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level: Fair Housing Laws

Questions and Answers List

level questions: Fair Housing Laws

Question	Answer
the first law that began to promise equal rights for all citizens regardless of race or color	Civil Rights Act of 1866
a federal law that prohibits discrimination in housing based upon race, color, religion, or national origin and was amended to include sex, disability, and familial status; a.k.a. the Fair Housing Act of 1968	Fair Housing Act
a physical or mental impairment that limits at least one major activity in someone’s life	Disability
an illegal act of channeling buyers or tenants to certain areas, either to keep the area demographically the same or to change the demography of the area	Steering
a federal law enacted to remove barriers for individuals with disabilities	American with Disabilities Act
the concept that everyone will have equal access to housing with no discriminatory actions taking place	Equal Opportunity in Housing
- a department that administers assigned programs on Texas housing, invests resources strategically, and develops high quality affordable housing which allows Texas communities to thrive	Texas Department of Housing and Community Affairs
a change in rules, policies, or practices that may be necessary to afford a person with a disability an equal opportunity to use or enjoy a dwelling	Reasonable Accommodation
groups that are illegal to discriminate against, as defined by the Fair Housing Act	Protected Classes
a 1988 amendment to the Fair Housing Act, that added familial status and disability to the list of protected classes	Housing and Community Development Act
protected class that applies to any family with at least one person under 18 years of age with at least one parent or legal guardian	Familial Status
the illegal practice of causing owners to to sell their homes by creating fear that minorities are moving into the area; also known as panic peddling	Blockbusting
law prohibiting credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or use of public assistance	Equal Credit Opportunity Act (ECOA)
helps commercial banks and savings associations meet the needs of borrowers in all segments of their communities, including low- and moderate-income neighborhoods	Community Reinvestment Act
the illegal act of an lender denying mortgages in certain areas of town	Redlining
federal act that requires lenders to disclose specific lending information, which HUD then uses to map lending patterns	Home Mortgage Disclosure
a physical or mental impairment that substantially limits one or more of an individual’s major life activities	Disability