Fair Housing
A landlord who imposes more stringent credit requirements on applicants of a specific national origin compared to others is violating:
AOnly the Equal Credit Opportunity Act
BThe Fair Housing Act's prohibition on discriminatory terms and conditions✓ Correct
CThe Americans with Disabilities Act
DRESPA
Explanation
Applying more stringent terms, conditions, or qualifications to applicants based on a protected class (such as national origin) is a violation of the Fair Housing Act, even if the landlord does not outright refuse to rent.
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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.
Purchase AgreementA legally binding contract between a buyer and seller that outlines the terms and conditions of a real estate sale.
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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