Fair HousingIntermediateDelaware Exam

What is a 'pattern or practice' fair housing lawsuit in Delaware?

AA lawsuit based on a single incident of discrimination

BA civil rights action brought by the DOJ alleging that a housing provider has engaged in a systematic pattern of discriminatory conductCorrect

CA state lawsuit addressing a specific discriminatory practice in a single transaction

DA class action lawsuit by tenants against an HOA

Why A civil rights action brought by the DOJ alleging that a housing provider has engaged in a systematic pattern of discriminatory conduct Is Correct

Answer B: A civil rights action brought by the DOJ alleging that a housing provider has engaged in a systematic pattern of discriminatory conduct

A 'pattern or practice' lawsuit is brought by the Department of Justice when there is evidence of systematic, widespread housing discrimination. These cases address organizations or individuals who engage in ongoing discriminatory conduct affecting many people.

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.

People Also Study

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.

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.

Redlining

An 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.

Pre-Approval

A lender's conditional commitment to loan a specific amount to a borrower, based on verified income, credit, and assets.