HUD Exam - Fair Housing Questions with Verified Answers

Which describes the legally enforceable terms that govern the use of real estate? A. Residential security restrictions B. Deed restrictions C. Redlined Maps Government-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 lending D 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. 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. 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 lim