Unit 19 Fair Housing and ethical Practices Flashcards
Which of the following actions is permitted under the Federal Fair Housing Act?
A Advertising property for sale only to a particular ethnic group
B Altering the terms of a loan for a member of a minority group
C Refusing to sell a home to an individual because of a poor credit history
D Telling a wheelchair-bound individual that an available apartment has been rented because the property owner does not want to allow reasonable accommodations by the applicant
C Refusing to sell a home to an individual because of a poor credit history
What will happen if there is conflict between the federal and state fair housing legislation?
A The federal law will prevail over the state law.
B The state law will prevail over the federal law.
C The more recent law will prevail.
D The stricter law will prevail.
D The stricter law will prevail.
The Civil Rights Act of 1866 is unique because it
A has been broadened to protect the aged.
B adds welfare recipients as a protected class.
C contains “choose your neighbor” provisions.
D provides no exceptions to racial discrimination.
D provides no exceptions to racial discrimination.
“They are the first of their kind to move into the neighborhood. Better list with me today before the property values start to drop!” is an example of A steering. B blockbusting. C redlining. D testing.
B blockbusting.
The act of channeling home seekers to a particular area either to maintain or to change the character of the neighborhood is
A blockbusting.
B redlining.
C steering.
D permitted under the Federal Fair Housing Act of 1968.
C steering.
Under the provisions of the Federal Fair Housing Act, if a lender refuses to make loans in certain areas because the population is made up of more than 25% African Americans, the lender is probably practicing A redlining. B blockbusting. C steering. D borrower qualifying.
A redlining.
Which practice is NOT permitted under the Federal Fair Housing Act as amended?
I Preference in the rental of rooms by a private club to its members
II An owner of a 20-unit apartment building renting exclusively to females
A I only
B II only
C Both I and II
D Neither I nor II
B II only
Under federal law, families with children may be refused rental or purchase in buildings where strict conditions are met and occupancy is reserved exclusively for those at least how many years old? A 55 B 60 C 62 D 65
C 62
A newspaper ad reads: “For sale: 4-BR brick home; Redwood School District; excellent location; short walk to St. John’s Catholic Church; and right on the bus line. Move-in conditions. Priced to sell.” Which of the following statements is TRUE?
A The ad describes the property for sale and is very appropriate.
B The fair housing laws do not apply to newspaper advertising.
C The ad should state that the property is available to families with children.
D The ad should not mention St. John’s Catholic Church.
D The ad should not mention St. John’s Catholic Church.
A real estate broker’s practice of offering a special discount to members of a particular protected class is A legally acceptable. B illegal. C legal but ill-advised. D of no consequence.
B illegal.
Protection from discrimination against a single father with a child under 18 in the sale or rental of real estate is provided by the A Fair Housing Amendments Act of 1988. B Civil Rights Act of 1866. C Americans with Disabilities Act. D Equal Credit Opportunity Act of 1974.
A Fair Housing Amendments Act of 1988.
The Federal Fair Housing Amendments Act of 1988 added which of the following as protected classes?
A Occupation and source of income
B Handicap and familial status
C Political affiliation and country of origin
D Age and marital status
B Handicap and familial status
A real estate broker told a single man with two small children that units for sale in a condominium complex are available only to married couples with no children. Which of the following statements is TRUE?
A The condominium complex is permitted to restrict buyers in any way as long as it is uniform in applying the restrictions.
B Multifamily complexes are exempt from the fair housing laws.
C The man may file a fair housing complaint alleging discrimination on the basis of familial status.
D The man may file a fair housing complaint alleging discrimination on the basis of marital status.
C The man may file a fair housing complaint alleging discrimination on the basis of familial status.
The seller requests that showings be restricted to buyers of a particular race and national origin. The listing agent
A must obey the seller-client regardless of the agent’s personal beliefs.
B should terminate the listing if the seller will not reconsider the instructions.
C may obey the client as long as the agent is not obvious in the restriction.
D should ignore the seller’s instructions and show to all buyers.
B should terminate the listing if the seller will not reconsider the instructions.
In North Carolina, a person who feels she has been discriminated against in housing by a property owner should file a complaint with the
A local sheriff.
B North Carolina Human Relations Commission.
C North Carolina Association of REALTORS®.
D North Carolina Real Estate Commission.
B North Carolina Human Relations Commission.