Fair Housing
A lender who 'reverse redlines' a community is engaging in:
AA. Making loans available in previously underserved areas
BB. Targeting minority communities with predatory or unfavorable loan products✓ Correct
CC. Refusing to make any loans in a specific area
DD. Providing special discounts to first-time minority buyers
Explanation
Reverse redlining (also called predatory lending) targets protected class communities with unfavorable loan terms, high fees, or unsuitable products. It is a form of illegal lending discrimination even though loans are being made.
Related Georgia Fair Housing Questions
- Which amendment extended Fair Housing Act protections to persons with disabilities?
- Which federal agency is primarily responsible for enforcing the Fair Housing Act?
- Under the Fair Housing Act, a disabled tenant has the right to make reasonable modifications to a rental unit. Who typically pays for these modifications?
- Under the Fair Housing Act, a landlord who refuses to allow a tenant with a disability to make reasonable modifications to their unit:
- Which federal executive order, signed in 1962, first prohibited discrimination in federally assisted housing?
- A real estate advertisement that states 'Perfect for young professionals — no families' most likely violates which protected class?
- The National Fair Housing Alliance (NFHA) is an organization that:
- A lender who offers less favorable loan terms to an applicant because of race is guilty of:
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