what test to determine whether an advertisement is

Unit 5: Fair Housing Laws Flashcards

Rather than outlaw specific words and phrases from the advertising of real estate, the federal court has established what test to determine whether an advertisement is discriminatory?A)Whether the home being advertised is in an all-white neighborhoodB)How an ordinary reader would interpret the adC)The race and bias of the homeowner or the real estate license holderD)If the ad was seen in a community that was at least 25% minority B)How an ordinary reader would interpret the ad T/F Steering, sometimes called panic peddling, means inducing homeowners to sell by making claims about the entry or prospective entry of minority persons into the neighborhood.False T/F An aggrieved party with a fair housing complaint may bring a private enforcement action in federal district court within five years of the discriminatory action.False Texas real estate license holders may be fined and lose their license for advertising in a discriminatory way, but what about private homeowners who are for sale by owners?A)Yes, FSBO owners must comply with fair housing advertising law.B)No, FSBO owners are free to advertise however they'd like as long as their advertisements are truthful and do not subject an individual to public contempt and ridicule.C)No, FSBOs narrowly escape being included in the law because of an obscure clause in Texas property tax law.D)No, FSBOs do not come under fair housing law because they are not license holders.A)Yes, FSBO owners must comply with fair housing advertising law.If a homeseller specifically instructs his listing agent not to show his home to lawyers, is the listing agent obligated to comply?A)Because lawyers are not a protected class, the request is lawful.B)No, the request is discriminatory and is outlawed.C)No, sellers are not permitted to decide who they will sell their property to.D)No, the seller must be more specific because lawyers come in a variety of disciplines (criminal, civil, corporate, tax, etc.) A)Because lawyers are not a protected class, the request is lawful.Would it be discriminatory for a buyer agent to decline to accompany a client to an open house for a home in a neighborhood the agent knows the buyer cannot afford?A)The agent should instruct his buyers that they cannot afford the home and should not attend.B)The agent should prepare paperwork advising the listing agent that

the buyers just want to tour the home, but not buy it.C)No, it is not discriminatory.D)Yes, the agent is obligated to attend the open house.C)No, it is not discriminatory.T/F Although the Fair Housing Act of 1968 permits some fair housing exemptions, the 1866 law prohibits all racial discrimination, without exception.True T/F The Equal Credit Opportunity Act (ECOA) is designed to make credit available to every financially qualified

applicant.True

Is it a violation of fair housing law for a listing agent to refuse to show a property to a woman wearing a hijab?A)Yes, it would violate fair housing law's prohibition against discrimination on the basis of national origin.B)Yes, it would violate fair housing law's prohibition against discrimination on the basis of sex.C)All of these.D)Yes, it would violate fair housing law's prohibition against discrimination on the basis of religion.C)All of these.Civil Rights Act, Housing and Community Development Act, and Fair Housing Amendments Act, collectively Fair Housing Act

Permitted / Not Permitted: Master Bedroom Permitted

For the next three questions, assume that Olga has been unsuccessful in renting out the units on her own. Because the agent is managing the property for her, Olga asks him to take on the job of leasing the units as well. The agent is cognizant of Olga's preferences and safety concerns, but he has recently obtained his real estate sales agent license and is also somewhat familiar with federal and state fair housing laws.Which of the following statements regarding fair housing laws best applies now that the agent will be leasing the units for Olga?A)While the agent may not advertise Olga's preferences, her final decisions can be made based on her preferences as long as none are based on the race of the applicant.B)The National Historic Register exemption applies even if the agent is leasing the units.C)None of the exemptions to the Fair Housing Act apply once the agent takes on the job of leasing the units for Olga.D)As long as Olga has a rational basis for making her decision, she may choose single female tenants over single males or families with children.C)None of the exemptions to the Fair Housing Act apply once the agent takes on the job of leasing the units for Olga.For the next three questions, assume that Olga has been unsuccessful in renting out the units on her own. Because the agent is managing the property for her, Olga asks him to take on the job of leasing the units as well. The agent is cognizant of Olga's preferences and safety concerns, but he has recently obtained his real estate sales agent license and is also somewhat familiar with federal and state fair housing laws.The agent is unsure about what he needs to do to comply with fair housing laws regarding advertising Olga's property. Which of the following is theBESTpractice?A)He may use words to limit the number of children since Olga has no children.B)To best meet Olga's preference for tenants, he may advertise the property using videos of single women, much like Olga, living in the unit.C)He may use the words "physically fit" to