Real Estate Practice - Chapter 19: Fair Housing

17 Questions  I  By Sseveland on August 30, 2011

  

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1.  Blockbusting is the discriminatory and illegal act of leading or guiding real property purchasers to particular areas of a community or even keeping them away from other areas of a community.
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2.  The underlying motivation for blockbusting would be for a real estate agent to try to create more listings and sales in an attempt to make more money. By suggesting or even implying that a change in the composition of the community would bring a decline in property value or school quality, or an increase in crime or undesirable conditions, would be an attempt to incite fear in property owners based upon personal greed.
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3.  The discriminatory and illegal act of guiding real property purchasers to particular areas of a community or even keeping them away from other areas of a community is known as redlining.
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4.  Redlining even involved insurance companies refusing to issue property insurance in certain areas of a community for reasons based on an excessive number of fires rather than on the merits of individual applicants.
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5.  The failure of a real estate agent to ask two different buyers the same quality and quantity of questions regarding their ability to purchase a home could be considered grounds for a complaint of discrimination.
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6.  Various agencies of the federal government and other organizations send out testers who are persons disguised as buyers to make sure that sellers are following the provisions of the Sellers Property Disclosure Statement.
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7.  The oldest Fair Housing laws that prohibit discrimination based on race go back as far as 1968.
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8.  Another name for the Civil Rights Act of 1968 is the Fair Housing Act.
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9.  The Civil Rights Act of 1968 prohibits discrimination based on color, race, religion, national origin, and sex.
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10.  The factor of familial status (family status) was included in the federal housing laws in particular to prevent discrimination against families with children or pregnant women who were being denied the opportunity to purchase or rent housing. Because of the Fair Housing Amendments Act, it is unlawful today to advertise "adults only".
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11.  In the 1968 Brown vs. Board of Education (Topeka, Kansas), the United States Supreme Court ruled that there are no special exemptions or exceptions for discrimination based on race.
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12.  The fair housing law in Pennsylvania is known as the Pennsylvania Human Relations Act of 1955, which prohibits discrimination in the sale or rental of housing, however, it does NOT include commercial real estate.
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13.  The protected classes of persons for which there can be NO discrimination include: RACE, COLOR, SEX, RELIGIOUS CREED, ANCESTRY, NATIONAL ORIGIN, HANDICAP OR DISABILITY, AGE, FAMILIAL STATUS, DISABILITY OR USE OF A SUPPORT ANIMAL BECAUSE OF BLINDNESS, DEAFNESS, OR PHYSICAL HANDICAP OF USER OR BECAUSE USER IS A HANDLER OR TRAINER OF SUPPORT OR GUIDE ANIMALS.
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14.  When advertising the sale or rental of real estate, newspapers and real estate offices should avoid the use of certain words such as "adults only", "close to "synagogue" or "family room".
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15.  In Pennsylvania complaints filed with HUD (Federal Department of Housing and Urban Development) are handled by the Fair Housing Committee of the Pennsylvania Real Estate Commission. An aggrieved party may also seek a remedy for monetary damages through an Adminstrative Law Judge.
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16.  Both HUD and the Pennsylvania Human Relations Commission require that fair housing posters be on display in real estate offices involved in sales or rentals. Failure of a real estate office to display the required poster is grounds for a complaint of discrimination to be filed against the office.
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17.  The federal law that guarantees all borrowers an equal chance to obtain credit is known as the Equal Credit Opportunity Act (ECOA).
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