Fair Housing
In Hawaii, a property manager who applies different lease standards (stricter credit requirements, higher deposits) to Hispanic applicants is engaging in:
AA. Risk-based management practices
BB. Illegal disparate treatment based on national origin✓ Correct
CC. Permissible business judgment about risk
DD. Acceptable community standards
Explanation
Applying different and more burdensome standards to applicants based on national origin (Hispanic) is illegal disparate treatment discrimination under the Fair Housing Act.
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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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