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Fair Housing on the North Carolina Real Estate Exam

Federal fair housing law plus NC additions for the provisional broker exam — protected classes, steering, enforcement, and accessibility requirements.

May 7, 2026 · 5 min read
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Fair housing questions appear in both the national and state sections of the NC exam. North Carolina adds one protected class beyond the federal seven.

Federal Fair Housing Act: 7 Protected Classes

  1. Race
  2. Color
  3. Religion
  4. National Origin
  5. Sex
  6. Disability/Handicap
  7. Familial Status

North Carolina Fair Housing Act Addition

North Carolina's Fair Housing Act (NCGS Chapter 41A) adds: - Marital status — cannot discriminate based on whether someone is single, married, divorced, widowed, or separated

This is the most tested NC-specific fair housing fact: NC has 8 protected classes (7 federal + marital status).

Prohibited Practices

Steering: Directing buyers or renters toward or away from neighborhoods based on protected class. North Carolina exams emphasize that steering is a violation even when the agent believes they're helping.

Blockbusting: Inducing sales by suggesting protected class members are moving in and values will decline.

Redlining: Refusing loans or insurance in geographic areas based on racial composition.

Discriminatory advertising: Any ad that indicates preference based on a protected class.

Accessibility Requirements (Disability)

Under the Fair Housing Amendments Act of 1988, new multi-family residential buildings (4+ units) built after March 1991 must have: - Accessible entrance (at least one accessible building entrance) - Accessible common areas - Doors wide enough for wheelchairs - Accessible features in units (accessible routes, usable kitchens/baths) - Reinforced bathroom walls for grab bar installation

These requirements are tested in NC's national section.

Reasonable Accommodations and Modifications

Reasonable accommodation: A change in rules, policies, practices, or services that enables a person with a disability to use and enjoy housing. - Example: Allowing a service animal in a no-pets building

Reasonable modification: A physical change to the premises that enables a person with a disability to use and enjoy housing. - The tenant pays for modifications - The landlord can require restoration at end of tenancy

Enforcement in NC

  • NC Human Relations Commission: Handles state-level complaints
  • HUD: Federal enforcement
  • Complaints with HUD or the NC commission: within 1 year
  • Private lawsuits: within 2 years

NCREC can also discipline licensees for fair housing violations independently of HUD enforcement.

[Practice fair housing questions at CARealestate.com/states/north-carolina](https://carealestate.com/states/north-carolina)

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