Fair Housing
A Florida licensee uses only Spanish-language advertising in a predominantly Hispanic neighborhood. This could violate the Fair Housing Act if:
AThe purpose is to exclude non-Spanish-speaking potential buyers✓ Correct
BThe advertising is targeted at Spanish-speaking buyers
CThe advertising cost exceeds the marketing budget
DThe licensee does not speak Spanish
Explanation
Using advertising selectively in certain languages to attract or exclude specific ethnic groups constitutes discriminatory advertising under the Fair Housing Act. Marketing must not be designed to include or exclude buyers based on protected characteristics.
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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.
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.
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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