Chapter 20 Quiz

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Chapter 20 Quiz

Anti-Discrimination & Federal Fair Housing

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The person who must answer or respond to a complaint alleging unlawful discrimination

1 point

Complainant

Racial Steering

Respondent

Civil Rights Act of 1866

Clear selection

A method of enforcing fair housing laws under which civil rights organizations observe real estate offices to assess compliance with those laws

1 point

Testing

Racial Steering

Blockbusting

Attorney General's Memorandum

Clear selection

A summary of the New Jersey Law Against Discrimination; Commission rules require every licensed salesperson or broker to give a copy of the memorandum when listing property

1 point

Attorney General's Memorandum

Blockbusting

Testing

Familial Status

Clear selection

The person who files a complaint alleging unlawful discrimination

1 point

Respondent

Civil Rights Act of 1866

Complainant

Blockbusting

Clear selection

Directing prospective buyers or tenants into or away from certain areas on illegal discrimination grounds

1 point

Racial Steering

Blockbusting

Familial Status

Testing

Clear selection

Act which prohibits all racial discrimination, private or public, in the sale and rental of property

1 point

Civil Rights Act of 1866

Racial Steering

Complainant

Respondent

Clear selection

Defined under Fair Housing Laws as an adult with a child or children under 18, a person who is pregnant, one who has legal custody of a child, or is in the process of obtaining custody.

1 point

Testing

Racial Steering

Familial Status

Blockbusting

Clear selection

U.S. Department of Housing and Urban Development

1 point

HUD

Testing

Familial Status

Blockbusting

Clear selection

The unlawful discriminatory practice of encouraging members of one race or creed to move into a neighborhood, and then exploiting the situation by persuading residents to sell their houses at deflated prices because of the alleged social deterioration of the neighborhood

1 point

Testing

Racial Steering

Blockbusting

Familial Status

Clear selection

In New Jersey, if when you are taking a listing on an owner-occupied single-family residence, the owner states that you are not to show the property to unmarried people, you should:

1 point

(A) ignore the request and proceed with the listing.

(B) comply with your principal's request.

(D) refuse to take the listing.

Clear selection

Which is the federal agency that administers fair housing laws?

1 point

(A) FHA

(B) NAR

(D) Attorney General

Clear selection

A landlord refused to rent to a blind person who used a guide dog. The landlord claimed that the refusal was based on a lease restriction prohibiting pets.

1 point

(A) The action was lawful but unethical.

(B) The action was unlawful, because federal law requires reasonable accommodations to the needs of handicapped persons in rules, policies, etc. to allow the handicapped an equal opportunity to use or enjoy a dwelling.

(D) The action would be allowed because of the restriction in the lease.

Clear selection

Under Federal Fair Housing, which of the following is exempt?

1 point

(A) Private clubs operating a commercial boarding house.

(B) Religious organizations.

(D) Builder-developers.

Clear selection

Blockbusting is acceptable:

1 point

(A) with approval of the buyer and seller.

(B) with approval of HUD.

(D) under no circumstances.

Clear selection

Under the New Jersey Law Against Discrimination, which of the following would be exempt from the law?

1 point

(A) The rental of a single apartment or flat in a two-family dwelling, the other occupancy unit of which is occupied by the owner as his residence at the time of the rental.

(B) The owner of a single-family house with respect to its sale.

(D) Neither A nor B.

Clear selection

A chanting religious group bought a house in a subdivision and organized it into a commune. A broker eager to make some quick profits began to canvass this neighborhood soliciting listings by inquiring whether residents knew who had just moved into the area and leaving his business card. Which term best describes the broker’s marketing program?

1 point

(A) Redlining.

(B) Lawful solicitation.

(D) Steering.

Clear selection

The Civil Rights Act of 1866 prohibits discrimination in housing on the basis of:

1 point

(A) race.

(B) color.

(D) all of the above.

Clear selection

John Medvecky lives on the first floor of a two-family house which he owns in Cedar Grove, NJ. In renting the second floor apartment Medvecky may lawfully reject an applicant because of:

1 point

(A) race.

(B) marital status.

(D) Neither A nor B.

Clear selection

Under the Discrimination Law, among the powers of the Division of Civil Rights is the power to:

1 point

(A) impose money penaltes.

(B) suspend licenses.

(D) revoke licenses.

Clear selection

Under the New Jersey Law Against Discrimination, which of the following penalties may be imposed by the Division of Civil Rights for a first offense?

1 point

(A) A fine of not more than $5,000.

(B) Revocation of a broker’s or salesperson’s real estate license.

(D) Issuance of cease and desist orders.

Clear selection

The practice of directing minority customers to minority areas is known as:

1 point

(A) steering and is legal.

(B) steering and is illegal.

(D) blockbusting.

Clear selection

Under the New Jersey Discrimination Law, discrimination for which of the following reasons would NOT be unlawful?

1 point

(A) Religion.

(B) National origin.

(D) Age.

Clear selection

The unlawful practice of a lending institution refusing to approve loans in a particular town because of the number of properties that are owned by members of minority groups is called:

1 point

(A) blockbusting.

(B) redlining.

(D) disintermediation.

Clear selection

If Mrs. Murphy lives in a rooming house that she owns across the street from a college, she may lawfully do all of the following EXCEPT:

1 point

(A) refuse to rent to members of a certain religion.

(B) refuse to rent to families with children under 18 years of age.

(D) advertise “Female Students Only.”

Clear selection

You are violating the Federal Fair Housing Act of 1968 if you:

1 point

(A) establish a multiple listing service that excludes members on the basis of race.

(B) refuse to sell a vacant lot zoned commercial because of the buyer’s nationality.

(D) refuse to rent an apartment because of the applicant’s marital status.

Clear selection

The authority under the Federal Fair Housing Act rests with:

1 point

(A) the Secretary of the Interior.

(B) the Attorney General.

(D) the Secretary of Housing and Urban Development.

Clear selection

An owner wants to sell his property without the aid of a real estate broker. He may legally do all but one of the following:

1 point

(A) Establish the purchasing power of the buyer.

(B) Write up the sales contract between himself and the buyer.

(D) Reject a buyer on account of race.

Clear selection

A New Jersey developer is offering lots for sale in a subdivision zoned “light industry.” The asking price is $50,000. The developer receives a full-price, all-cash offer from a minority buyer with the following contingency: “This offer will become void if not accepted within 10 days.” On the 11th day, the developer sells the lot in question to a Caucasian buyer for $40,000. Which of the following statements is true?

1 point

(A) The developer violated the Federal Fair Housing Act.

(B) The developer’s action was legal because the contingency expired.

(D) A violation of the New Jersey Law Against Discrimination has occurred.

Clear selection

A complaint under the New Jersey Discrimination Law must be submitted within:

1 point

(A) 180 days.

(B) 60 days.

(D) two years.

Clear selection

A New Jersey landlord cannot refuse to rent to a family because:

1 point

(A) of marital status.

(B) they have a pet.

(D) of both A and C.

Clear selection

Evelyn and Walter Jenkins, an African-American couple, visit the office of XYZ Real Estate Co. After discussing their housing needs and financial information, the agent shows them homes in their price range, but only ones located in areas with a high percentage of African-American residents. The agent is engaging in the unlawful practice of:

1 point

(A) steering.

(B) redlining.

(D) panic peddling.

Clear selection

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