COS Fair Housing Laws 3

Question 1

The Fair Housing Act of 1968 was originally passed as an amendment to which broader legislation?

Accepted Answer

The Civil Rights Act of 1968

Answer

The Fair Housing Act is Title VIII of the Civil Rights Act of 1968, signed into law one week after the assassination of Dr. Martin Luther King Jr.

Question 2

Which of the following exemptions exists under the Fair Housing Act?

Accepted Answer

Single-family homes sold or rented by an owner without a broker and without discriminatory advertising

Answer

Owner-occupied single-family homes sold or rented privately without an agent and without discriminatory advertising may be exempt from some FHA provisions.

Question 3

Under the Fair Housing Act, 'redlining' refers to:

Accepted Answer

Refusing to provide financing in certain areas based on racial or ethnic composition

Answer

Redlining is the discriminatory practice of refusing mortgage loans, insurance, or other financial services in neighborhoods based on their racial or ethnic makeup.

Question 4

A housing provider denies an application because the applicant uses a Section 8 housing voucher. This may violate fair housing laws at which level?

Accepted Answer

Only state law in states with source-of-income protections

Answer

Source of income (including Section 8 vouchers) is not a federally protected class under the FHA but is protected in many states and localities that have added it.

Question 5

What is the statute of limitations for filing a fair housing complaint with HUD?

Accepted Answer

1 year

Answer

A complaint must be filed with HUD within one year of the alleged discriminatory act.

(COS) Certified Occupancy Specialist Practice Test

(COS) Certified Occupancy Specialist Practice Test

COS Fair Housing Laws 3