NAHP Compliance Monitoring & Fair Housing Laws 2 — Questions and Answers
Question 1: Under the Fair Housing Act, which of the following is considered a prohibited basis for discrimination in the sale or rental of housing?
- Credit score below 600
- Familial status (Correct answer)
- Employment type
- Pet ownership
Correct answer: Familial status
The Fair Housing Act prohibits discrimination based on familial status, which includes families with children under 18 and pregnant women.
Question 2: A NAHP professional discovers that a property manager is charging Hispanic applicants a higher security deposit than white applicants. This is an example of:
- Redlining
- Steering
- Disparate treatment (Correct answer)
- Blockbusting
Correct answer: Disparate treatment
Disparate treatment occurs when individuals of a protected class are intentionally treated differently, such as being charged higher fees.
Question 3: A Housing Credit property must maintain compliance with income and rent restrictions for how many years after the building is placed in service?
- 10 years
- 20 years
- 30 years (Correct answer)
- 50 years
Correct answer: 30 years
The Low-Income Housing Tax Credit program requires a minimum 30-year extended use period for compliance.
Question 4: Which federal agency is primarily responsible for enforcing the Fair Housing Act?
- IRS
- HUD (Correct answer)
- CFPB
- FTC
Correct answer: HUD
The U.S. Department of Housing and Urban Development (HUD) is the primary federal agency responsible for enforcing the Fair Housing Act.
Question 5: A state housing finance agency conducts an on-site inspection and finds that 8 of 10 randomly sampled units have unreported household members. This is most likely a violation of:
- Habitability standards
- Household composition requirements (Correct answer)
- Rent payment schedules
- Lead paint disclosure rules
Correct answer: Household composition requirements
Unreported household members can result in households exceeding income or occupancy limits, violating household composition requirements.
Question 6: Under Section 504 of the Rehabilitation Act, which type of housing provider must make reasonable accommodations for persons with disabilities?
- Private landlords with fewer than 5 units
- Only market-rate housing providers
- Recipients of federal financial assistance (Correct answer)
- For-sale housing only
Correct answer: Recipients of federal financial assistance
Section 504 applies to recipients of federal financial assistance, requiring them to make reasonable accommodations for persons with disabilities.
Question 7: During a compliance audit, a monitor finds that a property certified 100% of units as Low-Income but one unit is occupied by a household over the income limit. What is the correct course of action?
- Immediately evict the over-income household
- Apply the Available Unit Rule and rent the next available unit to a qualified household (Correct answer)
- Decertify the entire building
- Reduce rent for all units
Correct answer: Apply the Available Unit Rule and rent the next available unit to a qualified household
The Available Unit Rule (AUR) requires that the next available unit of the same or smaller size be rented to a qualified low-income household.
NAHP Compliance Monitoring & Fair Housing Laws 2
Under the Fair Housing Act, which of the following is considered a prohibited basis for discrimination in the sale or rental of housing?