UNIT 19

Question 1

The Civil Rights Act of 1866 prohibits discrimination based on a person’s

a. race.
b. religion.
c. sex.
d. national origin.

Answer 1

a. race.

Question 2

The agency responsible for the enforcement of the Federal Fair Housing Act is the

a. Department of Justice.
b. Federal Housing Administration.
c. Department of Housing and Urban Development.
d. Department of Veteran Affairs.

Answer 2

c. Department of Housing and Urban Development.

Question 3

It is illegal for a lending institution to refuse to make a residential real estate loan in a
particular area based upon the
a. questionable economic situation of the applicant.
b. neighborhood in which the property is physically located.
c. applicant not being of legal age.
d. deteriorated condition of the premises.

Answer 3

b. neighborhood in which the property is physically located.

Question 4

A discrimination suit may be filed in federal court by the

a. aggrieved person believed to have experienced racial profiling.
b. Department of Housing and Urban Development.
c. state or county nondiscrimination officer.
d. Federal Housing Administration.

Answer 4

a. aggrieved person believed to have experienced racial profiling.

Question 5

A prerequisite to filing a complaint of discrimination is that the complainant must

a. be able to prove that discrimination occurred.
b. suspect that discrimination occurred.
c. be able to prove that the discrimination was intentional.
d. be able to produce witnesses to the discrimination.

Answer 5

b. suspect that discrimination occurred.

Question 6

The Fair Housing Act of 1968 is contained in

a. Title VIII of the Civil Rights Act of 1968.
b. the Civil Rights Act of 1866.
c. the Civil Rights Act of 1998.
d. Executive Order No. 11063.

Answer 6

a. Title VIII of the Civil Rights Act of 1968.

Question 7

A prospective home buyer who is African-American expresses interest in seeing a home
in a predominately Caucasian residential neighborhood. Which of the following would be
an appropriate response from the broker?
a. “You wouldn’t want to live in this area because the neighbors are trying to protect
the integrity of the area”
b. “I’d be happy to show you homes in other areas where you might be more
welcome”
c. “The residents here have expressed a desire to keep the area homogeneous with
no minorities”
d. “I’ll be pleased to show you any houses that you’re interested in”

Answer 7

d. “I’ll be pleased to show you any houses that you’re interested in”

Question 8

With regard to Fair Housing requirements, real estate brokers are required to do all of the
following EXCEPT
a. take affirmative marketing action in advertising.
b. take affirmative marketing action in canvassing.
c. show every listed property to each prospective buyer.
d. prominently display the equal housing opportunity poster.

Answer 8

c. show every listed property to each prospective buyer.

Question 9

Protection from threats or acts of violence against those who assist and encourage open
housing rights is found in the
a. Civil Rights Act of 1866.
b. Civil Rights Act of 1964.
c. Fair Housing Act of 1968.
d. Equal Credit Opportunity Act of 1974.

Answer 9

c. Fair Housing Act of 1968.

Question 10

The provisions of the Federal Fair Housing Act apply

a. in all states.
b. only in those states that have ratified the act.
c. only in those states that do not have substantially equivalent laws.
d. only in those states that do not have specific state fair housing laws.

Answer 10

a. in all states.

Question 11

By federal and state fair housing laws, all of the following actions are illegal EXCEPT
a. offering advantageous loan terms to encourage the re-segregation of a residential
area.
b. refusing to show certain residential property to non-English-speaking individuals.
c. channeling members of a certain minority group into an area already
predominately occupied by members of that minority.
d. refusing to show certain residential property to people who are not financially
qualified to purchase it.

Answer 11

d. refusing to show certain residential property to people who are not financially
qualified to purchase it.

Question 12

The refusal of a lending institution to make a residential real estate loan strictly because
of the racial or ethnic composition of the neighborhood is called
a. blockbusting.
b. redlining.
c. steering.
d. panic peddling.

Answer 12

b. redlining.

Question 13

Which building would NOT be covered by the Americans with Disabilities Act?

a. A real estate brokerage office
b. A movie theater
c. A grocery store
d. A residence

Answer 13

d. A residence