HUD Housing Counseling Exam Correctly Solved 100% Correct!!

HUD Housing Counseling Exam Correctly Solved 100% Correct!! Civil Rights Act of 1866 Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) Fair Housing Act of 1968 banned discrimination in the rental or sale of housing (Race, color, religion, national origin) Housing and Community Development Act of 1974 added gender (sex) to the protected classes Fair Housing Amendments Act of 1988 Added Disability and familial status to protected classes. Real Estate Settlement and procedures Act RESPA Requires lenders and brokers to ensure that applicants understand the terms and fees of the mortgage transaction that they are considering Home Mortgage Disclosure Act (HMDA) Requires financial institutions to maintain and annually disclose date about home purchases, home purchase pre-approvals, home improvements and refinance applications involving 1 to 4 unit and multifamily dwellings Electronic Communications Privacy Act