Texas Real Estate Chapter 5 Key Terms

Americans with Disabilities Act (ADA)

a federal law giving disabled individuals the right to access to commercial facilities open to the public

block busting

the illegal practice of inducing panic selling in a neighborhood for financial gain

Community Reinvestment

Act (CRA)

a federal statute encouraging federally regulated lenders to participation in low-income areas

fair housing tester

An individual who investigates housing discrimination by posing as a potential renter or buyer.

familial status

A protected class that includes individuals who are pregnant or have children under the age of 18.

handicapped

A term used to describe individuals with physical or mental disabilities that limit one or more major life activities.

protected class

Groups of people protected from discrimination by law, including race, color, religion, sex, national origin, familial status, and disability.

steering

The practice of directing prospective homebuyers or renters to particular neighborhoods based on their race or other protected characteristics.

Texas Fair Housing Act

A state law that prohibits discrimination in housing based on race, color, religion, sex, national origin, disability, and familial status.

redlining

The practice of denying services, typically financial, to residents of certain areas based on their race or ethnicity, resulting in segregation and unequal access to housing.