Which agency is charged with enforcing fair housing laws and holding all parties accountable for compliance with these laws and regulations?
Office of Civil Rights
Office of Equal Credit Opportunity
Office of Fair Housing and Equal Opportunity
Office of Housing and Community Development
What is true when state and federal laws differ?
State and local law override federal law.
State lawmakers decide which law prevails.
The conflicting law is invalidated, effectively removing the law’s requirements.
The state law may not remove rights granted to citizens under the federal law.
Which decision stated that separate facilities for blacks and whites were constitutional as long as they were “equal”?
Brown vs. Board of Education
Buchanan vs. Warley
Jones vs. Mayer
Plessy vs. Ferguson
Title VIII of which law prohibits discrimination in the sale, rental, and financing of housing?
Civil Rights Act of 1866
Equal Credit Opportunity Act of 1974
Fair Housing Act of 1968
Housing and Community Development Act of 1974
If a landlord refuses to rent an apartment to two single women who live together, this is discrimination on the basis of what federally protected class?
Familial status
Lifestyle
Same sex relationship
Sex
A landlord refuses to show or rent an apartment to someone who is not Christian or Jewish. What type of discrimination is this?
Disability discrimination
Familial status discrimination
Racial discrimination
Religious discrimination
As a stipulation of a specific act, lenders must offer reasons when rejecting loan applications and must respond to all applications within 30 days. What’s the name of this act?
Americans with Disabilities Act of 1990
Equal Credit Opportunity Act of 1974
Fair Housing Amendments Act of 1988
Federal Fair Housing Act of 1968
Which of these situations does the Americans with Disabilities Act address?
Marcus, a property manager, routinely dismisses rental applications from families with children under the age of 18.
Meridian Apartments provides a gym and pool area for residents, but it’s not accessible to residents who use wheelchairs.
Metro Agents hired an interpreter to assist Spanish-speaking clients with the real estate process.
The Golden Gate senior housing center has no exercise or activity center for its residents.
Your client submits an application to rent a condo unit. He has excellent credit and has had the same job for a long time. He uses a cane to help with his mobility. When his application is rejected, he feels it’s due to his disability. He is protected under what federal law?
Civil Rights Act of 1866
Fair Housing Amendments Act of 1988
Federal Fair Housing Act of 1968
Housing and Community Development Act of 1974
What is the length of the statute of limitations to file a fair housing complaint with HUD?
10 years
Five years
One year
Seven years
What protected class is involved when there is discrimination due to a person being lighter-skinned or darker-skinned?
Color
Familial status
National origin
Race
Which U.S. Supreme Court decision consolidated five cases involving the constitutionality of state-sponsored segregation in public schools?
Brown vs. Board of Education
Buchanan vs. Warley
Jones vs. Mayer
Plessy vs. Ferguson
In case history regarding fair housing, which case involved an ordinance that prohibited blacks from living on a block where the majority of the residents were white?
Brown vs. Board of Education
Buchanan vs. Warley
Jones vs. Mayer
Plessy vs. Ferguson
Which agency enforces fair housing law?
FFA
FHEO
NFHA
NHA
Which protected class refers to a group of people who share common characteristics, typically physical characteristics, such as skin color?
Familial status
National origin
Race
Religion
A homeowner has converted two rooms in his home to a rental unit. What does the “Mrs. Murphy” exemption permit him to do?
Advertise for a tenant of a specific race.
Move out of the property and rent both portions of it, relying on the “Mrs. Murphy” exemption to permit renting only to single females.
Refuse to rent to a female tenant.
Use the services of a real estate professional to advertise for a male tenant.
Which of these scenarios is legal?
A homeowner makes a room available for rent in her residence, but only interviews female applicants.
A property manager refuses to show a property to a blind person with a guide dog because the property does not allow pets.
A selling agent does not respond to a request to view a listed property because the person’s accent in the voicemail is very thick.
The sellers refuse to consider an offer from someone who looks like a man wearing women’s clothing, because they don’t think the neighbors would be happy if they sold their house to someone who might be transgender or gay.
A mortgage lender has landed in hot water for fair housing discrimination. Which of these actions might have gotten the lender in trouble?
Denying a loan based on income-to-credit ratio
Denying a loan that was pre-approved after the mother stops working to care for her baby
Imposing different interest rates based on credit scores
Refusing to provide literature about loans to consumers with poor English language skills
Individuals who experience housing discrimination are provided the opportunity to file a complaint based on the provisions of which act?
Americans with Disabilities Act of 1990
Civil Rights of 1866
Fair Housing Act of 1968
Fair Housing Amendments Act of 1988
Contrary to federal fair housing laws, the state where Katrina lives includes age as a protected class. Which of these statements about this conflict is true?
Katrina can follow either the federal or the state law as long as she is consistent.
Katrina is permitted to follow whichever law is least restrictive.
Katrina must follow federal law for any federally related transaction.
Katrina must follow the more restrictive of federal or state law.
Which of these situations would be exempt from most provisions of the federal Fair Housing Act?
A homeowner engages a real estate professional to rent out his basement apartment.
An investor owns and rents out five duplexes.
A non-profit owns 20 properties that are rented to lower-income renters.
The local Elks club owns a property that’s rented only to Elks club members.
A licensee refuses to show homes in a neighborhood with an aging demographic to a young unmarried couple with three young children. Which protected class status applies?
Age status
Familial status
Marital status
Partnership status
Which act provides consumers with remedies if they become victims of discrimination in the sale, rental, or financing of housing?
Civil Rights Act of 1866
Equal Credit Opportunity Act of 1974
Fair Housing Amendments Act of 1988
Housing and Community Development Act of 1974
The Office of Fair Housing and Equal Opportunity is a part of which federal department?
CIA
HHS
HUD
NHA
Which protected class is protected against discriminatory practices, such as against placing limitations on the number or age of children in the residence?
Familial status
Marital status
National origin
Partnership status
Which of these is something that is NOT requested in the initial fair housing complaint form?
A description of the alleged discrimination
A notarized copy of the complaint description
The applicable protected class of the complainant
The physical location of the discrimination event
Which act created the Office of Fair Housing and Equal Opportunity under the Department of Housing and Urban Development?
Americans with Disabilities Act of 1990
Equal Credit Opportunity Act of 1974
Federal Fair Housing Act of 1968
Housing and Community Development Act of 1974
A licensee told a family who doesn’t attend church that she didn’t know of any properties that would meet their needs, even though that wasn’t true. What protected class is the licensee discriminating against?
Familial status
National origin
Religion
Sex
In what year was the Americans with Disabilities Act made law?
1950
1978
1988
1990
Which type of property is exempt from the Fair Housing Act?
Condominium with no more than eight units
Condominium with no more than four units
Owner-occupied with no more than eight units
Owner-occupied with no more than four units
A family with two young children is denied the opportunity to view an available unit in housing intended for older persons. Which of the following statements is true?
The federal Fair Housing Act allows an exemption for communities that are designed and operated for older persons.
The federal Fair Housing Act allows an exemption for communities that don’t have playgrounds or play areas for children.
This is a violation of the federal Fair Housing Act because it discriminates on the basis of age.
This is a violation of the federal Fair Housing Act because it discriminates on the basis of familial status.
A husband and wife both consider themselves to be African American, although the wife has much darker skin than her husband. When the wife went to the Valley Falls apartment manager’s office to request a rental application, she was told there were no vacancies. The husband went in a day later and received an application. This may be discrimination based on ______.
Color
National origin
Race
Sex
If a private individual owner owns fewer than three single-family homes at one time, which exemption from the Fair Housing Act could apply?
Housing designated for senior use
“Mrs. Murphy” exemption
Owner-occupied buildings with no more than six units
Single-family housing sold or rented without the use of a broker
Which fair housing case tested discrimination in a private sale?
Brown vs. Board of Education
Buchanan vs. Warley
Jones vs. Mayer
Plessy vs. Ferguson
The Housing and Community Development Act of 1974 added which protected class to federal fair housing law?
Color
Disability
Religion
Sex
Prior to a certain act’s existence, there was no legal protection for women who endured sexual harassment from landlords and sellers when they attempted to obtain housing. What’s this act called?
Civil Rights Act of 1866
Fair Housing Amendments Act of 1988
Federal Fair Housing Act of 1968
Housing and Community Development Act of 1974
Which of these actions is legal?
A landlord offers an apartment to a woman only if she goes out with him.
A landlord refuses to show or rent an apartment to someone who is not Christian or Jewish.
A landlord requires a larger deposit for each child who will be living in the home.
A man advertises for a roommate to share his two-bedroom apartment and specifies that he prefers female roommates.
Real estate licensees who want to uphold the Fair Housing Act should make a habit out of which of the following actions?
Disclose their protected status to all clients.
Present sellers with offers from people of the same class so they don’t ask the licensee to discriminate.
Show buyers properties in neighborhoods where they are unlikely to experience discrimination.
Tell potential clients in their initial meeting that they are committed to upholding fair housing laws.
Which of these statements best represents what happens after a federal fair housing complaint is made?
A fair housing specialist will review the complaint.
An official housing discrimination complaint will be filed, and a fair housing specialist will be assigned to the case.
FHEO will contact the alleged perpetrator to gather information.
HUD will review the complaint to determine if it’s valid.
Which act was the first to prohibit any exceptions for discrimination based on race or color?
Civil Rights Act of 1866
Fair Housing Amendments Act of 1988
Federal Fair Housing Act of 1968
Housing for Older Persons Act of 1995
A fair housing specialist is reviewing fair housing complaints. Which of these contains an action that is prohibited?
An appraiser inflates the value of a property because the person buying the property stole his girlfriend in high school.
A pregnant woman was not given the opportunity to rent a room in a three-bedroom house because the owner doesn’t want to live with a baby.
A real estate professional doesn’t respond to any requests to view a property.
A transgender woman is evicted from a rental property because she makes the neighbors uncomfortable.
Which of these statements accurately describes finance- and housing-related legislation?
As a stipulation of the Housing and Community Development Act, lenders must offer reasons when rejecting loan applications and must respond to all applications within 30 days.
The Americans with Disabilities Act added familial status and disability (both physical and mental) to the existing protected classes.
The Equal Credit Opportunity Act of 1974 required lenders to provide consumers with equal access to credit and prohibited credit discrimination based on just the three protected classes of race, color, or national origin.
The Fair Housing Act of 1968 prohibited discrimination in the sale, rental, and financing of housing based on race, color, religion, or national origin.
How does the Office of Fair Housing and Equal Opportunity support real estate consumers?
The FHEO conducts regular audits of licensee advertising activities for fair housing violations.
The FHEO makes loans available to first-time homebuyers.
The FHEO provides financing education for future homeowners.
The FHEO provides support for protected classes through the fair housing complaint process.
A landlord with a strict “no pets” policy won’t rent to a woman who uses a service animal to assist with her epilepsy. Which of the following is a true statement about this situation?
This is discrimination based on disability.
This is discrimination based on familial status.
This isn’t discriminatory because service animals are restricted to the vision-impaired.
This isn’t discriminatory if the “no pets” policy is universally applied.
Which agency enforces Title II under the Americans with Disabilities Act of 1990, when it relates to state and local public housing, housing assistance, and housing referrals?
Department of Civil Rights
Department of Equal Opportunity
Department of Housing and Community Development
Department of Housing and Urban Development
In what way did the Supreme Court case of Brown vs. Board of Education affect the way fair housing laws are implemented today?
The court found that racially segregated school buses were unconstitutional.
The court legalized racial segregation through the “separate but equal” doctrine.
The court’s decision made segregated school boards illegal.
The decision overturned the doctrine of “separate but equal.”
Which act states that communities and facilities that meet certain criteria for providing housing to older persons are legally exempt from familial status discrimination?
Fair Housing Amendments Act of 1988
Federal Fair Housing Act of 1968
Housing and Community Development Act of 1974
Housing for Older Persons Act of 1995
Why did the Civil Rights Act of 1866 fail to have an immediate impact on practice?
It was unconstitutional.
Nobody understood the Civil Rights Act.
The protected classes had to be approved.
There was no agency put in place to enforce the laws.
7sect.unit2.CeSh.PreLic.Qonly.txt
What is the practice of not allowing mortgage lending in certain areas that the lender deems to be “risky”?
Blockbusting
Gerrymandering
Redlining
Steering
Which of these is an example of blockbusting?
A lender withholds mortgage loans in areas considered demographically risky.
A licensee convinces a homeowner to sell immediately because a demographic shift is occurring in the neighborhood.
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.
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.
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
How should a licensee respond if seller clients make a request that is a fair housing violation?
“I can’t technically do that, but I could choose to advertise only in publications that target a white readership.”
“I’m sorry that you feel that way. I am obligated to obey the requests of my clients, but I’m going to need you to write up your request and sign it, so there’s no way I can get in trouble for fair housing violations.”
“It would be illegal to limit the search based on race or religion or anything like that, but I promise I’ll find you the most qualified buyer I can, and we’ll sell this house for the highest price possible.”
“Let’s keep this off the record. As long as we can come up with other reasons to disqualify the buyers you don’t want, we’ll be okay. We just need to make sure it looks legitimate from the outside.”
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.
Which act attempted to eliminate discrimination caused by blockbusting, steering, and redlining?
Civil Rights Act of 1866
Fair Housing Act of 1968
Housing Discrimination Act of 1974
HUD Act of 1961
How should a licensee respond if a buyer client makes a request that may be a fair housing violation?
“I can screen neighborhoods based on good school districts for you. That usually means you’ll end up in the kind of neighborhood you want.”
“If you provide me with specific kinds of people you want to avoid, I can screen the properties more closely.”
“If you provide me with specific neighborhood names, I can certainly look for homes in those areas. You can learn about the different neighborhoods in the area at neighborhoodscout.com.”
“Let’s keep this off the record. We just need to make sure it all looks legitimate from the outside.”
A licensee told a family who doesn’t attend church that she didn’t know of any properties that would meet their needs, even though that wasn’t true. What protected class is the licensee discriminating against?
Familial status
National origin
Religion
Sex
How can a real estate professional avoid being asked to violate fair housing laws?
Let consumers know up front that you adhere to fair housing laws.
Only work with clients who are the same race as you.
Quiz clients on their views about protected classes.
Require your clients to complete training on fair housing laws.
Where should a licensee report threats of violence for refusing to violate fair housing law?
HUD
Law enforcement officials
The governor’s office
The National Fair Housing Alliance
A licensee refuses to show homes in a neighborhood with an aging demographic to a young unmarried couple with three young children. Which protected class status applies?
Age status
Familial status
Marital status
Partnership status
What discriminatory lending practice by lenders resulted in the destruction of whole neighborhoods, with perfectly good housing left abandoned?
Blockbusting
Gerrymandering
Redlining
Steering
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
Your client tells you to do something that would violate fair housing laws, but you will earn an amazing commission. What should you do?
Explain that you cannot do it, because it’s a fair housing violation, and you could both get into trouble for doing what she’s asked.
Immediately fire her as your client and report her as a violator of federal fair housing laws.
Try to talk her out of it, but then go along with what she asks. If you don’t, someone else will, and then they’ll get to cash that giant check.
You should do what she asks. As your client’s agent, you owe her the duties of loyalty and obedience above all.