Real Estate Practice - Chapter 19: Fair Housing
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Questions and Answers
- 1.
Blockbusting is the discriminatory and illegal act of leading or guiding real property purchasers to particular areas of a community or even keeping them away from other areas of a community.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
This is the definition of Steering.
Blockbusting is the discriminatory and illegal act of persuading or soliciting real property owners to sell their property based on the possible or probable entrance of minority persons into a neighborhood. Also known as panic selling.Rate this question:
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- 2.
The underlying motivation for blockbusting would be for a real estate agent to try to create more listings and sales in an attempt to make more money. By suggesting or even implying that a change in the composition of the community would bring a decline in property value or school quality, or an increase in crime or undesirable conditions, would be an attempt to incite fear in property owners based upon personal greed.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The explanation for the given correct answer is that blockbusting is a practice where real estate agents try to create fear and panic among property owners in order to convince them to sell their properties at lower prices. This is done with the intention of profiting from the sales and commissions. By implying that a change in the community's composition would lead to negative consequences such as a decline in property value or school quality, or an increase in crime, the real estate agent is trying to exploit the fears and concerns of property owners for their own financial gain.Rate this question:
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- 3.
The discriminatory and illegal act of guiding real property purchasers to particular areas of a community or even keeping them away from other areas of a community is known as redlining.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
This is known as Steering.Rate this question:
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- 4.
Redlining even involved insurance companies refusing to issue property insurance in certain areas of a community for reasons based on an excessive number of fires rather than on the merits of individual applicants.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
It is the unlawful practice of refusing real estate related services based on teh location of a person's real property.Rate this question:
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- 5.
The failure of a real estate agent to ask two different buyers the same quality and quantity of questions regarding their ability to purchase a home could be considered grounds for a complaint of discrimination.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The explanation for the given correct answer is that if a real estate agent asks different sets of questions to different buyers based on their race, ethnicity, or any other protected characteristic, it can be seen as discriminatory behavior. Discrimination in the housing market is illegal and can lead to complaints and legal consequences for the agent. Therefore, it is important for real estate agents to treat all buyers equally and ask the same quality and quantity of questions to ensure fairness and avoid any potential discrimination.Rate this question:
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- 6.
Various agencies of the federal government and other organizations send out testers who are persons disguised as buyers to make sure that sellers are following the provisions of the Sellers Property Disclosure Statement.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Testers are sent disguised as buyers and seller to observe from first hand experience whether Fair Housing is put into practice.Rate this question:
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- 7.
The oldest Fair Housing laws that prohibit discrimination based on race go back as far as 1968.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The Civil Rights Act of 1866 was the earliest federal law prohibiting discrimination based on race.Rate this question:
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- 8.
Another name for the Civil Rights Act of 1968 is the Fair Housing Act.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The Civil Rights Act of 1968 is also known as the Fair Housing Act. This act was passed to prohibit discrimination in the sale, rental, and financing of housing based on race, religion, national origin, and sex. It aimed to provide equal housing opportunities for all individuals and promote fair housing practices. Therefore, the statement that another name for the Civil Rights Act of 1968 is the Fair Housing Act is true.Rate this question:
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- 9.
The Civil Rights Act of 1968 prohibits discrimination based on color, race, religion, national origin, and sex.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Prohibition of discrimination based on sex did not pass Congress until 1974 with the passage of the Housing and Community Development Act.Rate this question:
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- 10.
The factor of familial status (family status) was included in the federal housing laws in particular to prevent discrimination against families with children or pregnant women who were being denied the opportunity to purchase or rent housing. Because of the Fair Housing Amendments Act, it is unlawful today to advertise "adults only".
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The explanation for the correct answer is that the factor of familial status was included in federal housing laws to prevent discrimination against families with children or pregnant women. This means that it is unlawful to advertise "adults only" housing, as it goes against the Fair Housing Amendments Act.Rate this question:
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- 11.
In the 1968 Brown vs. Board of Education (Topeka, Kansas), the United States Supreme Court ruled that there are no special exemptions or exceptions for discrimination based on race.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The Supreme Court case was Jones vs. Mayer.
A later 1987 Supreme Court decision expanded the definition of race to include persons having a certain cultural, language, or physical characteristics in common with a national origin group.Rate this question:
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- 12.
The fair housing law in Pennsylvania is known as the Pennsylvania Human Relations Act of 1955, which prohibits discrimination in the sale or rental of housing, however, it does NOT include commercial real estate.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
The Human Relations Act of 1955 DOES affect commercial real estate as well.Rate this question:
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- 13.
The protected classes of persons for which there can be NO discrimination include: RACE, COLOR, SEX, RELIGIOUS CREED, ANCESTRY, NATIONAL ORIGIN, HANDICAP OR DISABILITY, AGE, FAMILIAL STATUS, DISABILITY OR USE OF A SUPPORT ANIMAL BECAUSE OF BLINDNESS, DEAFNESS, OR pHYSICAL HANDICAP OF USER OR BECAUSE USER IS A HANDLER OR TRAINER OF SUPPORT OR GUIDE ANIMALS.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The statement is true because it states that there can be no discrimination against the protected classes of persons, which include race, color, sex, religious creed, ancestry, national origin, handicap or disability, age, familial status, disability or use of a support animal because of blindness, deafness, or physical handicap of the user, or because the user is a handler or trainer of support or guide animals. This means that individuals belonging to these protected classes should not face discrimination based on these characteristics.Rate this question:
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- 14.
When advertising the sale or rental of real estate, newspapers and real estate offices should avoid the use of certain words such as "adults only", "close to "synagogue" or "family room".
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Family room is acceptable and has been ruled to be non-discriminatory.Rate this question:
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- 15.
In Pennsylvania complaints filed with HUD (Federal Department of Housing and Urban Development) are handled by the Fair Housing Committee of the Pennsylvania Real Estate Commission. An aggrieved party may also seek a remedy for monetary damages through an Adminstrative Law Judge.
- A.
True
- B.
False
Correct Answer
B. FalseExplanation
Complaints filed with HUD are handled by the Pennsylvania Human Relations Commission. An Aggrieved party may also seek a remedy for monetary damages through an Adminstrative Law Judge.Rate this question:
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- 16.
Both HUD and the Pennsylvania Human Relations Commission require that fair housing posters be on display in real estate offices involved in sales or rentals. Failure of a real estate office to display the required poster is grounds for a complaint of discrimination to be filed against the office.
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
Both HUD (U.S. Department of Housing and Urban Development) and the Pennsylvania Human Relations Commission have regulations in place that mandate the display of fair housing posters in real estate offices involved in sales or rentals. If a real estate office fails to display the required poster, it can be reported and a complaint of discrimination can be filed against the office. Therefore, the statement that failure to display the fair housing poster is grounds for a discrimination complaint is true.Rate this question:
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- 17.
The federal law that guarantees all borrowers an equal chance to obtain credit is known as the Equal Credit Opportunity Act (ECOA).
- A.
True
- B.
False
Correct Answer
A. TrueExplanation
The given statement is true. The Equal Credit Opportunity Act (ECOA) is a federal law that ensures all borrowers have an equal opportunity to obtain credit. This law prohibits lenders from discriminating against borrowers based on factors such as race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. The ECOA promotes fairness and equal access to credit for all individuals.Rate this question:
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Mar 29, 2024Quiz Edited by
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Aug 30, 2011Quiz Created by
Sseveland
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