A Colorado broker who receives fair housing training learns about 'disparate impact.' This means:
Why A facially neutral policy that has a disproportionately adverse effect on a protected class Is Correct
Answer B: A facially neutral policy that has a disproportionately adverse effect on a protected class
Exam Tip: Fair Housing
Fair Housing questions test both federal (Fair Housing Act of 1968) and state-level protected classes. The federal protected classes are race, color, religion, national origin, sex, familial status, and disability. Many states add additional protections.
Key Fair Housing Terms in This Question
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- Colorado's Fair Housing Act adds which protected class NOT found in the federal Fair Housing Act?Fair Housing
- Under the Fair Housing Act's 'disparate impact' theory, a housing policy is discriminatory if:Fair Housing
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- Colorado's fair housing laws protect a person with HIV/AIDS under which protected class?Fair Housing
- Which federal law prohibits discriminatory lending practices based on protected class characteristics?Finance
- A Colorado property manager discovers a potential fair housing violation by a property owner's instructions. The manager should:Property Management
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Key Terms to Know
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.
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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