Chapter 20 Flashcards
Any group of people designated as such by satire in consideration if federal and state civil rights and lending legislation
Protected classes
This act prohibits discrimination on the basis of: Race Color Religion National origin Sex Handicapping condition Familial status
Federal fair housing act
A federal cabinet department active in national housing programs. Among its many programs are urban renewal, public housing, model cities, rehabilitation loans, FHA subsidies, hair housing enforcement ,and water and sweet grants
Department of housing and urban development
A ____ condition is an impairment that substantially limits one or more of a person’s major life activities
Handicapping
Federal act implementing regulations that protect citizens with mental or physical disabilities does not apply to residential housing but to commercial facilities and places of public accommodation
Americans with disabilities act
In its decision the Cory upheld the civil rights act of 1866
Jones v Mayer
The federal agency under the direction of the secretary of the department of housing and urban development which is in charge if administering the federal fair housing act
Office of equal opportunity
Guarantees nondiscrimination in the granting of credit by protecting classes of persons similar to the federal fair housing act. The groups include: race Color Religion National origin Sex Marital status Age Receipt of public assistance
Equal credit opportunity act
Mirrors the federal act with the only difference being the exemptions under the state law:
- owner can discriminate in the rental of a 1-4 unit residential dwelling
- college or university student can discriminate the rental if rooms in a single sex dorm
- a seller can not discriminate in the sale of residence even if the seller is selling w/o a broker
North Carolina fair housing act of 1983
Guaranteed equal housing opportunities to all citizens
Jones v Mayer
Prohibits all racial discrimination with mi exceptions
Complains under this go directly to federal court
Projects race and color
Civil rights act of 1866
First place to file a complaint by those who have been injured by discriminatory housing acts is the_____
North Caitlin’s human relations commission
The ________ requires reasonable accommodations in employment and access to goods,services, and public buildings.
American with disabilities act
Encouraging the sale or renting of property by claiming that the entry of a protected class into the neighborhood will negatively affect the property values; also known as panic peddling
Blockbusting
Channeling home seekers toward or away from a particular neighborhood based on presence or absence of a protected class
Steering
An illegal practice by lending an institution to deny or discourage loan applications in an area based on its racial composition or deterioration
Redlining
A written system of standards for ethical conduct
Code of ethics
