Unit 3 Fair Housing

Question 1

Define: Administrative Law Judge (ALJ)

Answer 1

The official who presides over a hearing involving a government agency and someone affected by a decision of that agency. The ALJ hears evidence, including the testimony of witnesses, and renders a decision. 43 (Kyle 519)

Question 2

Define: Americans with Disabilities Act (ADA)

Answer 2

Act addresses rights of individuals with disabilities in employment and public accommodations. 38

Title 1 Reasonable accommodations

Title 3 Full accessibility to businesses goods, and public services

Question 3

Define: Blockbusting

Answer 3

The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular race or national origin into the neighborhood. 40

Question 4

Define: Civil Rights Act of 1866

Answer 4

An act that prohibits racial discrimination in the sale and rental of housing. 32

Question 5

Define: Conciliation

Answer 5

A form of alternative dispute resolution in which a conciliator meets with each of the parties separately to help them settle their differences voluntarily, without the formality of a hearing or trial. 43

Question 6

Define: Department of Housing and Urban Development (HUD)

Answer 6

Federal agency that has established rules and regulations that further interpret the practices affected by federal law; for example, HUD distributes an equal housing opportunity poster. 34

Question 7

Define: Fair Housing Act

Answer 7

The federal law that prohibits discrimination in housing based on race, color, religion, sex, disability, familial status, and national origin. 34

Question 8

Define: Fair Housing Amendments

Answer 8

Act of 1988 Expansion of the Fair Housing Act to include families with children and those with physical or mental disabilities. 34

Question 9

Define: Housing for Older Persons Act of 1995 (HOPA)

Answer 9

Amended the Fair Housing Act to provide that housing intended for persons aged 55 or older no longer needs to have significant facilities and services designed for the elderly. 34

Question 10

Define: Redlining

Answer 10

The illegal practice by a lending institution of denying loans or restricting their number for certain areas of a community. 41

Question 11

Define: Steering

Answer 11

The illegal practice of channeling home seekers to particular areas based on their race, national origin, religion, or other protected classification. 40

Question 12

Define: Title VIII of Civil Rights Act of 1968 (Fair Housing Act)

Answer 12

As since amended, the Fair Housing Act prohibits discrimination in housing based on race, color, religion, national origin, sex, familial status, or disability. 34

Question 13

Are there any exceptions to the Civil Rights act of 1866 ?

This will be on the test

Answer 13

No

Question 14

Define: Niche marketing

Answer 14

The target marketing of specific demographic populations, within the bounds of fair housing laws. 10

Question 15

Define: Stigmatized property

Answer 15

A property that has acquired an undesirable reputation due to an event that occurred on or near it, such as violent crime, gang-related activity, illness, or personal tragedy. Some states restrict the disclosure of information about stigmatized properties. 168

Question 16

Define: Dwelling

Answer 16

Any building or part of a building designed for occupancy as a residence by one or more families. 36

Question 17

Define: Familial status

Answer 17

One or more individuals under age 18 living with a parent or guardian; also includes a woman who is pregnant and anyone who is in the process of assuming custody of a child under age 18. 36

Question 18

Define: Disability

Answer 18

A handicap. A physical or mental impairment that substantially limits one or more of a persons major life activities and includes having a record of having such impairment, even if one does not exist

Question 19

First exemption to the Fair housing at is …

Answer 19

An owner occupied building of no more than four units

Question 20

2nd Exemption to the housing act is ….

Answer 20

Single-family housing sold or rented without the use of a real estate professional

Question 21

3rd exemption to the fair housing act is …

Answer 21

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

Question 22

4th exemption to the fair housing act is …

Answer 22

The rental of rooms or units in an owner-occupied building of no more than four units

Question 23

5th exemption to the fair housing act is …

Answer 23

The sale or rental of a single-family home when the home is Owned by an individual who does n to own more than three such homes at one time (and who does not sell more than one every two years)

Question 24

6th Exemption to the fair housing law is …

Answer 24

A real estate professional is not involved in the transaction

Question 25

7th Exemption to the fair housing law is …

Answer 25

Discriminatory advertising is not used

Question 26

How to remember who are members of a protected class with this acronym F.R.E.S.H. C.O.R.N

Answer 26

F = Familial status
R = Race
E = Equal
S = Sex
H = Handicap

C = Color
O = Opportunity 
R = Race
N = National origin

Question 27

Fines for violating far housing laws are

Answer 27

$16,000.00 1st offense

$37,500 For a 2nd offense with in 5 years

$70,000 for a further violation with in 7 years