Vocabulary Unit 3

Question 1

Civil Rights Act of 1866

Answer 1

The federal government’s effort to end discrimination in the provision of housing began with the passage of the The law prohibits discrimination based on race in every property transaction but was largely ignored.

Question 2

Title VIII of the Civil Rights Act of 1968,

Answer 2

as amended by the Housing and Community Development Act of 1974 and the Fair Housing Amendments Act of 1988, is the Fair Housing Act. It prohibits discrimination in housing based on

Question 3

Title VIII of the Civil Rights Act of 1968, as amended by the Housing and Community Development Act of 1974 and the Fair Housing Amendments Act of 1988, is the Fair Housing Act. It prohibits discrimination in housing based on

Answer 3

race,
color,
national origin,
religion,
sex,
familial status, or
disability.

Question 4

Housing for Older Persons Act (HOPA),

Answer 4

which repealed the requirement that housing intended for those age 55 or older have “significant facilities and services” designed for seniors. HOPA still requires that at least 80% of occupied units have one person age 55 or older living in them.

Question 5

The Fair Housing Act is administered by the

Answer 5

Department of Housing and Urban Development (HUD),

Question 6

Dwelling

Answer 6

as any building or part of a building designed for occupancy as a residence by one or more families

Question 7

Family/Familial Status

Answer 7

defined as one or more individuals under age 18 living with a parent or guardian

Question 8

Disability

Answer 8

is included in the Fair Housing Act as a handicap, although the word disability is now the preferred term. A disability is a physical or mental impairment that substantially limits one or more of a person’s major life activities and includes having a record of having such an impairment, or being regarded as having such an impairment, even if one does not exist.

Question 9

Americans with Disabilities Act (ADA)

Answer 9

is not a housing law, it still has a significant effect on the real estate industry.

Question 10

Blockbusting

Answer 10

is the act of encouraging people to sell or rent their homes by claiming that the entry of a protected class of people into the neighborhood will have some sort of negative impact on property values.

Question 11

Steering

Answer 11

is the channeling of homeseekers to particular neighborhoods or discouraging potential buyers from considering some areas.

Question 12

Advertising

Answer 12

of property for sale or rent may not include language indicating a preference or limitation. No exception to this rule exists, regardless of how subtle the choice of words. HUD’s regulations include the types of language that are considered discriminatory. One such regulation can be found at www.hud.gov/offices/fheo/library/part109.pd

Question 13

HUD’s Advertising Guidelines

Answer 13

shows some examples of language that is permitted and language that is considered discriminatory and not permitted.

Question 14

Appraising

Answer 14

Those who prepare appraisals or any statements of valuation—whether formal or informal, oral or written (including a comparative market analysis prepared by a real estate professional)—may consider any factors that affect value. Race, color, religion, national origin, sex, disability, and familial status are factors that may not be considered, however.

Question 15

Redlining

Answer 15

The practice of refusing to make mortgage loans or issue insurance policies in specific areas for reasons other than the economic qualifications of the applicants is known as

Question 16

Intent and Effect

Answer 16

If an owner or real estate professional purposely sets out to engage in blockbusting, steering, or other unfair activities, the intent to discriminate is obvious

Question 17

Conciliation

Answer 17

is the resolution of a complaint by obtaining assurance that the person against whom the complaint was filed (the respondent) will remedy any violation that may have occurred.

Question 18

administrative law judge (ALJ)

Answer 18

ALJ has the authority to award actual damages to an aggrieved party and, if it is believed the public interest will be served, to impose a monetary penalty.

Question 19

Consequences

Answer 19

for anyone who violates the law are serious. In addition to the financial penalties, the livelihood of a real estate professional may be in jeopardy if the license is suspended or revoked.