Fair Housing
Which of the following describes 'disparate treatment' in fair housing?
AA policy that is neutral on its face but has a discriminatory effect
BIntentionally treating a person differently because of their membership in a protected class✓ Correct
CUnintentionally creating a discriminatory environment
DOffering different loan products based on income
Explanation
Disparate treatment is intentional discrimination — treating someone differently because of their protected class characteristics, such as race, sex, religion, etc.
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Key Terms to Know
Fair Housing Act
Federal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
SteeringAn illegal practice where a real estate agent directs buyers toward or away from certain neighborhoods based on the buyer's race, religion, national origin, or other protected characteristics.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
Pre-ApprovalA lender's conditional commitment to loan a specific amount to a borrower, based on verified income, credit, and assets.
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