Fair Housing
In New York, which of the following acts supplements the Fair Housing Act by prohibiting discrimination in the extension of credit for housing?
AThe Real Estate Settlement Procedures Act (RESPA)
BThe Equal Credit Opportunity Act (ECOA) and the Home Mortgage Disclosure Act (HMDA)✓ Correct
CThe Truth in Lending Act (TILA) only
DThe Community Reinvestment Act (CRA) only
Explanation
ECOA prohibits discrimination in credit transactions based on protected characteristics, and HMDA requires lenders to collect and report data on mortgage applications, helping to identify discriminatory lending. Both supplement the Fair Housing Act's housing credit provisions.
Related New York Fair Housing Questions
- The New York State Human Rights Law (Executive Law Article 15) prohibits discrimination in housing based on which protected class NOT covered by the federal Fair Housing Act?
- Under New York City's Human Rights Law, refusing to rent to someone because they use a Section 8 housing voucher is:
- In New York, it is illegal for a landlord to retaliate against a tenant for:
- A New York real estate agent posts an advertisement for a property that says 'ideal for Christian families.' This advertisement likely violates:
- An owner of a single-family home who does not use a real estate broker and does not advertise in a discriminatory manner may:
- In New York, which of the following constitutes a prohibited discriminatory advertisement under the Fair Housing Act and NY Human Rights Law?
- New York State's Human Rights Law provides fair housing protections that are:
- Under the federal Fair Housing Act, which of the following is a permissible exception to the prohibition on discrimination?
Practice More New York Real Estate Questions
1,500+ questions covering all exam topics. Start free — no signup required.
Take the Free New York Quiz →