Arkansas Practice Test → Fair Housing

Arkansas Fair Housing
Practice Questions & Answers (2026)

Fair housing is tested on every real estate exam in the country, but Arkansas candidates must know both federal and state-level protections. While Arkansas enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Arkansas Real Estate Commission (AREC) also tests how these protections apply in Arkansas-specific rental, sales, and advertising scenarios. Steering, blockbusting, redlining, and discriminatory advertising are all tested — and candidates who think they know fair housing cold often miss the state-specific extensions or the nuanced application scenarios. Review every question here carefully.

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Arkansas Fair Housing — Practice Questions & Answers

143 questions on Fair Housing from the Arkansas real estate question bank. First 10 are free — sign up to unlock all 143.

Q1. The Federal Fair Housing Act of 1968 prohibits discrimination based on which protected classes?

A.Race, color, national origin, religion, sex, familial status, disability
B.Race, color, national origin, religion, age, sex, disability
C.Race, color, national origin, sexual orientation, sex, familial status, disability
D.Race, color, religion, sex, marital status, age, disability

Explanation

The federal Fair Housing Act prohibits discrimination based on 7 protected classes: race, color, national origin, religion, sex, familial status, and disability (handicap). Additional classes may be protected at the state or local level.

Q2. Steering is an illegal fair housing practice that involves:

A.Refusing to show properties in certain neighborhoods to minority buyers
B.Directing or channeling buyers toward or away from certain neighborhoods based on protected class characteristics
C.Charging different security deposits based on a tenant's national origin
D.Placing a 'For Sale' sign in a neighborhood to encourage white residents to sell and move

Explanation

Steering is the illegal practice of guiding (steering) buyers or renters toward or away from certain neighborhoods based on their race, religion, or other protected characteristics.

Q3. Blockbusting (panic selling) occurs when a licensee:

A.Refuses to present an offer to a seller
B.Induces homeowners to sell by suggesting that members of a protected class are moving into the neighborhood
C.Fails to disclose a material defect to a buyer
D.Lists a property above its market value to discourage minority buyers

Explanation

Blockbusting is the illegal practice of inducing homeowners to sell by playing on fears that people of a certain protected class are moving into the area, with intent to profit from the resulting panic sales.

Q4. Which of the following is an example of redlining?

A.A lender refusing to make mortgage loans in certain neighborhoods based on the racial or ethnic composition of the area
B.A landlord refusing to rent to a tenant with poor credit
C.A seller rejecting a low offer from a buyer
D.An appraiser valuing a property below its asking price

Explanation

Redlining is the illegal practice by lenders or insurers of refusing to offer services, or offering them on less favorable terms, based on the racial or ethnic composition of a neighborhood.

Q5. Under the Fair Housing Act, 'familial status' protects:

A.Married couples only
B.Households with one or more children under 18, and pregnant women
C.Extended families living in multi-generational homes
D.Single parents only

Explanation

Familial status protects households with one or more children under the age of 18 (including pregnant women and those in the process of securing legal custody of a child). Landlords generally cannot refuse to rent to families with children.

Q6. Under the Fair Housing Act, a landlord must make 'reasonable accommodations' for a tenant with a disability. This means:

A.The landlord must structurally renovate the entire building at their own expense
B.The landlord must allow changes in rules, policies, or practices that are necessary for the disabled person to use and enjoy the housing
C.The tenant may make any modification to the unit without restriction
D.The landlord must provide a ground-floor unit regardless of availability

Explanation

A reasonable accommodation is a change in rules, policies, or practices that enables a person with a disability to use and enjoy the housing. For example, allowing a service animal in a no-pets building is a reasonable accommodation.

Q7. A complaint under the Federal Fair Housing Act must generally be filed with HUD within:

A.6 months of the alleged violation
B.1 year of the alleged violation
C.2 years of the alleged violation
D.3 years of the alleged violation

Explanation

Fair Housing Act complaints must be filed with HUD within 1 year (365 days) of the alleged discriminatory act. Private lawsuits must be filed within 2 years.

Q8. Arkansas's continuing education requirement mandates that Fair Housing be included in CE coursework. This is primarily because:

A.The federal government requires all states to include it
B.AREC recognizes that licensees regularly interact with protected classes and must understand anti-discrimination laws
C.Fair Housing laws change every year
D.Failure to include it disqualifies the CE provider

Explanation

AREC requires Fair Housing as part of the 7-hour CE requirement because real estate licensees interact with consumers from all backgrounds and must be knowledgeable about anti-discrimination obligations in all aspects of real estate practice.

Q9. The Fair Housing Act of 1968 originally prohibited discrimination based on which protected classes?

A.Race, color, sex, and familial status
B.Race, color, religion, and national origin
C.Race, color, sex, religion, national origin, disability, and familial status
D.Race, color, and national origin only

Explanation

The original Fair Housing Act (Title VIII of the Civil Rights Act of 1968) prohibited discrimination based on race, color, religion, and national origin. Sex was added in 1974; disability and familial status in 1988.

Q10. The 1988 Fair Housing Amendments Act added which two protected classes to federal fair housing law?

A.Sex and national origin
B.Disability and familial status
C.Age and sexual orientation
D.Marital status and source of income

Explanation

The Fair Housing Amendments Act of 1988 expanded federal protection to include disability (handicap) and familial status (families with children under 18, pregnant women, and those seeking custody of minors).

Q11. Steering in real estate refers to:

A.Guiding buyers toward properties with the highest commission
B.Directing buyers toward or away from neighborhoods based on race or other protected characteristics
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