chapter 5

Question 1

1964 Civil Rights Act

Answer 1

Civil Rights Act of 1964, programs and activities receiving federal financial assistance.

Question 2

1968

Answer 2

Fair Housing Act of 1968, JONES V. MAYER. rules that discrimination on the basis of race is strictly prohibited. CANNOT BE ANY EXEMPTION OR EXCEPTIONS WITH REGARD TO RACE.

Question 3

1974

Answer 3

Housing and Community Development Act, added sex to the list of protected classes.

Question 4

1988

Answer 4

Fair Housing Amendments Act, added handicap & familial status.

Question 5

KEY CONCEPT

Plessy v. Ferguson, 1896

Answer 5

This Supreme Court decision allowed the use of “separate but equal” racially-segregated accommodations and facilities. In there words, as long as separate housing for blacks and whites were judged to be equal, they were legal.

Question 6

Buchan v. Warley, 1917

Answer 6

In Louisville Kentucky, a state law prohibited blacks from living in neighborhoods where the majority of homes were occupied by whites. also restricted whites from residing in majority black neighbors. THE COURT REASONED THAT WHILE THE OBJECTIVE MAY HAVE BEEN LEGITIMATE, LAWS CANNOT DENY RIGHTS PROTECTED BY THE CONSTITUTION.( 14th Amendment)

Question 7

BROWN V. BOARD OF EDUCATION, 1954

Answer 7

In this landmark case, the Supreme Court prohibited racial segregation of public schools. The court said that the “separate but equal” doctrine adopted in Plessy v. Ferguson had no place in the field of public education.

Question 8

When did Fair Housing Rights began?

Answer 8

Civil Rights Act of 1866

Question 9

After the passage of the Civil Rights Act of 1866, what were the federal laws which played a role shaping American civil rights policy?

Answer 9

Plessy v. Ferguson (1896)
Buchanan v. Warley (1917)
Brown v. Board of Education (1954)

Question 10

When did Americans with Disabilities Act (ADA) become effective ?

Answer 10

1990

Question 11

ADA mandates that people with disabilities have equal access to :

Answer 11

• jobs
• public accommodations
• government services
• public transportation
• telecommunications

Question 12

BLOCKBUSTING

Answer 12

Making a profit by persuading owners to sell by telling them that persons of a protected class are moving into the neighborhood which will have detrimental results.

Question 13

STEERING

Answer 13

Channeling homebuyers toward or away from homes in certain neighborhoods in order to preserve or alter the makeup of that neighborhood.

Question 14

REDLINING

Answer 14

Restricting the number of loans in certain areas of a community because of its racial or ethnic makeup

Question 15

Why is it necessary to know the law for a Real Estate?

Answer 15

• it’s the law.
• it’s a right.
• it reduces risk.

Question 16

Equal Credit Opportunity Act (ECOA)

Answer 16

Prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status , age , or dependency on public assistance.

Question 17

Community Reinvestment Act (1977)

Answer 17

Passed by Congress to PREVENT RELINING and to encourage banks and others lenders under federal oversight to help meet the credit needs of all segments of their communities.

Question 18

Home Mortgage DisclosureAct of 1975

Answer 18

Requires financial institutions to maintain and disclose data about home purchases, home purchase pre-approvals, home improvement, and refinance applications

Companies covered under HMDA are required to keep a Loan Application Register (LAR). A LAR is where lenders report statistical information each year to insure that lenders are not restricting loans to certain individuals.

Question 19

Conciliation

Answer 19

A conciliation agreement must protect both the person filing a complaint with HUD and the public interest. If a conciliation agreement is signed, HUD will take no further action on the complaint. However, if HUD has reasonable cause to believe that a conciliation agreement is breached, HUD will recommend that the attorney general file suit.

Question 20

if a person believes he or she has been discriminated against, how long does he or she have to file a HUD complaint?

Answer 20

1 YEAR

Question 21

Testing for fair housing compliance must:

Answer 21

be recognized as a risk and cost of doing a business.