Practice Test Geeks(MRP) Military Relocation Professional Practice Test
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Fair Housing Laws Flashcards

7 cards from real MRP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Fair Housing Laws flashcards as text

  1. The Home Mortgage Disclosure Act (HMDA) requires lenders to collect and report data primarily to:

    Answer: Help identify potential discriminatory lending patterns

    HMDA requires lenders to report loan application data so regulators and the public can identify and address potential patterns of discriminatory lending.

  2. A military spouse applies for a home loan and is asked her marital status and plans for having children. Under ECOA, the lender:

    Answer: May not ask either question as both violate ECOA

    ECOA prohibits lenders from inquiring about marital status (except in community property states or joint applications) or plans for having children, as these questions could lead to sex or familial status discrimination.

  3. Under the Fair Housing Act, which of the following is a legitimate, non-discriminatory reason for denying a rental application?

    Answer: The applicant has a recent eviction judgment on their record

    A documented prior eviction is a legitimate, non-discriminatory business reason for denying a rental application, provided it is applied consistently to all applicants.

  4. A real estate professional who is an MRP designee works with relocating military families. Which fair housing obligation is UNIQUE to the MRP context?

    Answer: Understanding SCRA protections that intersect with fair housing

    MRP professionals must understand how the Servicemembers Civil Relief Act interacts with fair housing obligations, including lease termination rights and protections specific to active-duty military members.

  5. A housing provider's policy requires all prospective tenants to have a credit score of 700 or above. A study shows this policy screens out a disproportionate number of applicants of a certain race. This is BEST described as:

    Answer: Potentially illegal disparate impact discrimination

    Even neutral criteria like credit score thresholds can constitute illegal disparate impact discrimination if they disproportionately exclude a protected class without business necessity justification.

  6. Which scenario would most likely be protected under the Fair Housing Act's prohibition on sexual harassment?

    Answer: A property manager conditioning lease renewal on sexual favors

    HUD regulations recognize quid pro quo sexual harassment — conditioning housing benefits on sexual conduct — as a form of sex discrimination prohibited by the Fair Housing Act.

  7. The maximum civil penalty that HUD can impose on a first-time respondent in a fair housing case is approximately:

    Answer: $16,000

    HUD can impose civil penalties of approximately $16,000 for a first violation, $40,000 for a second violation within 5 years, and up to $70,000 for subsequent violations within 7 years (amounts are periodically adjusted).