Unit 18 - Fair House And Ethical Practices Flashcards

1
Q

Equal opportunity

A

Civil rights act 1866

If race is involve you go to federal court

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2
Q

Plessy vs Furgeson

A

1896 - separate but equal

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3
Q

Brown vs education

A

1954 - no separate schools

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4
Q

Jones vs Mayer

A

1968all racial segregation illegal. Private or public without exceptions

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5
Q

Steering

A

Pushing a client where u want them

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6
Q

Title 8 civil rights act of 1968

A

Allowing no segregation

Creates the FHA administered by HUD

HUD-1965

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7
Q

Fair housing act of 1968

A

No race discrimination
Color
Religious
National origin

1974 addition:
Gender

1988:
Familial status
Disability
Made penalties more severe

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8
Q

HOPA - housing for older persons act

A

1995

80% of the units has 1 person 55 or older or 62yrs old

Exception- you can advertise age restrictions community

If something happened by accident no damages rewarded

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9
Q

Dwelling

A

All residential prop and vacant land that can be built upon.

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10
Q

Family/familial status

A

Family- can be one person

Familial- 1 kid under 18 under parent guardianship

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11
Q

New construction

A

4 or more units with elevator need disability access- wheel chair

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12
Q

Fair housing act cannot enforce

A

Cannot prevent sale or lease of a single family home without a broker

Private club not open to public can restrict occupancy as long as its not commercial except for race

Owner occupied buildings with no more than 4 units

Megan’s law- sex offereders

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13
Q

ECOA

A

Can’t judge against martial status or age

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14
Q

Americans with disabilities act ADA

A

Hiring procedures and access to public building

15 or more employees

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15
Q

Title 1 ADA

A

Make reasonable accommodations

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16
Q

Title 3 ADA

A

Full access to business food and services

Parking spaces handicap

Ramps
Drinking fountains
Toilets

17
Q

Revised definition of disability

A

1999

Can that disability be easily corrected

2002 - does restrict you from doing your daily tasks

18
Q

ADA does not cover

A

FHA Guidelines

19
Q

RESPA

A

HUD requires lenders to send buyers a GFE good faith estimate

20
Q

Blockbusting

A

Staying sale or rental of property to a protected class will negatively effect value

Panic selling

21
Q

Redlining

A

Only giving loan to a certain area

22
Q

Intent and effect

A

Steering

23
Q

Conciliation

A

Trying to solve an issue without court

24
Q

Administrative law judge - ALJ

A

Awards damages on FHA

1st violation- up to 16k
2nd- within 5 years 37.5k
3rd- in 7 years 65k

Civil court- up to 50k
2nd and 3rd- 100k