1 of 25 - When HUD receives a complaint, how many days may pass to determine if there is reasonable cause to charge discrimination?
30
60
75
100
You answered incorrectly
When HUD receives a complaint, it will start an investigation. Within 100 days, HUD will determine if there is reasonable cause to charge discrimination or it will dismiss the complaint.
2 of 25 - What term describes the act of restricting the number of loans in certain areas of a community because its racial or ethnic makeup?
Steering
Redlining
Blockbusting
Filtering
You answered correctly
3 of 25 - If an agent is faced with questions outside the realm of his or her expertise it is best for the agent to refer such questions to
an inspector.
an appraiser.
an expert.
a broker.
You answered incorrectly
It’s common for agents to be faced with questions that are outside their realm of expertise or knowledge. It's best for agents to refer such questions to people who are experts in those fields.
4 of 25 - How long does a lender have to inform an applicant that he or she was rejected for a home loan?
60 days
30 days
90 days
120 days
You answered correctly
5 of 25 - What Act prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, age or dependency on public assistance?
The Real Estate Settlement Procedures Act
The Fair Credit Reporting Act
The Truth in Lending Act
The Equal Credit Opportunity Act
You answered correctly
6 of 25 - If a licensee lists a home in a predominantly minority neighborhood, how can he or she avoid steering when advertising in newspapers?
Advertise the property as multi-cultural.
Advertise in a city-wide newspaper.
Have the Equal Opportunity slogan in the advertising.
Advertise in the minority neighborhood's newspaper.
You answered incorrectly
The licensee should advertise in a city-wide newspaper, so that he or she does not give an impression of racial steering.
7 of 25 - Communities view licensees as their real estate
appraisers.
board.
inspectors.
experts.
You answered correctly
8 of 25 - What term describes when HUD attempts to resolve a complaint by getting assurance from the person against whom the complaint was filed that he or she will remedy the alleged violation?
Condonation
Arbitration
Conciliation
Intervention
You answered incorrectly
During the investigation period, HUD can attempt to resolve the complaint by getting assurance from the person against whom the complaint was filed that he or she will remedy the alleged violation. This is called conciliation.
9 of 25 - What is an example of discrimination in lending?
Denying membership to MLS
Telling a person that a property is not for sale
Refusing to purchase a loan
Stating a property is restricted
You answered correctly
10 of 25 - If a seller refuses to consider an offer because the prospective buyer is a member of a protected class the listing should be
referred to the broker.
extended.
offered at a lower price.
terminated.
You answered incorrectly
If a seller refuses to consider an offer because the prospective buyer is a member of a protected class, the broker should end the listing.
11 of 25 - What is defined as a simulated housing transaction designed to obtain evidence of different treatment based on an individual's protected class status?
Measuring
Streaming
Testing
Blockbusting
You answered incorrectly
Testing is defined as "a simulated housing transaction designed to obtain evidence of differential treatment based on an individual's protected class status."
12 of 25 - What Act was passed in 1977 to prevent redlining and to encourage banks and thrifts to help meet the credit needs of all segments of their communities?
The Housing Mortgage Act
The Equal Credit Act
The Community Reinvestment Act
The Fair Credit Reporting Act
You answered incorrectly
The Community Reinvestment Act was passed by Congress in 1977 to prevent redlining and to encourage banks and thrifts to help meet the credit needs of all segments of their communities, including low- and moderate-income neighborhoods.
13 of 25 - What should be prominently displayed in all broker's offices to comply with fair housing policies?
The Housing Discrimination Act
Title VIII of the Civil Rights Act
The office anti-discrimination policies
The Equal Opportunity Poster
You answered correctly
14 of 25 - What is defined as advertising that indicates a preference, limitation or discrimination based on race, color, religion, handicap, sex, familial status or national origin?
Discriminatory advertising
Behavioral advertising
Predatory advertising
Corporate advertising
You answered correctly
15 of 25 - What 1959 Act provides protection from discrimination by all business establishments in California, including housing and public accommodations?
The Housing and Community Development Act
The Rehabilitation Act
The Unruh Civil Rights Act
The Architectural Barriers Act
You answered correctly
16 of 25 - Who enforces fair housing laws?
The Department of Community Development
The Secretary of State
The Office of Equal Opportunity
The Department of Housing and Urban Development
You answered correctly
17 of 25 - What Act added sex to the list of protected classes in 1974?
The Fair Housing Amendment Act
The Housing Discrimination Act
The Housing and Community Development Act
The Community Reinvestment Act
You answered incorrectly
In 1974, the Housing and Community Development Act added sex to the list of protected classes.
18 of 25 - What describes the channeling of home buyers toward or away from homes in certain neighborhoods in order to preserve or alter the makeup of that neighborhood?
Blockbusting
Filtering
Redlining
Steering
You answered correctly
19 of 25 - Title VIII of the Civil Rights Act of 1968 is also known as
the Equal Opportunity Act.
the Fair Housing Act.
the Familial Status Act.
the Protected Classes Act.
You answered correctly
20 of 25 - How much time does a person have to file a complaint with the Department of Fair Employment and Housing?
Within 3 years from the incident
Within a year from the incident
Within 2 years from the incident
Within 2 years from the incident
You answered correctly
21 of 25 - In what landmark case did the Supreme Court prohibit racial segregation of public schools?
Buchanan v. Warley
Plessy v. Ferguson
Brown v. Board of Education
Shelley v. Kraemer
You answered correctly
22 of 25 - When a licensee induces someone to sell his or her property by telling him or her that persons of a certain protected class are moving into the neighborhood it is called
steering.
panic selling.
redlining.
protecting classes.
You answered correctly
23 of 25 - What 1977 Act prohibits financial institutions from discriminating in loan activities on the basis of race, color, religion, marital status, national origin ancestry or sex?
The Home Mortgage Act
The Equal Credit Act
The Fair Lending Act
The Housing Financial Discrimination Act
You answered incorrectly
"The Housing Financial Discrimination Act of 1977, also known as the Holden Act, prohibits financial institutions from discriminating in loan activities on the basis of race, color, religion, marital status, national origin, ancestry, or sex."
24 of 25 - Testers who encounter fair housing discrimination have the legal ability to
fine a licensee.
file complaints under federal or state agencies.
revoke a real estate license.
negotiate a listing contract.
You answered correctly
25 of 25 - If a seller chooses not to follow fair housing laws the agent should
