Fair Housing
An Arizona real estate agent who sends automated listing notifications only to certain zip codes that exclude historically minority neighborhoods may be engaging in:
AEfficient geographic marketing
BAlgorithmic steering—a form of fair housing violation through technology-based disparate impact✓ Correct
CLegal narrowcasting of marketing
DPermissible use of marketing data
Explanation
Algorithmic or technology-based steering occurs when real estate tools, algorithms, or automated systems disproportionately limit housing options shown to consumers based on protected class geography. HUD and CFPB have increased scrutiny of such practices.
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Key Terms to Know
Steering
An 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.
Fair Housing ActFederal law prohibiting discrimination in the sale, rental, or financing of housing based on race, color, national origin, religion, sex, disability, and familial status.
RedliningAn illegal practice where lenders or insurers deny services or charge higher rates in certain neighborhoods based on the racial or ethnic composition of those areas.
BlockbustingAn illegal practice of inducing homeowners to sell by claiming that the entry of minority groups will lower property values.
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