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12 Cards in this Set
- Front
- Back
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The primary focus of the Fair Housing Laws are to: |
Protect the public, prospective renters, and buyers of real estate from discrimination |
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- enacted in 1866. It prohibits discrimination based on race in the purchase, sale, or lease of real property. It covers only race as a protected class and applies to everyone. |
Civil Rights Act of 1866 |
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In mortgage lending, no one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap (disability): |
- Refuse to make a mortgage loan
- Refuse to provide information regarding loans
- Impose different terms or conditions on a loan, such as different interest rates, points, or fees. |
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- directing homebuyers toward or away from homes |
Steering or Channeling |
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- inducing owners to sell by telling them that persons of a protected class are moving in |
Blockbusting |
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- refusing mortgage financing or insurance based on a specific geographical location, age of property, the income level of the residents, or the racial composition of the area. |
Redlining |
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There are NO exceptions or excuses for______ in the Fair Housing Laws. |
racial discrimination |
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Americans With Disabilities Act (ADA) |
enacted in 1990 with purpose of removing barriers for people with disabilities. examples: - Wheelchair ramps - Support bars in restrooms - Handicap parking spaces (at least 1 for every 25 regular spaces)
Owners of small businesses serving public MUST remove physical barriers that are readily achievable (easy to accomplish w/o difficulty or expense) |
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Enforcement of Federal Fair Housing Laws
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- pay the Federal Government a civil penalty. Max $16,000 for 1st violation & $70,000 for 3rd within 7 years. |
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Florida law DOES NOT consider these to be material fact or defect... |
site of murder, death or suicide. Or person once lived there with HIV or AIDS. |
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Whatever the question, there is only one acceptable answer to any questions regarding protecting classes. That answer is... |
"I am prohibited by federal law from discussing race, color, religion, national origin, gender, handicap and familial status." |
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# 74.) D. No Unemployed |
Fair Housing Advertising Word and Phrase List |
