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16 Cards in this Set
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A refusal to make reasonable accommodations in rules, policies, practices, or services when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling is one definition of: Fair Housing redlining blockbusting discrimination |
A: discrimination Discrimination is the correct term in this case, the broad term to describe all types of discriminatory acts. Discrimination can occur if its a violation of Federal, State, or Local Fair Housing Laws; or if a violation of ADA laws and statues. |
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The illegal activity that occurs when competing brokers get together to set commission rates is called: price-fixing group boycotts redlining blockbusting |
A: price-fixing Price-fixing is the situation of competing brokers getting together to set commission rates, and is a violation under the Sherman Anti-Trust Act, which is enforced by the Federal Trade Commission. |
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A broker has listed 1.65 acres of land at $ .205 per square foot. What is the selling price? 14734.17 15000 14134.17 21150 |
A: 14734.17 43560 (Feet in one acre) X 1.65 (acres of land) = 71874 (square feet), X .205 (cost per square foot) = $14,734.17 (selling price) |
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Actions that are illegal by federal and state fair housing laws include: offering advantageous loan terms to first time home buyers refusing to show certain residential property to non-English speaking home seekers showing all residential properties to a non-English speaking home seeker |
A: refusing to show certain residential property to non-English speaking home seekers Steering and redlining are both illegal practices. Racial steering refers to the practice in which real estate brokers guide prospective home buyers towards or away from certain areas based on their race. Redlining is the practice of denying or increasing the cost of services such as banking, insurance, access to jobs, access to health care,or even supermarkets to residents in certain, often racially determined areas. |
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Brokers are required to: display the fair housing poster in their place of business take affirmative marketing action in advertising take affirmative marketing action in individual canvassing all of the above |
A: all of the above Brokers are required to display the fair housing poster and take affirmative action in marketing and advertising. |
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A black homebuyer inquires about a home in a predominantly white residential neighborhood. What should the broker say to the buyer? "You don't want to live there because the residents are trying to preserve their racial quotas." "I'll be happy to show you areas where black people are welcome." "The residents have expressed a desire to keep the neighborhood homogeneous with no minorities." "I'll show you any house in which you're interested." |
A: "I'll show you any house in which you're interested." A real estate broker may never discriminate under any circumstance, and cannot "steer" prospective buyers to a location. The broker should say I'll show you any home in which you are interested. |
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If a seller tells an agent that he only wants to sell his property to a particular race. The broker should: Refuse to take the listing Comply with the seller's wishes Say he/she must consult with his broker before making a decision Take the listing but ignore the seller's request |
A: Refuse to take the listing Anything else would be a violation of fair housing laws. Real estate agents are required to follow all Federal, State, and Local fair housing laws. |
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A real estate licensee went into a neighborhood to obtain listings of residential property. He made representations that because of the entry into the neighborhood of minority groups, property values would be reduced by a decline in the quality of schools and an increase in the crime rate. These practices by the licensee are: Permissible if the representations are true Grounds for disciplinary action Unethical, but beyond the jurisdiction of the Real Estate Commissioner Justified if his activities do not decrease property values for the |
A: Grounds for disciplinary action Such activities would be defined as blockbusting (panic peddling) which is against the fair housing laws. Therefore, the licensee could have his license suspended, censured, revoked or be required to take some retraining on fair housing by the Real Estate Commissioner. |
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Refusing to make mortgage loans or issue insurance policies in specific areas for reasons other than an applicant’s financial qualification is: red steering redlining unfavorable okay, so long as no one complains |
A: redlining Redlining is discrimination and is illegal. The practice was very prevalent prior to 1960 when mortgage or insurance companies would draw boundaries on the map in red ink and refuse to elevate the costs considerable to loan or insure properties within that restricted area. |
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The illegal practice of inducing homeowners to sell their properties by making representations about the prospective entry of persons of a certain race/national origin into the neighborhood is also called: redlining blockbusting commingling steering |
A: blockbusting Think of "blockbusting" as "busting up a block" by trying in induce or force people to move out of their neighborhood to allow others who are "different" to move in. Blockbusting is also known as Panic Peddling. |
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The 42nd U.S. Code, Section 1982 bans all racial discrimination as a result of the outcome of the “Jones vs. Mayer Case”. Constitutionality for this rests on the: Fifth amendment Thirteenth amendment Fourteenth amendment Twenty-fourth amendment |
A: Thirteenth amendment Jones vs. Mayer is a United States Supreme Court case which held that Congress could regulate the sale of private property in order to prevent racial discrimination: "42 U.S.C. § 1982 bars all racial discrimination, private as well as public, in the sale or rental of property, and that the statute, thus construed, is a valid exercise of the power of Congress to enforce the Thirteenth Amendment." |
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This illegal activity is a conspiracy to boycott a firm and drive it out of business. This is known as: price-fixing redlining blockbusting group boycotts |
A: group boycotts Group boycotts happen when a group conspires to drive a company out of business by boycotting it. An example of group boycotting would be for someone to stand up at a company sales meeting and say all of our agents must use this title company or this mortgage company; that would be group boycotting because you are eliminating the competition. |
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Under federal law, a landlord may properly refuse to: rent to pregnant women allow visually handicapped tenants to keep guide dogs because pets are not allowed rent to anyone younger than age 55 because the units are intended for the elderly and 80 percent of the units have a tenant older than 55 years of age rent to persons having AIDS |
A: rent to anyone younger than age 55 because the units are intended for the elderly and 80 percent of the units have a tenant older than 55 years of age The requirement is that 80% of the units are occupied by people 55 years of age or older, and the housing is specifically designed for elderly occupancy. |
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Who does not have to display an Equal Opportunity Housing sign? An owner selling his own property A broker selling single-family dwellings A real estate office in a subdivision A manager of an apartment house |
A: An owner selling his own property As of May 1, 1972 the Equal Opportunity poster must be displayed by brokerage offices, model homes, mortgage lenders and so on. Equal opportunity housing laws do not apply to the sale of a business. Apartment buildings are also required to post Equal Opportunity signage. |
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In compliance with the ADA, all architectural barriers in existing facilities must be removed: if removal is "readily achievable" even if at great expense only if someone complains when you hire disabled persons |
A: if removal is "readily achievable" "Readily achievable" means, able to be carried out without much expense. |
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Where property is subject to deed restrictions prohibiting it from being sold to an African-American person; the sale of said property would be:
void, but the restriction is enforceable valid, but the restriction is unenforceable the restriction would prevail, and the property could not be conveyed the restriction is unenforceable, unless the deed indicates the race of the purchaser |
A: valid, but the restriction is unenforceable The deed would be valid and title would be conveyed. The restriction in the deed relating to discrimination would be unenforceable. No restriction can violate Federal, State, or Local laws |
