Fair Housing
Under the Fair Housing Act, a Montana lender who charges higher interest rates to minority borrowers with equivalent creditworthiness compared to white borrowers would be engaged in:
ARedlining
BSteering
CDisparate treatment discrimination in lending✓ Correct
DBlockbusting
Explanation
Charging minority borrowers higher rates for the same creditworthiness constitutes disparate treatment discrimination in mortgage lending, which violates both the Fair Housing Act and the Equal Credit Opportunity Act (ECOA). This is a form of predatory lending with serious legal consequences.
Related Montana Fair Housing Questions
- The maximum civil penalty for a first-time fair housing violation imposed by an Administrative Law Judge is approximately:
- A Montana real estate agent who is asked by a buyer 'what's the ethnic makeup of this neighborhood?' should respond by:
- A Montana property manager who charges higher rent to Asian tenants than to white tenants for identical units is guilty of discrimination based on:
- Under the Fair Housing Act, blockbusting refers to the illegal practice of:
- A Montana real estate agent who refuses to show a client homes in a neighborhood because of the agent's personal views about that neighborhood's demographics is committing:
- A Montana real estate licensee who receives an instruction from a seller to 'only find me a Christian buyer' must:
- The 1968 Supreme Court case Jones v. Alfred H. Mayer Co. interpreted which law to prohibit all racial discrimination in housing without exception?
- The Montana Human Rights Act covers which type of housing discrimination that the federal Fair Housing Act may not cover?
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