11: Fair Housing Practice Test
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Joe salesperson has been involved in a marketing effort in the Happy Hollow neighborhood. He hopes to find some sellers interested in listing because he has several minority buyers that have specifically mentioned an interest in that neighborhood. Joe is likely involved in:
A. Steering
B. Prospecting
C. Blockbusting
D. Redlining
A
Rumblewood Apartments is a development occupied mostly by 20 & 30-somethings. The popularity of the complex is tied to the many parties and social activities that are offered. Bill and Mary recently sold their home in preparation for Bill’s retirement. In order to avoid property maintenance they have decided to rent. Their application at Rumblewood is denied because the property manager does not feel they would “fit in” with the other tenants. The property manager is likely:
A. In violation of the Civil Rights Act of 1866
B. In violation of Elliott Larsen Civil Rights Act.
C. Both “A and B”
D. Neither “A or B”
B
Tina Tenant is having trouble paying her rent. LeRoy Landlord, who is interested in Tina, suggests that she may pay her rent using sexual acts. Tina should:
A. Complain to the Fair Housing office.
B. File suit directly against LeRoy.
C. Understand that LeRoy was making a joke.
D. Either “A or B”
D
Jane salesperson has been showing homes to homebuyers that recently moved to this country due to civil unrest in their homeland. The buyers have limited use of English and are most comfortable with other members of their ethnic group. Jane has been limiting showings to properties in the Sunshine Acres area because many property owners there share the same heritage and language as the buyers. Jane is likely involved in:
A. Steering
B. Prospecting
C. Blockbusting
D. Redlining
A
Larry landlord occupies the garden-level apartment in a quad-unit building he owns. The Jones family with two children under 10 years old is interested in renting the vacant unit above Larry’s apartment.
A. Larry must rent to them because their children are under 18.
B. Larry may refuse to rent them because of their race.
C. Larry must rent to them because their credit is outstanding.
D. Larry may refuse to rent them as he occupies one of the units.
D
Broker Bob is representing a developer by marketing new homes in a recently created subdivision. Ads are placed in magazines, on billboards, and on the web. These advertisements have pictures of models from numerous backgrounds that appear to be enjoying a community picnic. The slogan “people like us…like Rainbow Hills”. Bob is likely involved in:
A. Steering
B. Prospecting
C. Blockbusting
D. Redlining
A
To get away from Michigan winters Cliff and Clara spend several months visiting southern States. To help with their expenses they plan to rent out their home until they return in the spring. Which of the following applies:
A. They are exempt from the Elliot Larsen Act.
B. They are exempt from the 1866 Civil Rights Act.
C. Neither A nor B
D. Both A & B
C
Lucy landlord has a vacant apartment available in an eight-unit building she owns. Mary is a veteran interested in renting the vacant unit. Due to a mobility issue, Mary will require a ramp to access the doorway and grab bars in the shower in the apartment.
A. Lucy must allow Mary to modify the unit at Mary’s expense.
B. Lucy may refuse to rent because of Mary’s disability.
C. Lucy must upgrade the apartment to suit Mary’s disability.
D. Lucy may refuse to rent because it was not advertised as accessible.
A
Familial Status provisions of the 1968 Fair Housing Act do not cover:
A. Residential rentals.
B. All Senior Housing communities
C. Residential single-home construction
D. Residential mortgage loans
B
Big City Apartments are proud to offer rental opportunities to tenants of a religious group easily identified by their dress and customs. To visibly demonstrate their open housing policy the apartments in the front of the complex are assigned to these tenants. Which of the following is true?
A. The landlord should be recognized with an award.
B. The landlord is discriminating against other religious groups.
C. The landlord may be guilty of redlining.
D. Other Landlords should follow this model to show compliance.
B
Volunteers from the local Fair Housing Center have documented that Broker Brown regularly violates the law. They did this by impersonating potential buyers and reporting the behavior of the Agent. This is known as:
A. Harassment
B. Testing
C. Entrapment
D. Baiting
B
A tenant with a mobility challenge will need a ramp to access their rental home:
A. The Landlord should contact a local charity install the ramp due to the disability.
B. The Landlord must install the ramp due to the disability.
C. The Landlord must allow the ramp to be installed, but may require it to be removed at end of the lease, due to the disability.
D. It’s the tenant’s problem no action is needed form the Landlord.
C
The illegal practice of lenders refusing to loan in areas populated by minorities is called:
A. Redlining
B. Steering
C. Zone discrimination
D. Prejudicial qualification
A
Larry landlord refuses to rent an apartment to Terry Tenant, because Terry is black. Terry wants to make sure Larry pays the largest fines possible. Under which law should Terry take action?
A. 1968 Fair Housing Act
B. Elliot-Larsen Civil Rights Act
C. The Equal Credit Opportunity Act
D. The 1866 Civil Rights Act
D
Which civil rights law has age and marital status as part of its protected classes?
A. 1968 Fair Housing Act
B. The ECOA
C. The 1964 Civil Rights Act
D. None of the above
B
Under federal fair housing laws, it is legal to prohibit which of the following in a housing unit?
A. Smoking.
B. A live-in caregiver for a resident with a disability.
C. Drinking alcohol.
D. Both A and C.
D
Which of the following are violations or potential violations of the Fair Housing Act?
A. A seller tells you that he does not want to sell to African Americans.
B. A sales associate puts the phrase "adults only" in an MLS listing.
C. Both A and B.
D. None of the above.
C
Under the federal Fair Housing Act of 1968, protected classes include:
A. Race, color, source of income, handicap, national origin, marital status, religion.
B. Race, color, religion, sex, handicap, familial status, national origin.
C. Race, sexual orientation, sex, familial status, handicap, age, and national origin.
D. None of the above.
B
When a prospect inquires about the racial makeup of neighborhoods or schools, a licensed real estate agent should respond by saying:
A. ”I believe the neighborhood has a few Hispanic families; I can check and get back to you."
B. ”The Fair Housing Act prohibits me from providing that kind of information. I recommend you contact the school district, municipal government, or the local library."
C. ”I would not worry about that; the neighborhood is safe and the schools are good."
D. ”Residents in this neighborhood value diversity; you will fit right in.”
B
Looking at the following four marketing examples, which one is least likely to be violating any Fair Housing laws?
A. Advertising your knowledge of a language other than English in an English-language advertisement.
B. Advertising only in a strategically limited geographic area that is populated by a particular ethnic group of people.
C. Limiting advertising to small papers that cater to particular religious groups of people.
D. Promoting a listing only in selected sales offices located in communities with similar ethnic populations.
A
Which of the following features are required in ground floor units of non-elevator multifamily buildings of four units or more built after March 1991?
A. An accessible building entrance or an accessible route for persons in wheelchairs.
B. Accessible and usable public and common-use areas.
C. Light switches, electrical outlets, thermostats, and other environmental controls in accessible locations.
D. All of the above.
D
Penalties for Fair Housing Act violations awarded by an Administrative Law Judge may be as much as:
A. $50,000 for the first offense.
B. $10,000 for the first offense.
C. $15,000 for the first offense.
D. $26,000 for the first offense.
D
What is the best response when asked a question such as "How many senior citizens live here?"
A. “I don't have the exact number but you are welcome to contact the census bureau for that information.”
B. “I'm sorry. I am not able to disclose that information, however, you are more than welcome to utilize our facilities this weekend and see for yourself the type of residents who live here.”
C. “We are an equal opportunity renter. Anyone that fills out an application and meets our qualification guidelines is welcome to live here.”
D. A and C.
D
HUD shall complete an investigation on an alleged Fair Housing complaint within ___ days. If the investigation cannot be completed within this time frame, the aggrieved person and respondent will be notified of the reasons for the delay.
A. 30 days.
B. 60 days.
C. 90 days.
D. 100 days.
D
To qualify as an adult-only apartment community under federal law:
A. 80% of the units must be occupied by at least one person over 55.
B. 75% of the units must be occupied by at least one person 62 or over.
C. 85% of the units must be occupied by at least one person over 50.
D. Any of the above.
A
Which of the following are violations or potential violations of the Fair Housing Act?
A. A seller tells you that he does not want to sell to African Americans.
B. A sales associate puts the phrase “adults only” in MLS listings.
C. Both A and B.
D. None of the above.
C
The Fair Housing Act prohibits all of the following except:
A. Refusal to show, sell, or rent a property because of disability.
B. Expressing a preference for young adults in a listing comment.
C. Evicting a current user of illegal drugs.
D. Marketing your listings exclusively in a religious publication.
C
- The Fair Housing Act of 1968 does which of the following?
- A. Grants all citizens the same rights as white citizens to own, purchase, lease, transfer, or use real property.
- B. Allows exemptions for homes sold without the assistance of a real estate practitioner.
- C. Prohibits discrimination in real estate activity based on race and other protected classes.
- D. Both B and C.
D
- Based on the federal Fair Housing Act, which of the following people would be protected from discrimination in real estate matters?
- A. A divorced female that is also a single parent.
- B. A 35year-old single, a Jewish man.
- C. A 50-year old white man.
- D. All of the above.
D
- If a seller using a real estate agent refuses an offer because of the buyer’s national origin, who may file a federal lawsuit against the seller?
- A. The prospective buyer.
- B. The real estate practitioner.
- C. The federal government.
- D. All of the above.
D
- In an advertisement for a small, two-bedroom house in a neighborhood where many families live, which of the following would be improper language under the Fair Housing Act?
- A. Small, cozy home in a quiet neighborhood.
- B. No children wanted.
- C. Two-bedroom home near a playground and a senior center.
- D. Open floor plan and large windows.
B
- A landlord refuses to rent to a woman because she is black. The woman wants to ensure that the landlord pays the largest penalty possible for the violation. Under which law should she take action?
- A. 1866 Civil Rights Act
- B. Elliot-Larsen Civil Rights Act
- C. Federal Fair Housing Act
- D. The Americans with Disabilities Act
A
- The practice of directing minorities looking to purchase homes to neighborhoods populated by the same race or away from neighborhoods of other races or minorities is called:
- A. Blockbusting.
- B. Redlining.
- C. Steering.
- D. Blind Advertising.
C
- The Fair Housing Act of 1968 prohibits discrimination based on all of the following except:
- A. Sexual orientation.
- B. Disability.
- C. National origin.
- D. Age.
D
- Which civil rights law has no exceptions?
- A. American with Disabilities Act
- B. The 1866 Civil Rights Act
- C. The 1968 Fair Housing Act
- D. The Elliot-Larsen Civil Rights Act
B
- A licensed real estate salesperson has just been informed by a client that he does not want his home shown to any minorities. The salesperson should:
- A. Report this to the broker.
- B. Explain why this is illegal.
- C. Refuse the listing.
- D. Do nothing.
C
- Which law has marital status and age as part of its protected classes?
- A. Elliot-Larsen Civil Rights Act
- B. 1866 Civil Rights Act
- C. Americans with Disabilities Act
- D. Fair Housing Act
A
The Civil Rights Act of 1866 is enforced by:
A. HUD.
B. The Civil Rights Commission.
C. State courts.
D. Federal courts.
D
Which of the following is legal?
A. Refusing to rent to a black woman with children.
B. Denying a mortgage loan to a Hispanic man with poor credit.
C. A single woman refusing to sell her home to any minorities.
D. A real estate agent who works with black clients only.
B
The Fair Housing Act of 1968 prohibits discrimination in real estate matters due to:
A. Age.
B. Marital status.
C. Religion.
D. Weight.
C
- A young woman is refused permission to buy a condo in a complex that restricts purchases to people over the age of 50. This is:
- A. Illegal
- B. Legal in all 50 states
- C. Legal if there is a restrictive covenant in the enabling declaration
- D. Legal in Michigan if designated as an adult living housing complex
D
- A sales ad, “Whites Only” appears in the real estate for sale section is.
- A. Legal if it is owner-occupied
- B. Legal if a real estate agent is not involved
- C. Legal because it is a one-family house
- D. Illegal
D
- ___The Supreme Court decision, Jones v Mayer, confirmed:
- A. The constitutionality of fair housing laws
- B. The legality of the various exceptions to fair housing laws
- C. No exception for race in fair housing laws
- D. The owner-occupied exemption for fair housing laws
A
- ___Advising people on which neighborhoods they would be most happy with based on the racial make-up of the neighborhood may be:
- A. Redlining
- B. Blockbusting
- C. Steering
- D. Cavorting
C
- ___An Irish couple looking for a home asks a real estate agent to show them houses in Irish neighborhoods. Which of the following is correct?
- A. The agent may accommodate this request because the buyers initiated it.
- B. The agent should tell the buyers she will show them every house that meets their needs in many different neighborhoods and inform them she does not differentiate the neighborhoods by ethnicity.
- C. The agent should refuse to work with the buyers.
- D. The agent should agree, and then show them houses in other neighborhoods.
B
Under the federal Fair Housing Act of 1968, protected classes include:
A. Race, color, source of income, handicap, national origin, marital status, religion.
B. Race, color, religion, sex, handicap, familial status, national origin.
C. Race, sexual orientation, sex, familial status, handicap, age, national origin.
D. None of the above.
B
When a prospect inquires about the racial makeup of neighborhoods or schools, a licensed real estate agent should respond by saying:
A. ”I believe the neighborhood has a few Hispanic families; I can check and get back to you."
B. ”The Fair Housing Act prohibits me from providing that kind of information. I recommend you contact the school district, municipal government, or the local library."
C. ”I would not worry about that; the neighborhood is safe and the schools are good."
D. ”Residents in this neighborhood value diversity; you will fit right in.”
B
What is the primary purpose of fair housing laws?
A) To promote segregation in housing
B) To protect landlords from discrimination
C) To ensure equal housing opportunities for all
D) To regulate property values
C
Which of the following is NOT a protected class under federal fair housing laws?
A) Race
B) Religion
C) Sexual orientation
D) Weight
D
Which of the following is a protected class under the Michigan Elliott-Larsen Civil Rights Act?
A) Marital status
B) Hair color
C) Political affiliation
D) Credit score
A
- What is steering? - A) Guiding buyers to or away from certain neighborhoods based on protected characteristics
- B) Refusing to show properties to certain buyers
- C) Charging different commission rates to different clients
- D) Providing false information about a property
A
What is blockbusting?
A) Building a new development in a previously undeveloped area
B) Inducing panic selling by suggesting that people of a protected class are moving into the neighborhood
C) Refusing to rent to families with children
D) Discriminating against tenants with disabilities
B
What is redlining?
A) Marking a property with a red line to indicate it is for sale
B) Refusing to make loans or issue insurance in certain areas based on protected characteristics
C) Charging higher rents to certain tenants
D) Requiring a higher down payment from certain buyers
B
Which of the following is an example of discriminatory advertising?
A) "Beautiful home in a tree-lined neighborhood"
B) "Cozy apartment near train station"
C) "Spacious condo with wheelchair accessible features"
D) "No children allowed"
D
What is a reasonable accommodation?
A) A change in rules or policies to allow a person with a disability to enjoy equal housing opportunities
B) A discount on rent for families with children
C) A preference given to certain applicants
D) A requirement that all tenants have the same income level
A
What is a reasonable modification?
A) A structural change to a property to allow a person with a disability to enjoy equal housing opportunities
B) A cosmetic change to a property to improve its appearance
C) A change in the zoning of a property
D) A change in the ownership of a property
A
Which of the following is a valid reason to refuse to rent to a tenant with a disability?
A) The tenant has a service animal
B) The tenant needs to make reasonable modifications to the property
C) The tenant requires a parking space near their unit
D) The tenant has a history of damaging property
D
The Fair Housing Act is enforced by:
A) The Department of Housing and Urban Development (HUD)
B) The Federal Trade Commission (FTC)
C) The Environmental Protection Agency (EPA)
D) The Department of Justice (DOJ)
A
What is the maximum penalty for a first violation of the Fair Housing Act?
A) $1,000
B) $10,000
C) $26,000
D) $100,000
C
What is the statute of limitations for filing a fair housing complaint with HUD?
A) 6 months
B) 1 year
C) 2 years
D) 4 years
B
What is familial status?
A) A person's marital status
B) A person's relationship to their family
C) A household with children under 18
D) A household with elderly residents
C
Which of the following is an exception to the Fair Housing Act's prohibition on discrimination based on familial status?
A) Housing intended for older persons
B) Housing intended for single professionals
C) Housing intended for students
D) Housing intended for low-income families
A
What is disability under the Fair Housing Act?
A) A physical or mental impairment that substantially limits one or more major life activities
B) A temporary illness
C) A drug addiction
D) A criminal record
A
Which of the following is NOT a reasonable accommodation for a person with a disability?
A) Providing a designated parking space
B) Allowing a service animal
C) Waiving pet fees
D) Refusing to rent to the person
D
What is the purpose of the Americans with Disabilities Act (ADA)?
A) To prohibit discrimination against people with disabilities in employment, public accommodations, and transportation
B) To provide housing for people with disabilities
C) To regulate the construction of accessible buildings
D) To provide financial assistance to people with disabilities
A
Which of the following is a type of assistive animal recognized under the Fair Housing Act?
A) Service animals
B) Emotional support animals
C) Therapy animals
D) All of the above
D
What is a landlord's responsibility regarding a tenant's request for a reasonable accommodation or modification?
A) The landlord must always grant the request
B) The landlord must deny the request
C) The landlord must engage in an interactive process with the tenant to determine if the request is reasonable and necessary
D) The landlord can ignore the request
C
What is the role of a real estate agent in fair housing? - A) To comply with all fair housing laws
A) To comply with all fair housing laws
B) To treat all clients fairly and equally
C) To educate clients about fair housing
D) All of the above
D
What should an agent do if a client makes a discriminatory request?
A) Comply with the request
B) Refuse the request and explain fair housing laws
C) Ignore the request
D) Report the client to HUD
B
Which of the following is NOT a source of fair housing information?
A) HUD
B) The National Association of REALTORS®
C) Local fair housing organizations
D) The Better Business Bureau
D
What is the Equal Credit Opportunity Act (ECOA)?
A) A law that prohibits discrimination in lending based on protected characteristics
B) A law that requires lenders to provide equal access to credit
C) A law that regulates interest rates
D) A law that prohibits redlining
A
Which of the following is a violation of ECOA?
A) Refusing to grant a loan because of an applicant's race
B) Requiring a higher down payment from a female applicant
C) Denying a loan because of an applicant's age
D) All of the above
D