Question 1

The term handicapped refers to having a physical or mental impairment that substantially limits one or more life activities, or having a record of such impairments.

Accepted Answer

A) True 
 B)False

Question 2

The Equal Credit Opportunity Act was originally passed to provide for equal credit for borrowers by making it unlawful to discriminate against an applicant for credit based on sex or marital status.

Accepted Answer

A) True 
 B)False

Question 3

Choose the one most appropriate answer for each.
-federal fair housing law under the Civil Rights Act of 1968

Accepted Answer

A) Americans with Disabilities Act (AD
A)  
B) block busting 
C) commercial facility 
D) Community Reinvestment Act (CR
A)  
E) CRA statement
F)Equal Credit Opportunity Act
G)Fair Housing Law
H)familial status
I)Fourteenth Amendment
J)handicapped
K)Jones v. Alfred H Mayer Company
L)marital status
M)minority
N)protected class
O)public accommodations
P)Shelley v. Kraemer
Q)steering
R)tester
S)Thirteenth Amendment
T)Title VIII

Question 4

A creditor may not consider an applicant's immigration status and whether he or she is a permanent resident of the United States.

Accepted Answer

A) True 
 B)False

Question 5

A person seeking enforcement of the Civil Rights Act of 1866 may do so by filing an action in federal court.

Accepted Answer

A) True 
 B)False

Question 6

The CRA statement should contain all of the following EXCEPT

Accepted Answer

A)  a map of the lender's definition of its community. 
B)  a list of credit services it offers. 
C)  a copy of the public notice in its lobby. 
D)  the names of all lending institutions in the area.

Question 7

A country club has several guest bedrooms which are made available to members for a nominal charge but are not available to the general public.This is a violation of the federal fair housing laws.

Accepted Answer

A) True 
 B)False

Question 8

The Equal Credit Opportunity Act, as amended, allows for

Accepted Answer

A)  no exceptions wherein a real estate loan is involved. 
B)  no exceptions on any loans. 
C)  minor exceptions wherein a real estate loan is involved. 
D)  coverage of minors in regard to loans.

Question 9

Under the Fair Housing Law of 1968, apartment managers may discriminate against which of the following categories of people?

Accepted Answer

A)  Pet owners 
B)  Females 
C)  American Indians 
D)  White Anglo-Saxon Protestants

Question 10

Choose the one most appropriate answer for each.
-the "badge of slavery" violates the constitutional amendment

Accepted Answer

A) Americans with Disabilities Act (AD
A)  
B) block busting 
C) commercial facility 
D) Community Reinvestment Act (CR
A)  
E) CRA statement
F)Equal Credit Opportunity Act
G)Fair Housing Law
H)familial status
I)Fourteenth Amendment
J)handicapped
K)Jones v. Alfred H Mayer Company
L)marital status
M)minority
N)protected class
O)public accommodations
P)Shelley v. Kraemer
Q)steering
R)tester
S)Thirteenth Amendment
T)Title VIII

Question 11

In evaluating a loan application, part-time income cannot be discounted on the basis of its source.

Accepted Answer

A) True 
 B)False

Question 12

Showing a prospective buyer homes only in particular neighborhoods based on race, color, religion, sex, national origin, non-handicapped or adults only is known as

Accepted Answer

A)  block busing. 
B)  redlining. 
C)  steering. 
D)  subrogation.

Question 13

According to the 1968 Fair Housing Law, the Equal Housing Opportunity logo should appear in all of the following EXCEPT

Accepted Answer

A)  real estate brokerages. 
B)  real estate classified newspaper advertising. 
C)  model home sale sites. 
D)  mortgage lenders' offices.

Question 14

The Civil Rights Act of 1866 prohibits

Accepted Answer

A)  racial discrimination. 
B)  steering. 
C)  block busting. 
D)  discrimination for any reason.

Question 15

An agent, in the course of listing a property, was told by the seller that he would not sell to persons of a certain race. The agent should

Accepted Answer

A)  try to change the seller's mind. 
B)  refuse to take the listing with that exception. 
C)  take the listing and ignore the wishes of the seller. 
D)  inform the seller he is in violation of fair housing laws.

Question 16

Choose the one most appropriate answer for each.
-federal statute requiring accessibility for commercial premises

Accepted Answer

A) Americans with Disabilities Act (AD
A)  
B) block busting 
C) commercial facility 
D) Community Reinvestment Act (CR
A)  
E) CRA statement
F)Equal Credit Opportunity Act
G)Fair Housing Law
H)familial status
I)Fourteenth Amendment
J)handicapped
K)Jones v. Alfred H Mayer Company
L)marital status
M)minority
N)protected class
O)public accommodations
P)Shelley v. Kraemer
Q)steering
R)tester
S)Thirteenth Amendment
T)Title VIII

Question 17

Blockbusting is the illegal practice of inducing ____________________ selling in a neighborhood for financial gain.

Accepted Answer

The answer of Blockbusting is the illegal practice of inducing...

Question 18

The 1968 Fair Housing Law provides protection against certain acts if they discriminate against one or more of the____________________ classes.

Accepted Answer

The answer of The 1968 Fair Housing Law provides protection...

Question 19

A minority is always described as a member of the smallest group of people.

Accepted Answer

A) True 
 B)False

Question 20

The 1968 Fair Housing Law provides protection against discrimination for refusing to sell or rent to deal, or ____________________ with any person.

Accepted Answer

The answer of The 1968 Fair Housing Law provides protection...

Exam 21: Fair Housing, Ada, Equal Credit, and Community Reinvestment

The term handicapped refers to having a physical or mental impairment that substantially limits one or more life activities, or having a record of such impairments.

The Equal Credit Opportunity Act was originally passed to provide for equal credit for borrowers by making it unlawful to discriminate against an applicant for credit based on sex or marital status.

Choose the one most appropriate answer for each. -federal fair housing law under the Civil Rights Act of 1968

A creditor may not consider an applicant's immigration status and whether he or she is a permanent resident of the United States.

A person seeking enforcement of the Civil Rights Act of 1866 may do so by filing an action in federal court.

The CRA statement should contain all of the following EXCEPT

A country club has several guest bedrooms which are made available to members for a nominal charge but are not available to the general public.This is a violation of the federal fair housing laws.

The Equal Credit Opportunity Act, as amended, allows for

Under the Fair Housing Law of 1968, apartment managers may discriminate against which of the following categories of people?

Choose the one most appropriate answer for each. -the "badge of slavery" violates the constitutional amendment

In evaluating a loan application, part-time income cannot be discounted on the basis of its source.

Showing a prospective buyer homes only in particular neighborhoods based on race, color, religion, sex, national origin, non-handicapped or adults only is known as

According to the 1968 Fair Housing Law, the Equal Housing Opportunity logo should appear in all of the following EXCEPT

The Civil Rights Act of 1866 prohibits

An agent, in the course of listing a property, was told by the seller that he would not sell to persons of a certain race. The agent should

Choose the one most appropriate answer for each. -federal statute requiring accessibility for commercial premises

Blockbusting is the illegal practice of inducing ____________________ selling in a neighborhood for financial gain.

The 1968 Fair Housing Law provides protection against certain acts if they discriminate against one or more of the____________________ classes.

A minority is always described as a member of the smallest group of people.

The 1968 Fair Housing Law provides protection against discrimination for refusing to sell or rent to deal, or ____________________ with any person.