Study (Principles 1) Fair Housing and Ethical Practices Flash Cards

 
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(Principles 1) Fair Housing and Ethical Practices

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Complaints of discrimination brought under the Civil Rights Act of 1866 must be taken directly to a federal court T/F?
T
Federal fair housing laws permit which of the following?
None of the Above
In a fair housing discrimination suit, it will NOT help the broker's case to cite past service he or she performed on behalf of the protected class initiating the suit T/F?
T
How long after a discriminatory action does an aggrieved party in a discrimination dispute have to bring a private enforcement action in state or federal district court?
Two Years
If no conciliation agreement is reached in a discrimination dispute during the 100-day investigatory period, the Texas Workforce Commission Civil Rights Division must dismiss the complaint T/F?
F
Which family is NOT protected under the familial status provisions of the Fair Housing Act?
A 55-year-old father, 40-year-old mother, and 17-year-old son who want to purchase a home in an age-restricted adults-only community
Which is designed to make credit available to every financially qualified applicant?
Equal Credit Opportunity Act (ECOA)
Which prohibits all discrimination based on race in any real estate transaction without exception?
Civil Rights Act of 1866
Someone bringing a fair housing discrimination complaint must prove that the defendant intended to discriminate T/F?
F
The BEST method for brokers to avoid discrimination violations is to know the fair housing laws and stay current with changes to those laws T/F?
T
Drug abusers and people who pose a threat to public health and safety are NOT protected under the handicap classification of the Fair Housing Act T/F?
T
Which aspect of the Canons of Professional Ethics and Conduct requires the broker or salesperson to employ prudence and caution in the discharge of his or her duties so as to avoid misrepresentation?
Prudence
An aggrieved person who believes illegal discrimination has occurred may file complaint within how long of alleged discriminatory act?
One year
State courts in Texas are required to enforce deed restrictions, even if the provisions made therein could be considered discriminatory T/F?
F
The federal Fair Housing Act of 1968
prohibits discrimination in residential housing based on race, color, national origin, and religion
Under the Federal Fair Housing Act of 1968, a lender may NOT do which because someone is in a protected class?
Deny a home loan or alter it's terms or conditions
Exemptions to the Fair Housing Act apply whether or not discriminatory advertising has been used T/F?
F
State and local laws protect only those classes covered under the federal fair housing laws T/F?
F
Statements like "the neighborhood is changing," made by brokers to homeowners, are too general to be considered blockbusting by the courts
T/F?
F
Under the 1988 amendment to the Fair Housing Act, tenants with disabilities may make their apartments more accessible at the landlord's expense T/F?
F
Under the federal Fair Housing Act, you may NOT do which of the following?
All of the Above
A complaint of discrimination brought under the Texas Fair Housing Act can be filed with the U.S. Department of Housing and Urban Development or with the
Texas Workforce Commission Civil Rights Division
Making cuts in curbs and lowering telephones and drinking fountains are responses to the
Americans with Disabilities Act of 1990
Advertising that uses these words or phrases would be considered unacceptable
No children under six years of age
Which aspect of the Canons of Professional Ethics and Conduct requires a real estate agent to represent interests of his or her client?
Fidelity
An aggrieved party with fair housing complaint may bring private enforcement action in federal district court within five years of discriminatory action T/F?
F
Federal Fair Housing Act of 1968, which is contained in Title VIII of the Civil Rights Act of 1968 , makes it unlawful to discriminate on basis of race, color, sex, religion, or national origin when selling or leasing residential property only T/F?
F
If building is for sale, rent, or inspection, it is a violation of the Fair Housing Act to represent that it is not T/F?
T
The ADA requires that employers with 15 or more employees make all necessary accommodations for individuals with disabilities T/F?
F
Although Fair Housing Act of 1968 permits some fair housing exemptions, the 1866 law prohibits all racial discrimination without exception T/F?
F
Someone bringing discrimination complaint may NOT have to prove that defendant intended to discriminate T/F?
T
Housing for older persons is exempt from compliance with familial status fair housing legislation if it is occupied solely by persons age 62 and older T/F?
T
Home Mortgage Disclosure Act prohibits "redlining" T/F?
T
Steering, sometimes referred to as panic peddling , means inducing homeowners to sell by making representations regarding entry or prospective entry of minority persons into neighborhood T/F?
T
It is a violation of fair housing laws to refer buyer or seller to an agent of the same minority group T/F?
T
Landlords can restrict number of occupants or advertise "adults only" with the intent or effect of eliminating families with children as long as they do NOT do so on basis of race T/F?
F
Individuals who have been convicted of illegal manufacture or distribution of controlled substance are NOT protected under 1988 amendment to federal Fair Housing Act of 1968 T/F?
T
All real estate transactions are governed by federal fair housing laws T/F?
F
If licensee commits an act of housing discrimination, he or she is subject to potential civil action as well as license suspension or revocation T/F?
T
Equal Credit Opportunity Act (ECOA) is designed to make credit available to every financially qualified applicant T/F?
T
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