Fair Housing
The concept of 'disparate impact' in fair housing means that:
AA policy must intentionally discriminate to violate fair housing law
BA facially neutral policy or practice that disproportionately affects a protected class can violate fair housing law even without discriminatory intent✓ Correct
COnly government agencies can be held liable for disparate impact
DDisparate impact applies only to racial discrimination
Explanation
Disparate impact theory (recognized under the Fair Housing Act since the Supreme Court's 2015 Inclusive Communities decision) holds that a neutral policy can violate fair housing law if it has a disproportionate adverse effect on a protected class and lacks a sufficient justification. Credit scoring systems and occupancy standards have been challenged under disparate impact.
Related Pennsylvania Fair Housing Questions
- Which federal law requires lenders and mortgage companies to report loan application data by race, ethnicity, income, and geography?
- Under the Fair Housing Act's familial status protections, which of the following is prohibited?
- What is 'sexual harassment' in housing and how does it violate Pennsylvania fair housing law?
- A Pennsylvania property management company sends marketing materials only to certain ZIP codes and excludes ZIP codes with predominantly minority populations. This practice may constitute:
- Under the Fair Housing Act, the term 'dwelling' includes which of the following?
- A real estate licensee who teases that an area 'isn't what it used to be' to encourage a homeowner to sell quickly is engaging in:
- A Pennsylvania real estate brokerage refuses to hire agents from a specific religious group. This potentially violates:
- What is the 'Equal Credit Opportunity Act' (ECOA) and how does it relate to real estate transactions in Pennsylvania?
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