HUD CERTIFICATION EXAM
QUESTIONS AND ANSWERS 2026
VERIFIED.
Deed Restrictions - ANS Legally enforceable terms that govern the use of real estate
Redlining - ANS 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 - ANS 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 - ANS The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification - ANS 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 - ANS 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.
@COPYRIGHT ALL RIGHTS RESERVED PAGE 1 OF 12
, True - ANS The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
Fair Housing Assistance Program (FHAP) - ANS 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) - ANS Provides funding to fair housing organizations
and nonprofits that assist people who may have been victims of housing discrimination.
Marketing Analysis - ANS 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 - ANS 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 - ANS The section of the credit report that contains employer details.
Account Information - ANS The section of a credit report that contains information about a
student loan.
Public Records - ANS The section of the credit report that contains court information such as
a bankruptcy.
Inquiries - ANS The section of the credit report that will show recent attempts to open a
credit card.
Consumer Rights - ANS The section of the credit report that contains information about how
to correct inaccuracies.
@COPYRIGHT ALL RIGHTS RESERVED PAGE 2 OF 12
QUESTIONS AND ANSWERS 2026
VERIFIED.
Deed Restrictions - ANS Legally enforceable terms that govern the use of real estate
Redlining - ANS 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 - ANS 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 - ANS The Fair Housing Act, as amended, protects how many characteristics?
Reasonable Modification - ANS 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 - ANS 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.
@COPYRIGHT ALL RIGHTS RESERVED PAGE 1 OF 12
, True - ANS The Fair Housing Act does not prohibit a lender from showing potential clients
information about different loans.
Fair Housing Assistance Program (FHAP) - ANS 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) - ANS Provides funding to fair housing organizations
and nonprofits that assist people who may have been victims of housing discrimination.
Marketing Analysis - ANS 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 - ANS 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 - ANS The section of the credit report that contains employer details.
Account Information - ANS The section of a credit report that contains information about a
student loan.
Public Records - ANS The section of the credit report that contains court information such as
a bankruptcy.
Inquiries - ANS The section of the credit report that will show recent attempts to open a
credit card.
Consumer Rights - ANS The section of the credit report that contains information about how
to correct inaccuracies.
@COPYRIGHT ALL RIGHTS RESERVED PAGE 2 OF 12
