HUD Exam - Fair Housing Questions and Answers with Certified Solutions

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HUD Exam - Fair Housing Questions and Answers with Certified Solutions Which describes the legally enforceable terms that govern the use of real estate? A. Residential security restrictions B. Dee... d restrictions C. Redlined Maps Government-sponsored deeds ✔✔B. Deed Restrictions -Deed restrictions are legally enforceable terms that govern the use of real estate. Deed restrictions that discriminate based on any of the seven prohibited bases for discrimination are illegal and unenforceable. Which is the practice of refusing to make residential loans or imposing more onerous terms on any loans made because of the predominant race, color, national origin, religion, sex, disability, of familial status of the area's residents? A. Securitizing B. Blockbusting C. Predatory lending D Redlining ✔✔D. Redlining -Redlining is the practice of refusing to make residential loans or imposing more onerous terms on any loan made because of the predominant race, color, national origin, religion, sex, disability, or familial status of the area's residents. Following the assasination of Dr. Martin Luther King Jr. , Congress passed what monumental piece of legislation, which prohibits discrimination in housing sales, rentals, and financing based on race, color, national origin, religion, (and as later amended) sex, disability, and familial status? ✔✔Civil Rights Act of 1968 The Fair Housing Act, as amended, protects how many characteristics? ✔✔7 Characteristics; race, color, national origin, sex, religion, disability and familial status A property manager of an apartment complex that receives federal financial assistance installs a ramp so that a tenant in a wheelchair can easily access her first-floor apartment. What type of change is this an example of? A. Reasonable accommodation B. Accessibility modification C. Reasonable modification D. Accessibility accommodation. ✔✔C. Reasonable Modification A housing provider has a policy of requiring tenants to come to the rental office to pay their rent. A tenant with a mental disability, who is afraid to leave her unit, is allowed to mail her rent payment. What type of change is this an example of? A. Reasonable accommodation B. Accessibility modification C. Reasonable modification D. Accessibility accommodation. ✔✔Reasonable Acommodation Refusing to rent, sell, or negotiate for housing when the owner of the housing is a private entity that owns six single family houses. A. This is a legal practice. B. This is a prohibited practice. ✔✔B. Prohibited Practice -According to the Fair Housing Act, it is prohibited to rent, sell, or negotiate the sale or rental of a dwelling based on protected characteristics. Since the private entity owns more that three single-family houses, it is subject to compliance with fair housing laws. Making housing that is operated by a religious organization unavailable to those who are not members of the religious organization. A. This is a legal practice. B. This is a prohibited practice. ✔✔A. Legal practice -The Fair Housing Act restrictions do not apply to circumstances in which housing is operated by, or in conjunction with, a religious organization, association, society, or nonprofit organization. Limiting information regarding suitably priced dwelling available for inspection, sale, or rental of an owner-occupied facility with fifteen individual family units A. This is a legal practice. B. This is a prohibited practice ✔✔B. Prohibited practice. -According to the Fair Housing Act, it is prohibited to falsely represent the availability of a dwelling, through actions such as limiting information, by word or conduct, regarding suitably priced dwellings, available for inspection, sale or rental. Since the owneroccupied facility has rooms and units that are occupied by more than four families living independently of each other, it is subject to compliance with fair housing laws. Failing to process an offer for the sale or rental of a dwelling that was promoted by a real estate agent. A. This is a legal practice B. This is a prohibited practice. ✔✔B. Prohibited practice -According to the Fair Housing Act, it is prohibited to set different terms, conditions, or privileges in services and facilities, through actions such as failing to process an offer for the sale or rental of a dwelling. Refusing to rent a dwelling to a family with young kids in a community that the HUD secretary has determined to be designated for elderly persons under a federal program. A. This is a legal practice. B. This is a prohibited practice. ✔✔A. Legal Practice -Housing providers for older persons may be exempt from the familial status provisions of the Fair Housing Act, if the HUD Secretary has determined the housing is designed for and occupied by elderly persons under a federal, state, or local government program. In mortgage lending, the Fair Housing Act prohibits all of the following actions based upon protected characteristics, except: A. Refusing to provide information regarding loans B. Imposing different terms or conditions on a loan C. Suggesting that a potential client review information about all different loan types D. Discriminating in appraising property. ✔✔C. Suggesting that a potential client review information about all different loan types. -The Fair Housing Act does not prohibit a lender from showing potential clients information about different types of loans. A mortgage lender denies a home loan to an applicant with a disability because his credit score is too low and approves an applicant without a disability that has a higher credit score. A. This is a legal practice B. This is a prohibited practice ✔✔A. Legal practice -If an applicant needs additional insurance for flood coverage, the policy will likely be more expensive. It is not an unlawful practice to charge more for additional coverage, as long as the charge is not based on race, color, national origin, religion, sex, disability, or familial status. A home insurance company offers female applicants policies that are sub-standard and not competitive with the market but offers male applicants standard policies with competitive terms. A. This is a legal practice B. This is a prohibited practice ✔✔B. Prohibited practice - The home insurance company cannot set different terms and conditions based on any of the protected characteristics. A mortgage lender offers steeper interest rates and different terms and conditions to borrowers who are Native American that to those who are white. A. This is a legal practice. B. This is a prohibited practice. ✔✔B. Prohibited practice -The lender cannot set different rates, terms, and conditions based on race. Which HUD program provides annual funding to state and local agencies that enforce fair housing laws that are substantially equivalent to the Fair Housing Act? These funds go toward an agency's capacity building, administrative costs, investigative and enforcement efforts, training, and other projects designed to support enforcement of fair housing laws. A. Fair Housing Initiatives Program (FHIP) B. Fair Housing Assistance Program (FHAP) ✔✔B. Fair Housing Assistance Program (FHAP) Which HUD program provides funding to fair housing organizations and nonprofits that assist people who may have been victims of housing discrimination? A. Fair Housing Initiatives Program (FHIP) B. Fair Housing Assistance Program (FHAP) ✔✔A. Fair Housing Initiatives Program (FHIP) All are examples of how entities that participate in HUD housing or urban development programs can affirmatively further fair housing, except: A. Issue an order for relief if it is found that an organization has engaged, or is about to engage, in a discriminatory housing practice. B. Strategically market available housing to persons less likely to apply. C. Examine its programs or proposed programs and identify and impediments to fair housing choice within those programs. D. Pursue affirmative fair housing marketing policies in soliciting buyers and tenants for providers of all types of housing in a jurisdiction. ✔✔A. Issue an order for relief if it is found that an organization has engaged, or is about to engage, in a discriminatory housing practice. -Issuing an order for relief is the responsibility of an administrative law judge of the district court, not of entities that participate in HUD programs. Which aims to identify groups of people who would benefit most if targeted by the campaign, the characteristics of these people, and their expectations? A. Marketing analysis B. HUD-funded program. C. Networking event ✔✔A. Marketing Analysis -To create an effective marketing plan, housing counseling agencies typically conduct a market analysis. The aim of this is to identify groups of people who would benefit most if targeted by the campaign, the characteristics of these people and their expectations. Which can a housing counselor participate in to benefit from increased awareness of the plans and actions of housing industry members, private organizations and foundations, public housing agencies, neighborhood groups, regional organizations, and others to further fair housing objectives? A. Marketing analysis B. HUD-funded program C. Networking event ✔✔C. Networking event. -There are numerous ways that participating in networking events, or collaboration events, benefit housing counselors. One benefit is the opportunity to increase awareness of the plans and actions of housing industry members, private organizations and foundations, public housing agencies, neighborhood groups, regional organizations, and others to further fair housing objectives. To assist clients who may utilize them, housing counselors should research AFFH rules for which of the following? A. Market analysis B. HUD-funded program C. Networking event ✔✔B. HUD-funded program -If housing counseling clients seek housing through certain programs, it is beneficial for them to be aware of AFFH requirements for those programs. Housing counselors can research AFFH rules for all types of programs with AFFH requirements, in order to inform their clients. [Show More]

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