Montana Fair Housing
Practice Questions & Answers (2026)
Fair housing is tested on every real estate exam in the country, but Montana candidates must know both federal and state-level protections. While Montana enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Montana Board of Realty Regulation also tests how these protections apply in Montana-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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Montana Fair Housing — Practice Questions & Answers
119 questions on Fair Housing from the Montana real estate question bank. First 10 are free — sign up to unlock all 119.
Q1. The federal Fair Housing Act of 1968 prohibits discrimination based on which protected classes?
Explanation
The federal Fair Housing Act prohibits discrimination based on seven protected classes: race, color, national origin, religion, sex, familial status, and disability (handicap).
Q2. Steering is a fair housing violation that involves:
Explanation
Steering is the illegal practice of directing prospective buyers or renters toward or away from certain neighborhoods based on their race, national origin, religion, or other protected characteristics.
Q3. Under the Fair Housing Act, which of the following is an example of a reasonable accommodation for a tenant with a disability?
Explanation
A reasonable accommodation is a change in rules, policies, or practices to allow a person with a disability equal opportunity to use and enjoy a dwelling, such as allowing an emotional support animal despite a no-pets policy.
Q4. A real estate agent tells a prospective buyer that a particular neighborhood 'is changing' and suggests they look elsewhere. This is most likely an example of:
Explanation
Blockbusting (panic peddling) is the illegal practice of inducing homeowners to sell by suggesting that the entry of members of a protected class will cause property values to decline.
Q5. Under the Fair Housing Act, 'familial status' protects:
Explanation
Familial status under the Fair Housing Act protects households that include one or more children under 18 living with a parent or guardian, as well as pregnant women.
Q6. Redlining is the illegal practice of:
Explanation
Redlining is the discriminatory practice of refusing to lend money, issue insurance, or provide services in neighborhoods based on the racial or ethnic composition of those areas.
Q7. A landlord may legally refuse to rent to a prospective tenant for which of the following reasons?
Explanation
A landlord may reject an applicant based on legitimate business criteria such as prior evictions, poor credit, or insufficient income — but NOT based on any federally protected class.
Q8. The Americans with Disabilities Act (ADA) primarily affects:
Explanation
The ADA primarily applies to places of public accommodation and commercial facilities, requiring accessibility standards. It applies differently than the Fair Housing Act, which covers most residential properties.
Q9. An owner of a single-family home who sells it without using a broker or discriminatory advertising:
Explanation
The Fair Housing Act contains a limited exemption for private individuals selling their own single-family home without a broker and without discriminatory advertising, but this exemption has strict conditions.
Q10. Which advertising practice would most likely constitute a Fair Housing violation?
Explanation
Using photos that exclusively depict people of one race in marketing materials may suggest a preference for buyers of that race, which constitutes a Fair Housing violation under the prohibition on discriminatory advertising.
Q11. Montana's Human Rights Act provides additional protected classes beyond the federal Fair Housing Act. Which class does Montana add?
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