A-9 Housing Regulations & Property Insurance

Question 1

Fair Housing Act of 1968

Answer 1

Bans discrimination by race, color, religion, national origin

-Exemption: Churches, private clubs, private owners up to 4 plea.

Question 2

Jones vs. Mayer

Answer 2

Erases exceptions And reaffirms Civil Rights Act 1866.

All racial discrimination in sale of property

Question 3

Equal Credit Opportunity Act of 1974

Answer 3

Lenders are forbidden from discrimination against borrowers not only on the basis of race, color, religion and national origin, buts sex, marital status and age as well.

Question 4

Steering

Answer 4

Channeling of homebuyers to specific areas based on race, national origin, religion.

HUD- must be shown what buyer/renter requests.

Question 5

Blockbusting

Answer 5

Encouraging homeowners to sell out by predicting minorities are moving into the neighborhood.

Question 6

Redlining

Answer 6

Refusing to make a mortgage loan or grant insurance policies in certain areas regardless of an applicants solid economic qualification

Question 7

Fair Housing Legislation 1988

Answer 7

Added handicapped, mentally handicapped, and people with families (i.e.. children)

AIDS, Alcoholism, but not drug convictions follow under these provisions.

Question 8

Americans with Disabilities Act (ADA)
Title I
Title III

Answer 8

1990
Title I- prohibits employment discrimination of hiring employees in a business with 15 or more employees.

Title III- places of public accommodations.

First offense 75k, 2nd offense 150K

Question 9

Landlord Tenant Act

ARLTA

Answer 9

ARLTA -Arizona Residential Landlord And Tenant Act.

Can not charge more than 1.5 monthly rent

Must specify non-refundable amounts in cleaning deposit.

2 days notice for construction/ improvements.

2013- Bed Bug info& ARLTA

Question 10

ARLTA Failure to deliver Possession

Answer 10

Tenant can terminate lease and receive full refund if not delivered within 5 days. Can sue landlord.

Question 11

Self-help for minor defects

Answer 11

Landlor has 10 days to make minor repairs, can spend up to $300 or half a months rent whichever is greater if not fixed.

Question 12

Failure to supply essential Services

Answer 12

This covers water, heat, air conditioning, electricity. Tenant can move out until fixed and reimbursed for rent

Question 13

Constructive eviction

Answer 13

Renters forced to move out through no fault of their own

Question 14

Failure to return security deposit

Answer 14

15 business days to pay, or pay double.

Question 15

Condominium Rights

Answer 15

Owners possess “horizontal rights”. Cube.

Question 16

Townhouses

Answer 16

Include “vertical rights” everything above and below. Fee simple title and deed.

Question 17

Cooperative

Answer 17

Owned by corporations in which tenants by stock. Tenants occupy but do not own their units.

Question 18

Timeshares

Answer 18

Interval ownership. Owners can rescind a timeshare contract within 7 days of signing.

Tenants in common = uneven ownership.

52 weeks per year, 2 weeks for Maint.
Tell gift before give gift after, tour only 120 min max.

Question 19

The legal right of a landlord to seize the tenants belongings for rents in arrears is called:

Answer 19

Distraint

Question 20

If a lease is week to week how much notice is required to terminate the lease

Answer 20

10 days

Question 21

If a dwelling is damaged by fire the tenant must give how much notice to terminate the rental agreement?

Answer 21

14 Days

Question 22

The 1968 Civil Rights Act exempted what specific group from discrimination?

Answer 22

Religion

Question 23

Plessy vs. Fergusson 1896

Answer 23

Separate but equal. Train to Baton Rouge

Question 24

Brown vs. Board of Education

Answer 24

Overturned Plessy. Linda brown, 2nd grader.