Fair HousingIntermediateDelaware Exam
Redlining in real estate refers to:
AMarking price reductions on expired listings
BRefusing to make loans or provide insurance in certain geographic areas based on racial compositionCorrect
CSetting boundaries for zoning districts
DHighlighting defects on a property inspection report
Why Refusing to make loans or provide insurance in certain geographic areas based on racial composition Is Correct
Answer B: Refusing to make loans or provide insurance in certain geographic areas based on racial composition
Redlining is the illegal practice of refusing to provide mortgage loans, insurance, or other services in neighborhoods based on their racial or ethnic composition, regardless of individual creditworthiness.
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
Zoning
Local government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
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.
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