HUD’s Office of Fair Housing and Equal Opportunity, along with its partners in the Fair Housing Assistance Program, investigates approximately _______ housing discrimination complaints every year.
10,000
20,000
5,000
50,000
Which of these might bring a charge of steering against a licensee?
A licensee encourages his clients to contact local agencies to learn more about a neighborhood’s schools, crime rates, and religious institutions.
A licensee is working with a client who has a disability. At the client’s request, the licensee refrains from showing the client listings that aren’t ADA accessible.
A licensee screens the properties he shows his clients based on the clients’ preferences.
When working with single female clients, a licensee is careful to promote properties in neighborhoods the licensee considers safe.
What is the illegal practice of nudging buyers away from or toward a specific area based on the presence or absence of protected class members?
Blockbusting
Gerrymandering
Redlining
Steering
Early in its history, the Federal Housing Administration officially supported keeping “incompatible” racial groups out of the newly developed white suburbs. What is this practice known as?
Blockbusting
Consolidating
Redlining
Steering
Per the ______, it’s unlawful to refuse to sell or rent a dwelling after a bona fide offer has been made, or to refuse to negotiate for the sale or rental of a dwelling because of race, color, religion, sex, familial status, national origin, or disability/handicap.
Americans with Disabilities Act
Anti-Discrimination Act of 1977
Fair Housing Act
Truth in Lending Act
Licensee Lisa’s buyer client is very interested in a home that Lisa has shown her. Hoping to learn more about the neighborhood the home is in, the buyer asks Lisa about the crime rate of the area. How should Lisa respond?
She should generate crime data for her client and present the information to her as soon as possible.
She should refer the person to the appropriate source on crime data, but not offer her own assessment.
She should rely on her own knowledge of the area and share that information with the buyer.
She should work to close the deal as quickly as possible by minimizing the buyer’s questions and concerns.
What’s the term for a lender refusing to lend in a specific area, often based on the area’s minority make-up?
Blockbusting
Gerrymandering
Redlining
Steering
Chad’s buyers really want to ensure their offer is accepted. They include a picture of their young family and a letter stating how much they love the house. Is there any fair housing concern here?
No, there are no concerns.
There are only concerns if the buyers are obviously members of a protected class.
Yes, there are concerns based on the buyers’ familial status.
Yes, there are concerns based on the buyers’ religion.
Which one of the following is a protected class under the Fair Housing Act?
Age
Educational status
Familial status
Income status
Which of these is an example of blockbusting?
A lender withholds mortgage loans in areas considered demographically risky.
A licensee doesn’t tell her buyer client about a first-floor condo because she felt it wasn’t safe for the client.
A licensee focuses on showing properties in areas that are demographically similar to her buyer clients’ ethnicity.
A real estate licensee approaches a homeowner as soon as a demographic shift starts to occur in her neighborhood and convinces her that she needs to sell now, or she’ll never be able to sell.
How much does it cost to file a complaint with HUD?
$100
$15
$25
Nothing
What is the practice of not allowing mortgage lending in certain areas that the lender deems to be “risky”?
Blockbusting
Gerrymandering
Redlining
Steering
Fair housing complainant Logan filed a federal fair housing complaint against real estate licensee Rich for racial steering. Logan may also file suit at his own expense in the federal district court or the state court within two years of the alleged violation, provided that _______.
He has not signed a conciliation agreement
He has permission of the Office of Fair Housing
He has the signed recommendation of an administrative law judge
He is not looking for punitive damages
What discriminatory lending practice by lenders resulted in the destruction of whole neighborhoods, with perfectly good housing left abandoned?
Blockbusting
Gerrymandering
Redlining
Steering
A person may file national origin discrimination for being ________.
A Montanan
Caucasian
Gay
Native American
Which of the following entities investigates federal complaints of housing discrimination?
DC’s Office of Fair Housing
The Federal Bureau of Investigation
The National Fair Housing Alliance
The U.S. Department of Housing and Urban Development
Steering occurs when ______.
Investors seek out and entice homeowners to sell their homes with the intention of demolishing and rebuilding
Lenders refuse to underwrite loans based on protected class rather than credit worthiness
Licensees fail to show properties in minority neighborhoods
Licensees persuade homeowners to sell their homes based on the changing demographic make-up of an area
You’ve listed a home and you’ve just received a heartfelt letter with a buyer’s offer. Should you share it with the seller?
No, because it could lead to a discrimination complaint.
No, because it’s against the law.
Yes, because disclosure is mandatory.
Yes, because it may appeal to the seller.
Congress has considered a proposal to add which two classes to the list of federally protected classes for fair housing?
Age and source of income
Familial status and gender identification
Sex and sexual orientation
Veteran status and source of income
Which one of these situations represents the illegal practice of redlining?
A community member, posted in online neighborhood forums warning of impending commercial developments that would negatively impact property values.
A homeowner refused to allow her listing broker to show her house to families with pets.
A licensee was working with Korean American clients and focused on showing them properties they would enjoy in the communities they were most interested in.
A mortgage underwriter refused to underwrite mortgage documents for applicants who wanted to buy in specific neighborhoods based on the neighborhood’s demographics.
Kirby Clark’s landlord, Greg Lawson, evicted him when he found out Kirby had AIDS. After HUD investigated Kirby’s complaint, it found there is reasonable cause to believe discrimination had occurred. Unless Kirby or Greg wants the case to be heard in federal district court, Kirby’s case will be heard in an administrative hearing within _______.
120 days
15 days
180 days
Five business days
What act attempted to eliminate discrimination caused by redlining and blockbusting?
Civil Rights Act of 1866
Fair Housing Act of 1968
Housing Discrimination Act of 1974
HUD Act of 1961
What is the illegal practice of nudging buyers away from or toward a specific area based on the presence or absence of protected class members?
Blockbusting
Gerrymandering
Redlining
Steering
What’s the primary problem with buyer love letters?
They create potential fair housing concerns.
They rarely work.
They’re now illegal in most states.
They unfairly compel sellers to accept the buyer’s offer.
Idina has filed a federal fair housing complaint after a landlord told her he would only rent her an apartment if she had sex with him. After investigating the complaint, HUD finds reasonable cause to believe that discrimination occurred. What will happen next?
An administrative hearing must be held within 15 days.
An administrative hearing must be held within five business days.
HUD will inform an administrative law judge, who will inform Idina.
HUD will inform Idina.
Which fair housing-related act prohibited discrimination based on just race, religion, color, and national origin in the sale or rental of residential real estate?
Federal Fair Housing Act of 1968
The Civil Rights Act
The Equal Opportunity Act
The federal Fair Housing Act of 1988
Devon is a licensee who has lived in the community in which he works his whole life. He feels especially confident in his ability to inform clients about the area. While working with one buyer who has expressed interest in a home, he lets the buyer know that schools nearby have experienced much lower test scores lately. “If I were you, I would be concerned about how these scores may end up affecting property values in the future,” Devon shares. What is Devon in violation of with this statement?
Blockbusting
Gerrymandering
Redlining
Steering
Fair housing complainant Logan filed a federal fair housing complaint against real estate licensee Rich for racial steering. Logan may also file suit at his own expense in the federal district court or the state court within two years of the alleged violation, provided that _______.
He has not signed a conciliation agreement
He has permission of the Office of Fair Housing
He has the signed recommendation of an administrative law judge
He is not looking for punitive damages
HUD’s Office of Fair Housing and Equal Opportunity, along with its partners in the Fair Housing Assistance Program, investigates approximately _______ housing discrimination complaints every year.
10,000
20,000
5,000
50,000
What is NAR’s position on buyer love letters to sellers?
They should be included to increase the buyers’ chance for an accepted offer.
They should be shared with the listing broker only.
They should be written by the buyer, not the licensee.
They should not be provided.