Chapter 14 - Fair Housing Flashcards
Which law prohibits any type of descriminiation based on race?
The Civil Rights Act of 1866 (15th amendment)
Title VIII of the Citil Rights Act of 1968 is also know as:
The Federal Fair Housing law
What are the three marker years for civil rights and housing?
1866 - Race
1968 - Race, color, religion, nation of origin, and sex.
1988 - Mental/physical disability and familial status
Familial status protects who?
Families with children
Persons with disabilities are permitted to make reasonable modifications at whose expense?
Their own expense
How often may exemptions be made to the fair housing act?
Once every 2 years.
Jones v. Mayer, 1968
Prohibits all racial descrimination without exception.
What percentage of units must be elderly occupied in order to be excempt from familal status protection?
80% or more.
The fair housing act exempts:
- Owner-occupied buildings with four units or less
- Single family housing sold/rented by owner
- Housing operated by membership organizations/private clubs
ECOA
Equal credit opportunity act. Prohibits discrimination in the granting of credit
Blockbusting
Encouraging peope to sell pr rent by claiming the entry of a protected class into the neighborhood will have a negative impact on property values.
Steering
Channeling home-seekers to particular neighborhoods.
•Can’t show just in humboldt park to hispanic buyers without buyer request.
•Can’t define neighborhoods for the buyer.
Redlining
Refusing mortgage loans baed on assumed demographics
The three steps to handling a descrimination complaint are:
- HUD intiates an investigation
- Lawsuit
- Complaint with attorney general.
The Illinois Human Rights Act additionally prohibits discrimination based on (MAMAS):
MAMAS: Marriage Age Military Ancestry Sexual orientation
