In residential sales and rentals:.
It is unlawful discrimination to take any of the following actions because of race, color, religion, sex (including gender identity and sexual orientation), disability, family status, or national origin Refuse to rent or sell housing.
Who is exempt under NJ Fair Housing Law?
The Fair Housing Act covers most housing. In some cases, the law exempts owner-occupied buildings of four units or less, single-family homes sold or rented without a broker, and homes operated by organizations or private clubs that restrict member occupancy.
What is the most common type of fair housing discrimination?
Of the 28,181 complaints of housing discrimination recorded in 2016, 55% were based on disability. That figure comes from a report released this week by the National Fair Housing Alliance, which analyzes government data and information collected by nonprofit fair housing groups.
Which of the following situations would be exempt under the Fair Housing Act?
The Fair Housing Act covers most housing. In very limited circumstances, the law exempts buildings with four or fewer owner-occupied units, single-family homes sold or rented without an agent by the owner, and homes operated by religious organizations and private clubs that limit member occupancy. .
Which of the following classes are not protected by federal law?
Race, color, religion, sex, handicap, familial status, and national origin. Some interest groups have tried to lobby for the inclusion of sexual orientation and marital status, which are not protected classes under federal law but may be protected by certain state fair housing laws .
What is the Holden act?
The law provides for loans to purchase, construct, rehabilitate, or refinance owner-occupied one-to-four homes and make home improvements to one- to four-unit family dwellings.
What is redlining in real estate?
REDLINING: Redlining is the practice of denying loans for housing in certain neighborhood hoods to creditworthy applicants, even if the applicant qualifies for the loan.
Which of these situations would be exempt from most provisions of the federal Fair Housing Act quizlet?
Which of the following situations are exempt under the Fair Housing Act? The Fair Housing Act allows unit rental exemptions in dwellings of up to four units, as long as the owner lives in one of the units, does not employ a real estate agent, and does not use discriminatory advertising.
Which type of property is exempt from the Fair Housing Act quizlet?
The Fair Housing Act exempts owner-occupied buildings of four units or less, single-family dwellings sold or rented without an actual state licensee, and dwellings operated by organizations or private clubs that restrict member occupancy.
What are the 12 protected characteristics?
It is against the law to discriminate against someone for
- Year.
- Disability.
- Gender reassignment.
- Marriage and civil partnerships.
- Pregnancy and childbirth.
- Race.
- Religion or belief.
- Sex.
What categories are protected by federal law?
What are protected classes? Under federal law, employers may not discriminate on the basis of race, color, national origin, religion, sex, age, or disability.
What is disparate treatment?
Members of a racial, gender, or ethnic group are treated differently if they are denied the same employment, promotion, membership, or other employment opportunities available to other employees or applicants.
Which of these is the most ethical reason to comply with fair housing laws?
Which of these are the most ethical reasons to comply with fair housing laws? It prohibits housing discrimination based on race, color, national origin, and religion. What is the primary purpose of the federal fair housing laws? Suffice it to say that “separate but equal.”
What is the primary purpose of the Unruh Act?
The Unruh Civil Rights Act provides protection from discrimination by all establishments in California, including housing and public accommodations.
What is ECOA?
The ECOA prohibits discrimination in any aspect of credit transactions and applies to any entity that extends credit, including banks, small loan and finance companies, retail stores, credit card companies, and credit unions.
What are the 3 types of lending discrimination?
There are three types of discrimination in fair lending
- Obvious Discrimination. Explicit discrimination is the act of openly and intentionally discriminating against something that is prohibited, i.e., “not lending to single women.”
- Different treatment.
- Different effects.
What is panic peddling in real estate?
Panic peddling refers to a profitable ploy by unconscionable real estate agents to suggest to homeowners that they move before property values decline due to the changing racial composition of the neighborhood.
When did FHA stop redlining?
The FHA-supported red line lasted until the mid-1960s, when minority urban neighborhoods became severely overcrowded. Changes in administrative rules from HUD that embraced the FHA at the time of the former’s creation in 1965 directed agencies to change their practices to expand lending in urban and minority neighborhoods.
Which of the following classes are not protected by federal law quizlet?
Race, color, religion, sex, handicap, familial status, and national origin. Some interest groups have tried to lobby for the inclusion of sexual orientation and marital status, which are not protected classes under federal law but may be protected by certain state fair housing laws .
Which of the following is an exception to the Fair Housing Act quizlet?
An exception to the Federal Fair Housing Act is the sale, rental, or industrial sale, rental, or occupancy of a dwelling owned and operated by a person other than a commercial organization, if the racial membership of persons of the same religion is not restricted because of race Color, sex, national origin, handicap or …
In which situation is an owner exempt from discrimination laws quizlet?
Under what circumstances is an owner exempt from discrimination laws? Renting an apartment in a 1-4 unit building where the owner is also a resident. You have just studied 16 terms!
What is not a protected class under the federal Fair Housing Act quizlet?
FEEDBACK: Race, color, national origin, gender, family status, religion, and disability are all protected classes under federal fair housing laws. Age and sexual orientation are not protected under federal law, but there may be some local protected classes that apply.
What is the difference between redlining and steering?
Steering dictates buyers based on class. Redlining is generally discrimination of buyers by the lending industry.
What is considered protected group?
Protected classes: groups protected from employment discrimination by law. These groups include men and women based on sex. Groups that share a common race, religion, color, or national origin. People over the age of 40. And people with physical or mental handicaps.
What are the protected grounds?
Protected premises are as follows
- Year.
- Ancestry, color, or race.
- Citizenship.
- Ethnic origin.
- Place of origin.
- Creed.
- Disability.
- Family status.
What does it mean by protected characteristics?
Having a protected characteristic means that you have the right not to be treated less favorably or receive unfair disadvantage because of that characteristic, for example because of your age, race, religion, gender, or sexual orientation.
Who is protected under Equality Act?
Find out more about the characteristics that the Equality Act protects. These are age, disability, gender reassignment, marriage and civil partnership, pregnancy and childbirth, race, religion or belief, sex, and sexual orientation.
What are the 9 protected characteristics?
There are nine protected characteristics under the Equality Act.
- Year.
- Disability.
- Gender reassignment.
- Marriage and civil partnerships.
- Pregnancy and childbirth.
- Race.
- Religion or belief.
- Sex.
How many protected characteristics are there?
The Equality Act has nine protected characteristics. Discrimination that occurs because of one or more of these characteristics is illegal under the law. We all have some of these characteristics – for example, sex or age – and the act protects everyone from discrimination.
Can landlord raise rent month to month?
When a lease expires, both the landlord and tenant may choose to renew it on a month-to-month basis. Under these terms, Albat says, the landlord is entitled to increase the rent at the end of each month if desired, as long as he or she gives the applicable notice (usually one month).
What can a landlord not ask you?
Questions Landlords Cannot Ask
- Are you pregnant?
- (More) Are you planning to have children?
- Are you married, single, or divorced?
- What is your ethnic background and/or religion?
- What is your sexual orientation?
- Do you receive public assistance?
- How old are you?
- Are you a Canadian citizen?
What are considered adverse actions?
The following are examples of adverse actions an employer may take Demote a worker. Rebukes the worker. Committing harassment. Create a hostile work environment. Fire a worker. Failing to hire or promote a worker. Blacklisting a worker. Transferring a worker to another…
What is intentional discrimination?
Generally, intentional discrimination occurs when the recipient acts, at least in part, because of the actual or perceived race, color, or national origin of the alleged victim of discriminatory treatment.
Which of the following situations would be exempt under the Fair Housing Act?
The Fair Housing Act covers most housing. In very limited circumstances, the law exempts buildings with four or fewer owner-occupied units, single-family homes sold or rented without an agent by the owner, and homes operated by religious organizations and private clubs that limit member occupancy. .
What is housing discrimination examples?
Examples of housing discrimination include charging higher rates to potential renters with children, refusing to show immigrant applicants homes in certain neighborhoods, or offering to buy homes with fewer people because of the race of the person selling the home.
What is redlining in real estate?
REDLINING: Redlining is the practice of denying loans for housing in certain neighborhood hoods to creditworthy applicants, even if the applicant qualifies for the loan.
What is Easton vs Strassburger?
In Easton v. Strasburger, “6 Court. . held that the seller’s real estate broker had an affirmative duty to conduct a reasonably competent and diligent inspection of the home . . listed for sale and to disclose all facts to prospective buyers.
What is the California Bane Act?
The Bain Act (California Civil Code §52.1.), also known as the Tom Bain Civil Rights Act, is a civil code of California law prohibiting the interference with people’s constitutional rights by threats of violence.
How is the FHA act different from eCOA?
If the ECOA protects borrowers from discrimination when applying for credit, the federal Fair Housing Act prohibits discrimination in the sale, rental, and financing of housing, among other housing-related transactions.
What is commingling in real estate?
The practice of filling funds occurs when the transaction sponsor/investment manager combines investor funds into a single account. In commercial real estate investments, adding funds is perfectly acceptable if this practice is disclosed to investors and they permit it.
Can a loan officer override an underwriter?
While you typically cannot speak directly with the underwriter, the loan officer should give you clear reasons for the denial. It takes time to try to overturn a denial. It is not official until the lender issues a denial letter.
What is steering discrimination?
Steering is a form of discrimination in which a real estate professional influences someone’s housing decision based on race, religion, or another protected characteristic covered by the Fair Housing Act of 1968.
Are family members considered tenants?
Is your family considered a tenant? If you allow your elderly parent or adult children, siblings, or anyone else on your property to live free of charge, they are considered tenants. Sometimes, the tenant shoulders all obligations but does not reside on your property.
What is redlining in simple terms?
Unlawful discriminatory practices of mortgage lenders refusing to allow loan or insurance providers to limit their services to certain areas of the community.
Which of the following activities is banned under the Fair Housing Act FHA )?
Which activities are prohibited under the Fair Housing Act (FHA)? All discriminatory real estate practices based on race, color, national origin, religion, sex, family status, or disability.
Which of these is the most ethical reason to comply with fair housing laws?
Which of these are the most ethical reasons to comply with fair housing laws? It prohibits housing discrimination based on race, color, national origin, and religion. What is the primary purpose of the federal fair housing laws? Suffice it to say that “separate but equal.”