HUD Housing Counseling Exam | 200 Questions with 100% Correct Answers | Verified | Latest Update 2024

Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) - Civil Rights Act of 1866 banned discrimination in the rental or sale of housing (Race, color, religion, national origin) - Fair Housing Act of 1968 added gender (sex) to the protected classes - Housing and Community Development Act of 1974 Added Disability and familial status to protected classes. - Fair Housing Amendments Act of 1988 Requires lenders and brokers to ensure that applicants understand the terms and fees of the mortgage transaction that they are considering - Real Estate Settlement and procedures Act RESPA 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 - Home Mortgage Disclosure Act (HMDA)