Podcast
Questions and Answers
What does the Civil Rights Act of 1866 apply to?
What does the Civil Rights Act of 1866 apply to?
Which of the following is NOT addressed by the Civil Rights Act of 1964?
Which of the following is NOT addressed by the Civil Rights Act of 1964?
What significant coverage was added in the Civil Rights Act of 1968?
What significant coverage was added in the Civil Rights Act of 1968?
What practice does a lender who imposes a loan limit in a specific area exemplify?
What practice does a lender who imposes a loan limit in a specific area exemplify?
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Which act is focused on financial institutions meeting community needs?
Which act is focused on financial institutions meeting community needs?
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Which act was enacted to expose incidents of redlining?
Which act was enacted to expose incidents of redlining?
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Which act gives consumers the right to correct inaccurate credit file information?
Which act gives consumers the right to correct inaccurate credit file information?
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What does the Unruh Civil Rights Act prohibit?
What does the Unruh Civil Rights Act prohibit?
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Which of the following acts does NOT discuss housing discrimination?
Which of the following acts does NOT discuss housing discrimination?
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The California Fair Employment and Housing Act primarily addresses which area?
The California Fair Employment and Housing Act primarily addresses which area?
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Study Notes
Fair Lending Practices
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Civil Rights Act of 1866
- Applies exclusively to race.
- Covers all property transactions without exceptions.
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Civil Rights Act of 1964
- Addresses sex discrimination.
- Prohibits discrimination in housing, including those using federal funds.
- Does not specifically protect against discrimination towards the handicapped.
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Civil Rights Act of 1968 (Federal Fair Housing Act)
- Applicable solely to housing.
- Expanded to include protections based on familial status.
- Explicitly prohibits redlining practices.
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Unlawful Lending Practices Example
- A lender's refusal to loan more than $80,000 in specific areas illustrates redlining.
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Community Needs Legislation
- The Community Reinvestment Act mandates financial institutions to meet local community needs.
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Legislation Against Redlining
- The Home Mortgage Disclosure Act was enacted to reveal instances of redlining.
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Consumer Rights in Credit Reporting
- The Fair Credit Reporting Act grants consumers the right to correct inaccuracies in their credit files.
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State Anti-Discrimination Legislation
- The Unruh Civil Rights Act prohibits any discriminatory conduct by businesses.
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California’s Redlining Protection
- The Housing Financial Discrimination Act specifically bans redlining practices within California.
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Real Estate Broker Regulations in California
- California Business and Professions Code and Commissioners Regulation 2780 collectively prohibit discrimination by real estate brokers.
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Description
Test your knowledge on fair lending practices and important civil rights legislation, including the Civil Rights Acts of 1866, 1964, and 1968. This quiz highlights issues such as discrimination in housing and unlawful lending practices like redlining. Explore how legislation aims to protect consumer rights and meet community needs.
