DRIVERS ED FINAL (MVA) ACTUAL
EXAM PAPER 2026 QUESTIONS WITH
ANSWERS GRADED A+
◍ Which describes the legally enforceable terms that govern the use of real
estate?
A. Residential security restrictions
B. Deed restrictions
C. Redlined MapsGovernment-sponsored deeds.
Answer: B. Deed Restrictions-Deed restrictions are legally enforceable
terms that govern the use of real estate. Deed restrictions that discriminate
based on any of the seven prohibited bases for discrimination are illegal and
unenforceable.
◍ Which is the practice of refusing to make residential loans or imposing more
onerous terms on any loans made because of the predominant race, color,
national origin, religion, sex, disability, of familial status of the area's
residents?
A. Securitizing
B. Blockbusting
C. Predatory lendingD Redlining.
Answer: D. Redlining-Redlining is the practice of refusing to make
residential loans or imposing more onerous terms on any loan made because
of the predominant race, color, national origin, religion, sex, disability, or
familial status of the area's residents.
◍ Following the assasination of Dr. Martin Luther King Jr. , Congress passed
what monumental piece of legislation, which prohibits discrimination in
housing sales, rentals, and financing based on race, color, national origin,
religion, (and as later amended) sex, disability, and familial status?.
, Answer: Civil Rights Act of 1968
◍ The Fair Housing Act, as amended, protects how many characteristics?.
Answer: 7 Characteristics; race, color, national origin, sex, religion,
disability and familial status
◍ A property manager of an apartment complex that receives federal financial
assistance installs a ramp so that a tenant in a wheelchair can easily access
her first-floor apartment. What type of change is this an example of?
A. Reasonable accommodation
B. Accessibility modification
C. Reasonable modification
D. Accessibility accommodation..
Answer: C. Reasonable Modification
◍ A housing provider has a policy of requiring tenants to come to the rental
office to pay their rent. A tenant with a mental disability, who is afraid to
leave her unit, is allowed to mail her rent payment. What type of change is
this an example of?
A. Reasonable accommodation
B. Accessibility modification
C. Reasonable modification
D. Accessibility accommodation..
Answer: Reasonable Acommodation
◍ Refusing to rent, sell, or negotiate for housing when the owner of the
housing is a private entity that owns six single family houses.
A. This is a legal practice.
B. This is a prohibited practice..
Answer: B. Prohibited Practice-According to the Fair Housing Act, it is
prohibited to rent, sell, or negotiate the sale or rental of a dwelling based on
protected characteristics. Since the private entity owns more that three
single-family houses, it is subject to compliance with fair housing laws.
◍ Budgeting.
Answer: helps client figure out where they can increase income and decrease
, expenses
◍ Track Income (what to include).
Answer: -regular salary-Temporary Jobs-unemployment
compensation-public assistance
◍ Track Income (what not to include).
Answer: -pre-tax payroll deductions-retirement fund contributions-expenses
(flexible spending account contributions)-credit score
◍ Making housing that is operated by a religious organization unavailable to
those who are not members of the religious organization.
A. This is a legal practice.
B. This is a prohibited practice..
Answer: A. Legal practice-The Fair Housing Act restrictions do not apply to
circumstances in which housing is operated by, or in conjunction with, a
religious organization, association, society, or nonprofit organization.
◍ Documents to use for client action plan (income).
Answer: -paychecks, direct deposit slips-if self-employed, income and
expenses sheet-additional income checks or cash-government benefits letters
(SSI, unemployment, etc)
◍ Limiting information regarding suitably priced dwelling available for
inspection, sale, or rental of an owner-occupied facility with fifteen
individual family units
A. This is a legal practice.
B. This is a prohibited practice.
Answer: B. Prohibited practice.-According to the Fair Housing Act, it is
prohibited to falsely represent the availability of a dwelling, through actions
such as limiting information, by word or conduct, regarding suitably priced
dwellings, available for inspection, sale or rental. Since the owneroccupied
facility has rooms and units that are occupied by more than four families
living independently of each other, it is subject to compliance with fair
housing laws.
, ◍ Track Expenses (what to include).
Answer: -all bills-all fixed monthly expenses-all cash expenses-seasonal or
annual expenses (car registration, gifts, tax preparation fees, vacations, or
expenses related to the holiday season)
◍ Documents to use for client action plan (expenses).
Answer: -utility, insurance, and other bills-bank statements-credit card
statements-records about car registration or school supplies for estimated
amount of expected periodic expenses
◍ Failing to process an offer for the sale or rental of a dwelling that was
promoted by a real estate agent.
A. This is a legal practice
B. This is a prohibited practice..
Answer: B. Prohibited practice-According to the Fair Housing Act, it is
prohibited to set different terms, conditions, or privileges in services and
facilities, through actions such as failing to process an offer for the sale or
rental of a dwelling.
◍ Importance of tracking income and expenses.
Answer: it helps show clients that they spend less on some expenses than
they think
◍ How to increase income.
Answer: -find second job-work overtime-negotiate higher salary/wage-sell
assets (e.g, car)-hold a yard/garage sale-teach a skill/craft/activity-sell a craft
(jewelry or carpentry)-charge rent (if adult dependents in home)-evaluate tax
withholdings
◍ Decrease Expenses and debt.
Answer: -prioritize "needs" over "wants"-reduce or eliminate "wants"-cancel
or downgrade services-limit miscellaneous spending -stick to a shopping
list-reduce debt (pay off a loan or credit card)-move to more affordable
housing-change insurance coverage for lower premiums, but don't cancel
◍ Refusing to rent a dwelling to a family with young kids in a community that
EXAM PAPER 2026 QUESTIONS WITH
ANSWERS GRADED A+
◍ Which describes the legally enforceable terms that govern the use of real
estate?
A. Residential security restrictions
B. Deed restrictions
C. Redlined MapsGovernment-sponsored deeds.
Answer: B. Deed Restrictions-Deed restrictions are legally enforceable
terms that govern the use of real estate. Deed restrictions that discriminate
based on any of the seven prohibited bases for discrimination are illegal and
unenforceable.
◍ Which is the practice of refusing to make residential loans or imposing more
onerous terms on any loans made because of the predominant race, color,
national origin, religion, sex, disability, of familial status of the area's
residents?
A. Securitizing
B. Blockbusting
C. Predatory lendingD Redlining.
Answer: D. Redlining-Redlining is the practice of refusing to make
residential loans or imposing more onerous terms on any loan made because
of the predominant race, color, national origin, religion, sex, disability, or
familial status of the area's residents.
◍ Following the assasination of Dr. Martin Luther King Jr. , Congress passed
what monumental piece of legislation, which prohibits discrimination in
housing sales, rentals, and financing based on race, color, national origin,
religion, (and as later amended) sex, disability, and familial status?.
, Answer: Civil Rights Act of 1968
◍ The Fair Housing Act, as amended, protects how many characteristics?.
Answer: 7 Characteristics; race, color, national origin, sex, religion,
disability and familial status
◍ A property manager of an apartment complex that receives federal financial
assistance installs a ramp so that a tenant in a wheelchair can easily access
her first-floor apartment. What type of change is this an example of?
A. Reasonable accommodation
B. Accessibility modification
C. Reasonable modification
D. Accessibility accommodation..
Answer: C. Reasonable Modification
◍ A housing provider has a policy of requiring tenants to come to the rental
office to pay their rent. A tenant with a mental disability, who is afraid to
leave her unit, is allowed to mail her rent payment. What type of change is
this an example of?
A. Reasonable accommodation
B. Accessibility modification
C. Reasonable modification
D. Accessibility accommodation..
Answer: Reasonable Acommodation
◍ Refusing to rent, sell, or negotiate for housing when the owner of the
housing is a private entity that owns six single family houses.
A. This is a legal practice.
B. This is a prohibited practice..
Answer: B. Prohibited Practice-According to the Fair Housing Act, it is
prohibited to rent, sell, or negotiate the sale or rental of a dwelling based on
protected characteristics. Since the private entity owns more that three
single-family houses, it is subject to compliance with fair housing laws.
◍ Budgeting.
Answer: helps client figure out where they can increase income and decrease
, expenses
◍ Track Income (what to include).
Answer: -regular salary-Temporary Jobs-unemployment
compensation-public assistance
◍ Track Income (what not to include).
Answer: -pre-tax payroll deductions-retirement fund contributions-expenses
(flexible spending account contributions)-credit score
◍ Making housing that is operated by a religious organization unavailable to
those who are not members of the religious organization.
A. This is a legal practice.
B. This is a prohibited practice..
Answer: A. Legal practice-The Fair Housing Act restrictions do not apply to
circumstances in which housing is operated by, or in conjunction with, a
religious organization, association, society, or nonprofit organization.
◍ Documents to use for client action plan (income).
Answer: -paychecks, direct deposit slips-if self-employed, income and
expenses sheet-additional income checks or cash-government benefits letters
(SSI, unemployment, etc)
◍ Limiting information regarding suitably priced dwelling available for
inspection, sale, or rental of an owner-occupied facility with fifteen
individual family units
A. This is a legal practice.
B. This is a prohibited practice.
Answer: B. Prohibited practice.-According to the Fair Housing Act, it is
prohibited to falsely represent the availability of a dwelling, through actions
such as limiting information, by word or conduct, regarding suitably priced
dwellings, available for inspection, sale or rental. Since the owneroccupied
facility has rooms and units that are occupied by more than four families
living independently of each other, it is subject to compliance with fair
housing laws.
, ◍ Track Expenses (what to include).
Answer: -all bills-all fixed monthly expenses-all cash expenses-seasonal or
annual expenses (car registration, gifts, tax preparation fees, vacations, or
expenses related to the holiday season)
◍ Documents to use for client action plan (expenses).
Answer: -utility, insurance, and other bills-bank statements-credit card
statements-records about car registration or school supplies for estimated
amount of expected periodic expenses
◍ Failing to process an offer for the sale or rental of a dwelling that was
promoted by a real estate agent.
A. This is a legal practice
B. This is a prohibited practice..
Answer: B. Prohibited practice-According to the Fair Housing Act, it is
prohibited to set different terms, conditions, or privileges in services and
facilities, through actions such as failing to process an offer for the sale or
rental of a dwelling.
◍ Importance of tracking income and expenses.
Answer: it helps show clients that they spend less on some expenses than
they think
◍ How to increase income.
Answer: -find second job-work overtime-negotiate higher salary/wage-sell
assets (e.g, car)-hold a yard/garage sale-teach a skill/craft/activity-sell a craft
(jewelry or carpentry)-charge rent (if adult dependents in home)-evaluate tax
withholdings
◍ Decrease Expenses and debt.
Answer: -prioritize "needs" over "wants"-reduce or eliminate "wants"-cancel
or downgrade services-limit miscellaneous spending -stick to a shopping
list-reduce debt (pay off a loan or credit card)-move to more affordable
housing-change insurance coverage for lower premiums, but don't cancel
◍ Refusing to rent a dwelling to a family with young kids in a community that
