Fair Housing and Disclosures Flashcards

A landlord refuses to rent to a couple because they have two young children. This is an example of discrimination based on:

Answer: Familial status

Familial status is a protected class under the Fair Housing Act, covering households with children under 18.

Which of the following properties is generally exempt from the Fair Housing Act's prohibition on sex discrimination?

Answer: A rooming house where the owner occupies the premises and rents no more than four rooms

The Mrs. Murphy exemption allows owner-occupied buildings with four or fewer units to be exempt from certain Fair Housing Act provisions.

Under the Americans with Disabilities Act (ADA), which of the following must provide accessible facilities?

Answer: Commercial facilities open to the public

The ADA requires places of public accommodation and commercial facilities to be accessible to people with disabilities.

A seller asks an agent to only show the property to buyers of a specific ethnic background. The agent should:

Answer: Refuse and explain that steering violates fair housing laws

An agent must refuse discriminatory instructions from sellers as compliance would violate the Fair Housing Act.

Which federal law requires lenders to disclose the annual percentage rate (APR) to borrowers?

Answer: Truth in Lending Act (TILA)

TILA (Regulation Z) requires lenders to clearly disclose the APR and total loan costs to borrowers.

An agent who only shows minority buyers homes in certain neighborhoods and white buyers homes in other neighborhoods is engaging in:

Answer: Steering

Steering is the illegal practice of directing buyers toward or away from neighborhoods based on protected characteristics.

Under the Fair Housing Act, a landlord may lawfully ask a disabled tenant to:

Answer: Restore the unit to its original condition at move-out if reasonable modifications were made at the tenant's expense

Landlords can require tenants who make modifications to restore the unit to its original condition at move-out, but cannot charge extra deposits for service animals.