Fair Housing
A real estate licensee who uses different qualifying standards for buyers based on national origin is engaged in:
ASteering
BRedlining
CBlockbusting
DDiscriminatory conduct violating the Fair Housing Act✓ Correct
Explanation
Using different qualifying standards (such as requiring higher credit scores or larger down payments) for buyers of different national origins violates the Fair Housing Act and ECOA.
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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.
BlockbustingAn illegal practice of inducing homeowners to sell by claiming that the entry of minority groups will lower property values.
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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