HUD Housing Counselor Exam- Module 3 Fair Housing Questions With Correct Answers

What act are limited english proficiency persons protected under? - Answer title VI of the civil rights act of 1964 Which act was passed in 1866? - Answer the civil rights act of 1866 What did the civil rights act of 1866 bill declare? - Answer "all persons born in the United States (except American Indians) were herby declared to be citizens of the United States" What supreme court case took place in 1986? - Answer Plessy v. Ferguson What happened in the Plessy v. Ferguson supreme court case? - Answer "separate but equal" practices were declared legal. This decision justified all levels of government in providing segregated programs, services, and facilities, including segregated public accommodations and housing. What corporation did congress create in 1933? - Answer Home Owners' Loan Corporation (HOLC) Why did congress create the Home Owners' Loan Corporation in 1933? - Answer as an effort to avoid mass foreclosure during the great depression. What is redlining? - Answer the illegal 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 residents of the neighborhood in which the property is located. What were deed restrictions? - Answer Legally enforceable terms that govern the use of property. These terms are transferred with the property deed. Discriminatory deeds are illegal and unenforceable. What supreme court case happened in 1948? - Answer shelly v. kraemer What happened in the Shelly v. Kraemer court case? - Answer discriminatory deed restrictions and covenants were deemed illegal and unenforceable What supreme court case took place in 1954? - Answer brown v. board of education What did the brown v. board of education court case overturn? - Answer the "separate but equal" policy established by the Plessy v. Ferguson decision. The government could no longer legally support segregated programs, services, or facilities. When did John F. Kennedy sign executive order 11063? - Answer 1962 What act was passed in 1964? - Answer civil rights act of 1964 What did the civil rights act of 1964 prohibit? - Answer discrimination on the basis of race, color, or national origin in programs and activities that receive federal funding. What happened on April 4, 1968? - Answer Martin Luther King, Jr. was assassinated What act was passed April 11, 1968? - Answer the civil rights act of 1968 What did the civil rights act of 1968 do? - Answer prohibited discrimination in housing, sales, rentals , and financing based on race, color, national origin, and religion. What act was passed on August 1, 1968? - Answer housing and urban development act of 1968 What did the housing and urban development act of 1968 do? - Answer established Ginnie Mae, with the aim of expanding the availability of government-secured home loans to moderate-income families. What act was amended in 1974 and in 1988? - Answer the fair housing act of 1968 How did the amendments made to the fair housing act of 1968 reshape fair housing laws? - Answer it expanded the fair housing act to protect the seven characteristics, it established an investigation, conciliation, and administrative hearing process, and it expanded HUD's role, moving the agency beyond investigation and conciliation into enforcement. What are the legally enforceable terms that govern the use of real estate? - Answer deed restrictions What 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, or familial statues of the area's residents? - Answer redlining 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, (and as later amended) sex, disability, and familial status? - Answer civil rights act of 1968 What are the seven protected characteristics? - Answer race, color, national origin, religion, sex, disability, and familial status The fair housing act, as amended, protects how many characteristics? - Answer 7 Refusing to sell, rent, or negotiate the sale or rental of a dwelling is prohibited, and includes, but is not limited to, what following actions? - Answer failing to accept a bona fide offer, imposing different sales prices or rental charges, using different qualification criteria or applications for sale or rental, and evicting tenants. Setting different terms, conditions, or privileges in services and facilities is prohibited, and includes, but is not limited to what? - Answer using different provisions in leases or contracts of sale, failing to make, or delaying, maintenance or repairs, failing to process an offer for the sale or rental of a dwelling, failing to communicate an offer accurately, and denying or limiting services or facilities because a person failed or refused to provide sexual favors. Producing discriminatory marketing is prohibited, and includes, but is not limited to participating in making, printing, or publishing any notice, statement, or advertisement that indicates preferences, limitations, or discrimination, such as what? - Answer using words, phrases, photographs, illustrations, symbols, or forms which convey that dwellings are available to a particular group of persons, selecting media or locations for advertising the sale or rental of dwellings which deny particular segments of the housing market info about housing opportunities, and refusing to publish advertising for the sale or rental of dwellings or requiring different charges and terms for advertising. What is blockbusting? - Answer to convince, or attempt to convince, a person to sell or rent a dwelling because of the entry, or prospective entry, into the neighborhood of a person or persons of a particular race, color, religion, sex, familial status, national origin, or with a disability.