Unit 3 Quiz Flashcards
- Under the fair housing act which action is legally permitted?
A. Advertising property for sale only to a special group. B. Altering the terms of your loan for a member of a protected class. C. refusing to make a mortgage loan to a member of a protected class because of a poor credit history. D. Telling a member of a protected class that an apartment has been rented when in fact it has not.
Answer:
C. Refusing to make a mortgage loan to a member of a protected class because of a poor credit history.
- Complaints relating to the civil rights act of 1866
A. Must be taken directly to federal court.
B. Are no longer reviewed in the courts.
C. Are handled by HUD.
D. Are handled by state enforcement agencies.
Answer:
A. Must be taken directly to federal court.
- Why is the civil rights act of 1866 unique?
A. It has been brought in to protect the aged.
B. It adds welfare recipients as a protected class.
C. It contains “ choose your neighbor” provisions.
D. It provides no exception that would permit racial discrimination.
Answer:
D. It provides no exception that would permit racial discrimination.
- A real estate professional said to a homeowner, I hear they’re moving in. There goes the neighborhood! Better put your house on the market before value drops! This is an example of what illegal practice?
A. Steering
B. blockbusting
C. redlining
D. fraudulent advertising
Answer:
B. Blockbusting
- The act of directing home seekers towards or away from a particular area, either to maintain or to change the character of the neighborhood is
A. Steering
B. blockbusting
C. redlining
D. fraudulent advertising
Answer:
A. Steering
- The lender’s refusal to lend money to potential homeowners attempting to purchase property is located in a predominantly Latino neighborhood is known as
A. Redlining
B. blockbusting
C. steering
D. prequalifying
Answer:
A. Redlining
- All of the following would be permitted under the federal fair housing act except
A. And expensive club in New York renting homes only to members who are graduates of a particular university.
B. The owner of a 20 unit residential apartment building renting two men only.
C. A Catholic convent refusing to furnished housing for Jewish man.
D. Owner refusing to rent the other side of the duplex in which she lives to a family with children.
Answer:
B. The owner of a 20 unit residential apartment building renting to men only.
Exceeds 4 units
- It is illegal for a lending institution to refuse to make a residential real estate loan in a particular area only because of the
A. Questionable economic situation of the applicant.
B. Physical location of the property.
C. Absent not being of the legal age.
D. Deteriorated conditions of the premises
Answer:
B. Physical location of the property (redlining)
- Which agency, upon receiving a complaint regarding a fair housing act violation investigates?
A. HUD
B. HOPPA
C. DOJ
D. ADA
Answer:
A. HUD
- Housing that qualifies for exemption from familial status provisions
A. Includes households intended for persons 50 or older.
B. Includes a restriction that 80% of the units be occupied by persons 55 or older.
C. Is not permitted under the federal fair housing act.
D. Is permitted for owner occupied buildings with four or more units.
Answer:
B. Includes a restriction that 80% of the units be occupied by persons 55 or older.
- The owner specifies that they will not sell a home to an Asian family. The real estate professional should do which of the following?
A. Advertise the property exclusively and Asian language newspapers.
B. Explain to the owners that the instruction violate federal law and that the real estate professional cannot comply with it.
C. Abide by the owners directions despite the fact that they conflict with the fair housing act laws
D. require the owner to sign a separate documentation with his instructions.
Answer:
B. Explain to the owner that the instructions violate federal law and that the real estate professional cannot comply with it.
- Define for the first violation of the federal fair housing act could be as much a
A. 100,000.
B. 37,000
C. 55,000
D. 16,000
Answer:
D. $16,000
A Single man with two small children have been told the condominium for sale is available only to married couples with no children.
A. Condominiums permitted to discriminate against the family under the principles of rational basis.
B. Condominium complexes are exempt the man
C. Complaint on the basis of familial status.
D. Restrictive covenant’s take presidents
Answer:
C. Complaint on the basis of familial status.
- An ad in the newspaper says for sale four bedroom brick home redwood school district great location short walk to Saint John’s church move-in condition price well.
A. Add is appropriate.
B. Fair housing laws do not apply to newspaper advertising ad
C. should state property is available to families D. should not mention Saint John’s church.
Answer
D. Add should not mention Saint John’s church.
- Discrimination suit maybe filed in federal court by
A. A person a grieved by racial discrimination. B. The department of housing and urban development.
C. The state or county nondiscrimination officer.
D. The Federal housing administration
Answer:
A. The person aggrieved by the racial discrimination
