Questions and Answers
Which activities are banned under the Fair Housing Act (FHA)?
How does the Fair Housing Act (FHA) affect your marketing and advertising as a real estate agent?
The FHA bans the use of discriminatory language in marketing or advertising.
What is one way to avoid steering?
Asking clients to specify cross streets in locations they are interested in.
Which of the following places would NOT be considered a public accommodation under the ADA?
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Do lenders have to follow the terms of the Fair Housing Act (FHA)?
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What is 'redlining'?
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Which activity is banned under the Fair Housing Act (FHA)?
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The 1974 update to the Fair Housing Act (FHA) banned discrimination based on which category?
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What did the Fair Housing Act prohibit after the 1988 amendment?
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Which law states that owners of owner-occupied buildings with four or fewer units are not bound by the terms of the Fair Housing Act?
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What are punitive damages?
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The 1988 amendments to the Fair Housing Act protected which group from housing discrimination?
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If HUD discovers discrimination, how long do the parties have to decide if they want to go to court?
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How is the ADA divided?
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What is the penalty for the first offense of discrimination under FHA?
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Study Notes
Fair Housing Act (FHA) Overview
- Bans discriminatory real estate practices based on race, color, national origin, religion, sex, familial status, or disability.
- Real estate agents must avoid discriminatory language in marketing and advertising.
- Activities such as making false statements about a property's availability are prohibited.
Steering and Equal Opportunity
- To avoid steering, real estate agents should ask clients for specific cross streets of interest, ensuring unbiased guidance in home selection.
Public Accommodations under ADA
- Private homes, specifically single-family homes, are exempt from the Americans with Disabilities Act (ADA).
Lender Obligations
- Lenders are required to adhere to the terms of the FHA, ensuring fair lending practices.
Redlining Explained
- Redlining is a discriminatory practice where lenders refuse loans based on demographics of a specific area.
Expansion of FHA Provisions
- The FHA was amended in 1974 to prohibit sex-based discrimination.
- Furthermore, the 1988 amendment expanded protections to include individuals with disabilities.
Mrs. Murphy's Law
- This law allows owners of owner-occupied buildings with four or fewer units to be exempt from FHA compliance, enabling them to choose tenants based on personal criteria.
Punitive Damages
- In cases of discrimination found by HUD, punitive damages may be awarded to the victim alongside coverage of incurred costs.
Timeline for Legal Decisions
- Parties have 20 days to choose whether to proceed to court after HUD discovers discrimination, after which cases are handled differently.
Titles of the ADA
- The ADA is divided into five specific titles, addressing different areas of public accommodation and disability rights.
Penalties for Discrimination
- First-time offenders of FHA violations may face penalties up to $16,000, with increased penalties for subsequent offenses.
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Description
Test your knowledge on the Fair Housing Act (FHA) and related concepts such as discrimination in real estate, lender obligations, and redlining. This quiz covers important regulations that promote equal opportunity in housing. Assess how well you understand these crucial laws and their implications.
