Fair Housing
A mortgage lender in Alaska charges a higher interest rate to an applicant because of the neighborhood where the property is located, which has a predominantly minority population. This practice is known as:
ASteering
BRedlining
CReverse redlining (predatory lending)✓ Correct
DBlockbusting
Explanation
Reverse redlining (or predatory lending) targets minority or low-income neighborhoods with high-cost or abusive loan products rather than refusing to lend. It is illegal under the Fair Housing Act and ECOA.
Related Alaska Fair Housing Questions
- Under the Fair Housing Act, a reasonable accommodation for a person with a disability includes:
- Under the Fair Housing Act, a landlord may legally refuse to rent to a prospective tenant who:
- A real estate agent who tells a buyer 'you wouldn't want to live in that neighborhood' without explanation may be engaged in:
- A fair housing complaint must be filed with HUD within how many days of the alleged discriminatory act?
- Which of the following advertisements would violate the Fair Housing Act?
- A fair housing tester in Alaska poses as a homebuyer to test an agent's compliance. The agent treats the tester differently than white testers. This evidence is:
- The National Do Not Call Registry applies to real estate agents in that:
- Under the Fair Housing Act, which of the following is a valid exemption?
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