Fair Housing
In Montana, an online housing advertisement using algorithms to show listings primarily to people of a specific race based on browsing history would be:
AA permissible targeted marketing practice
BPotentially illegal because disparate impact on protected classes applies to advertising, regardless of intent✓ Correct
COnly subject to regulation if the advertiser knows the outcome
DExempt under technology neutrality provisions
Explanation
HUD has taken the position that algorithmic advertising targeting that produces disparate impact on protected classes violates the Fair Housing Act regardless of intent. Using social media or data-driven algorithms to show housing ads to people of certain races or national origins while excluding others is a digital form of unlawful discrimination.
People Also Study
Related Montana Questions
- The federal Fair Housing Act of 1968 prohibits discrimination based on which protected classes?Fair Housing
- Montana's Human Rights Act provides additional protected classes beyond the federal Fair Housing Act. Which class does Montana add?Fair Housing
- The Montana Human Rights Act prohibits discrimination in housing based on which protected class NOT covered by the federal Fair Housing Act?Fair Housing
- The Montana Fair Housing Act's additional protections beyond federal law reflect the state's commitment to broader civil rights. Montana's protected classes in housing include all federal classes PLUS:Fair Housing
- A Montana property manager receives a fair housing complaint from a tenant alleging discrimination. The manager should first:Property Management
- Which federal law prohibits lenders from discriminating in lending based on race, color, national origin, sex, religion, familial status, or disability?Finance
- In the Billings, Montana real estate market, an appraiser using the sales comparison approach would primarily:Property Valuation
- In Montana, a real estate broker who 'farms' a specific geographic area for new listings should understand that cold-calling 'do not call' registered numbers to solicit listings may violate:Agency
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.
BlockbustingAn illegal practice of inducing homeowners to sell by claiming that the entry of minority groups will lower property values.
Study This Topic
Practice More Montana Real Estate Questions
1,500+ questions covering all exam topics. Start free — no signup required.
Take the Free Montana Quiz →