Unit 19 - Fair Housing and Ethical Practices

Question 1

A federal act that prohibits racial discrimination in the sale and rental of all real and personal property.

Answer 1

Civil Rights Act of 1866

Question 2

The federal law that prohibits discrimination in housing based on race, color, religion, sex, handicap, familial status, or national origin.

Answer 2

Federal Fair Housing Act

Question 3

Any group of people designated as such by statute in consideration of federal and state civil rights and lending legislation

Answer 3

Protected Class

Question 4

Protected Class (7)

Answer 4

1. Race
2. Color
3. Religion
4. National Origin
5. Sex
6. Handicapping Condition
7. Familial status

Question 5

A federal cabinet department active in national housing programs. Among its many programs are urban renewal, public housing, model cities, rehabilitation loans, FHA subsidies, fair housing enforcement, and water and sewer grants.

Answer 5

Department of Housing and Urban Development (HUD)

Question 6

Federal act implementing regulations that protect citizens with mental or physical disabilities. Does not apply to residential housing but to commercial facilities and places of public accommodation (Ensures access).

Answer 6

Americans with Disabilities Act (ADA)

Question 7

Administers the Federal Fair Housing Act - handles complaints of aggrieved persons who believe they have been victims of illegal discrimination

Answer 7

Office of Federal Fair Housing and Equal Opportunity (OFHEO)

Question 8

State fair housing law containing similar prohibitions to those of the federal fair housing law. Unlike the federal law, however, the NC law does not exempt owners who are selling their own property, and it does exempt the rental of a unit in a one-unit to four-unit residential building if the owner or one of the owner’s family members lives in one of the units.

Answer 8

North Carolina Fair Housing Act of 1983

Question 9

The state agency responsible for enforcing the North Carolina Fair Housing Act.

Answer 9

North Carolina Human Relations Council

Question 10

The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular protected class into the neighborhood.

Answer 10

Panic peddling AKA

Blockbusting

Question 11

The illegal practice of channeling home seekers to particular areas, either to maintain the homogeneity of an area or to change the character of an area, which limits their choices of where they can live.

Answer 11

steering AKA

channeling

Question 12

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

Answer 12

redlining

Question 13

The federal law that prohibits discrimination in the extension of credit because of race, color, religion, national origin, sex, age, or marital status.

Answer 13

Equal Credit Opportunity Act (ECOA)

Question 14

A written system of standards for ethical conduct.

Answer 14

code of ethics