HUD CERTIFICATION EXAM QUESTIONS AND
ANSWERS 2026 COMPLETE STUDY GUIDE
◉ Redlining. Answer: 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, or familial status of the area's residents.
◉ Civil Rights Act of 1968. Answer: Following the assassination 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,
sex, disability and familial status?
◉ 7. Answer: The Fair Housing Act, as amended, protects how many
characteristics?
◉ Reasonable Modification. Answer: 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.
◉ Reasonable Accommodation. Answer: 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.
◉ True. Answer: The Fair Housing Act does not prohibit a lender
from showing potential clients information about different loans.
◉ Fair Housing Assistance Program (FHAP). Answer: Provides
annual funding to state and local agencies that enforce fair housing
laws that are substantially equivalent to the Fair Housing Act. These
funds go towards an agency's capacity building, administrative costs,
investigative and enforcement efforts, training and other projects
designed to support enforcement of fair housing law.
◉ Fair Housing Initiatives Program (FHIP). Answer: Provides
funding to fair housing organizations and nonprofits that assist
people who may have been victims of housing discrimination.
◉ Marketing Analysis. Answer: Aim is to identify groups of people
who would benefit most if targeted by the campaign, the
characteristics of these people, and their expectations.
◉ Networking Event. Answer: The opportunity to increase
awareness of the plans and actions of housing industry members,
private organizations and foundations, public housing agencies,
neighborhood groups, regional organizations, and others to further
fair housing objectives.
, ◉ Personal Information. Answer: The section of the credit report
that contains employer details.
◉ Account Information. Answer: The section of a credit report that
contains information about a student loan.
◉ Public Records. Answer: The section of the credit report that
contains court information such as a bankruptcy.
◉ Inquiries. Answer: The section of the credit report that will show
recent attempts to open a credit card.
◉ Consumer Rights. Answer: The section of the credit report that
contains information about how to correct inaccuracies.
◉ Account History. Answer: Credit: Payment history of accounts,
including late payments, delinquencies, judgments, and liens.
◉ Amounts Owed. Answer: Credit: Ratio of total credit extended to
the amount of credit owed.
◉ Length of Credit History. Answer: Credit: Overall length of credit
history in the report as well as the average age of accounts.
ANSWERS 2026 COMPLETE STUDY GUIDE
◉ Redlining. Answer: 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, or familial status of the area's residents.
◉ Civil Rights Act of 1968. Answer: Following the assassination 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,
sex, disability and familial status?
◉ 7. Answer: The Fair Housing Act, as amended, protects how many
characteristics?
◉ Reasonable Modification. Answer: 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.
◉ Reasonable Accommodation. Answer: 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.
◉ True. Answer: The Fair Housing Act does not prohibit a lender
from showing potential clients information about different loans.
◉ Fair Housing Assistance Program (FHAP). Answer: Provides
annual funding to state and local agencies that enforce fair housing
laws that are substantially equivalent to the Fair Housing Act. These
funds go towards an agency's capacity building, administrative costs,
investigative and enforcement efforts, training and other projects
designed to support enforcement of fair housing law.
◉ Fair Housing Initiatives Program (FHIP). Answer: Provides
funding to fair housing organizations and nonprofits that assist
people who may have been victims of housing discrimination.
◉ Marketing Analysis. Answer: Aim is to identify groups of people
who would benefit most if targeted by the campaign, the
characteristics of these people, and their expectations.
◉ Networking Event. Answer: The opportunity to increase
awareness of the plans and actions of housing industry members,
private organizations and foundations, public housing agencies,
neighborhood groups, regional organizations, and others to further
fair housing objectives.
, ◉ Personal Information. Answer: The section of the credit report
that contains employer details.
◉ Account Information. Answer: The section of a credit report that
contains information about a student loan.
◉ Public Records. Answer: The section of the credit report that
contains court information such as a bankruptcy.
◉ Inquiries. Answer: The section of the credit report that will show
recent attempts to open a credit card.
◉ Consumer Rights. Answer: The section of the credit report that
contains information about how to correct inaccuracies.
◉ Account History. Answer: Credit: Payment history of accounts,
including late payments, delinquencies, judgments, and liens.
◉ Amounts Owed. Answer: Credit: Ratio of total credit extended to
the amount of credit owed.
◉ Length of Credit History. Answer: Credit: Overall length of credit
history in the report as well as the average age of accounts.
