Fair Housing
Under the Fair Housing Act, which of the following is a permitted exemption?
AA landlord refusing to rent to families with children in all circumstances
BA private club renting rooms only to members✓ Correct
CA real estate agent steering minority buyers away from certain neighborhoods
DA lender offering different rates based on race
Explanation
The Fair Housing Act includes a limited exemption for private clubs that provide housing to members as an incidental part of their operations, provided the housing is not offered commercially.
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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.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
State-Specific Concepts
DRE Regulation
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