Glossary Ch. 8-12 Flashcards Preview

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Flashcards in Glossary Ch. 8-12 Deck (11)
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1
Q

State agency designated with rotecting Californians from housing, employment, and public accomodation discrimination.

A

Department of Fair Employment and Housing

2
Q

Housing intended for individuals 55 or 62 years of age or older.

A

Senior Citizen Housing

3
Q

Unequal treatment given to members of a protected class of individuals.

A

Discriminatory Practices

4
Q

Actions which are not openly discriminatory but yeild discriminatory results.

A

Implicit Discrimination

5
Q

Failure to provide financing or insurance in certain communities based on the demographics of that community.

A

Redlining

6
Q

A 1974 federal enactment prohibiting lenders from discriminating against borrowers from a protected class.

A

Equal Credit of Opportunity Act

7
Q

A private agency which collects and reports information regarding an individual’s credit history.

A

Credit Reporting Agency

8
Q

A regulatory scheme requiring lenders to publically release loan data.

A

Home Mortgage Disclosure Act (HMDA)

9
Q

Percentage of monthly gross income that goes toward paying debt.

A

Debt-to-Income (DTI) Ratio

10
Q

A collection of policies designed to prevent discrimination in the access to housing based on an occupant’s inclusion in a protected class.

A

Federal Fair Housing Act (FFHA)

11
Q

A building occupied or designed to be occupied as a residence by one or more families.

A

Dwelling