekers to particular neighborhoods or discouraging potential buyers from considering some areas

Answer 39

Steering

Question 40

Redlining is:

Answer 40

The practice of making mortgage loans or issuing insurance policies in specific areas for reasons other than the economic qualifications of the applicants

Question 41

The practice of making mortgage loans or issuing insurance policies in specific areas for reasons other than the economic qualifications of the applicants is:

Answer 41

Redlining