Oklahoma Fair Housing
Practice Questions & Answers (2026)
Fair housing is tested on every real estate exam in the country, but Oklahoma candidates must know both federal and state-level protections. While Oklahoma enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Oklahoma Real Estate Commission (OREC) also tests how these protections apply in Oklahoma-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.
Oklahoma Exam Study Resources
Everything you need to pass — in one place.
Oklahoma Fair Housing — Practice Questions & Answers
107 questions on Fair Housing from the Oklahoma real estate question bank. First 10 are free — sign up to unlock all 107.
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 race, color, national origin, religion, sex, familial status, and handicap (disability) — seven protected classes. States and municipalities may add additional protected classes.
Q2. An agent tells a family with young children that a particular neighborhood 'isn't really set up for families with kids.' This is an example of:
Explanation
Steering is the illegal practice of directing buyers or renters toward or away from certain neighborhoods based on protected class characteristics. Discouraging a family with children from a particular neighborhood based on familial status is illegal steering.
Q3. Under the Fair Housing Act, which of the following is a permissible exemption?
Explanation
The Fair Housing Act provides a limited exemption for a private individual who owns no more than 3 single-family homes and sells without a real estate agent, without discriminatory advertising, and without engaging in more than one such sale per 24 months. This is known as the 'Mrs. Murphy' or private seller exemption.
Q4. A landlord refuses to allow a tenant with a physical disability to install grab bars in the bathroom. Under the Fair Housing Act, this is:
Explanation
Under the Fair Housing Act, landlords must allow tenants with disabilities to make reasonable modifications to the dwelling at the tenant's expense (in most cases). Refusing to allow a grab bar installation is a violation of the tenant's fair housing rights.
Q5. A lender refusing to make loans in a particular neighborhood based on racial composition is known as:
Explanation
Redlining is the illegal practice of refusing to make mortgage loans or insurance available in certain neighborhoods, historically based on racial or ethnic composition. It violates the Fair Housing Act, Equal Credit Opportunity Act, and Community Reinvestment Act.
Q6. Blockbusting (panic peddling) involves:
Explanation
Blockbusting is the illegal practice of inducing panic selling by telling homeowners that persons of a protected class are moving into the neighborhood, causing property values to decline. It is a violation of the Fair Housing Act.
Q7. Under the Fair Housing Act, a reasonable accommodation for a person with a disability might include:
Explanation
Reasonable accommodations include changes in rules, policies, or services to allow a person with a disability equal opportunity to use and enjoy housing. All three examples — allowing service animals despite pet policies, permitting modifications, and providing accessible parking — may be required.
Q8. The Americans with Disabilities Act (ADA) applies primarily to:
Explanation
The ADA applies to commercial facilities, places of public accommodation, and state/local government facilities. Residential housing is primarily covered by the Fair Housing Act, not the ADA (though some overlap exists for common areas in multifamily housing).
Q9. An Oklahoma property manager refuses to rent to a prospective tenant because she has three children under age 10, citing 'overcrowding concerns.' This is most likely:
Explanation
Familial status is a protected class under the federal Fair Housing Act. Refusing to rent to a family with children based on the number or ages of children is illegal, even if disguised as an 'overcrowding' policy.
Q10. Which federal agency is primarily responsible for enforcing the Fair Housing Act?
Explanation
The U.S. Department of Housing and Urban Development (HUD) is the primary federal agency responsible for enforcing the Fair Housing Act. Complaints can also be filed in federal court, and the DOJ may pursue pattern-or-practice violations.
Q11. Which of the following advertising practices would violate the Fair Housing Act?
97 more Fair Housing questions
Create a free account to unlock all 107 Oklahoma Fair Housing questions with full explanations.
Free account · No credit card · Instant access to 25 questions
Ready to take the full exam? Start free.
25 free questions · No signup · Instant access to all Oklahoma topics