Fair Housing
Disparate impact in fair housing means:
AA policy that intentionally discriminates against a protected class
BA neutral policy that disproportionately harms a protected class✓ Correct
CUsing different rental criteria for different tenants
DAdvertising only in certain neighborhoods
Explanation
Disparate impact (unintentional discrimination) occurs when a facially neutral policy disproportionately affects a protected class, even without discriminatory intent.
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Key Terms to Know
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
Fair Housing ActFederal 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.
Math Concepts
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