HFA INDIANA STATE EXAM AND STUDY GUIDE
NEWEST 2026 TEST BANK| COMPLETE 400 REAL EXAM
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) GRADED A+ (BRAND NEW!!)
1. Which federal law prohibits discrimination based on
familial status in housing?
A. Civil Rights Act of 1866
B. Fair Housing Act (as amended in 1988)
C. Americans with Disabilities Act
D. Section 504 of the Rehabilitation Act
Correct Answer: B
Rationale: The Fair Housing Act was amended in 1988 to add
familial status and disability as protected classes. Familial status
protects households with children under 18, pregnant women,
and those in the process of adopting or fostering.
1
,2. In Indiana, which of the following is NOT a federally
protected class under the Fair Housing Act?
A. Race
B. Religion
C. Marital status
D. Disability
Correct Answer: C
Rationale: Marital status is not a federally protected class.
Federal protected classes: race, color, religion, national origin,
sex, disability, familial status.
3. A property manager refuses to rent to a tenant because
they have a service animal for a disability. The property has a
"no pets" policy. This is:
A. Permissible because service animals are not exempt
2
,B. A reasonable accommodation violation under Fair Housing Act
C. Allowed if the animal is over 50 pounds
D. Permissible if the tenant did not disclose the disability in
writing
Correct Answer: B
Rationale: Service and emotional support animals are not pets.
Landlords must make reasonable accommodations to "no pets"
policies for individuals with disabilities under the FHA and
Section 504.
4. The Indiana Civil Rights Law (IC 22-9-1) adds which
protected class beyond federal Fair Housing Act?
A. Sexual orientation
B. Age (40 and over)
C. Ancestry
D. Source of income
3
, Correct Answer: C
Rationale: Indiana law adds ancestry as a protected class. It
does not add source of income (unlike some states). Sexual
orientation is not explicitly protected under Indiana state housing
law.
5. Under HUD's Section 504, what percentage of units in a
multifamily housing project receiving federal financial
assistance must be accessible to persons with mobility
disabilities?
A. 2%
B. 5%
C. 10%
D. 20%
Correct Answer: B
Rationale: Section 504 requires 5% of units (or at least one unit)
4
NEWEST 2026 TEST BANK| COMPLETE 400 REAL EXAM
QUESTIONS AND CORRECT DETAILED ANSWERS
(VERIFIED ANSWERS) GRADED A+ (BRAND NEW!!)
1. Which federal law prohibits discrimination based on
familial status in housing?
A. Civil Rights Act of 1866
B. Fair Housing Act (as amended in 1988)
C. Americans with Disabilities Act
D. Section 504 of the Rehabilitation Act
Correct Answer: B
Rationale: The Fair Housing Act was amended in 1988 to add
familial status and disability as protected classes. Familial status
protects households with children under 18, pregnant women,
and those in the process of adopting or fostering.
1
,2. In Indiana, which of the following is NOT a federally
protected class under the Fair Housing Act?
A. Race
B. Religion
C. Marital status
D. Disability
Correct Answer: C
Rationale: Marital status is not a federally protected class.
Federal protected classes: race, color, religion, national origin,
sex, disability, familial status.
3. A property manager refuses to rent to a tenant because
they have a service animal for a disability. The property has a
"no pets" policy. This is:
A. Permissible because service animals are not exempt
2
,B. A reasonable accommodation violation under Fair Housing Act
C. Allowed if the animal is over 50 pounds
D. Permissible if the tenant did not disclose the disability in
writing
Correct Answer: B
Rationale: Service and emotional support animals are not pets.
Landlords must make reasonable accommodations to "no pets"
policies for individuals with disabilities under the FHA and
Section 504.
4. The Indiana Civil Rights Law (IC 22-9-1) adds which
protected class beyond federal Fair Housing Act?
A. Sexual orientation
B. Age (40 and over)
C. Ancestry
D. Source of income
3
, Correct Answer: C
Rationale: Indiana law adds ancestry as a protected class. It
does not add source of income (unlike some states). Sexual
orientation is not explicitly protected under Indiana state housing
law.
5. Under HUD's Section 504, what percentage of units in a
multifamily housing project receiving federal financial
assistance must be accessible to persons with mobility
disabilities?
A. 2%
B. 5%
C. 10%
D. 20%
Correct Answer: B
Rationale: Section 504 requires 5% of units (or at least one unit)
4
