Fair Housing
A Rhode Island property management company that has a policy of requiring higher credit scores from applicants of a specific national origin is engaging in:
AA legitimate risk management practice
BDisparate treatment based on national origin in violation of fair housing laws✓ Correct
CA permissible screening practice under ECOA
DLawful business discretion
Explanation
Applying different qualifying standards to applicants based on national origin is disparate treatment discrimination in violation of both the federal Fair Housing Act and Rhode Island's Fair Housing Practices Act.
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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.
Pre-ApprovalA lender's conditional commitment to loan a specific amount to a borrower, based on verified income, credit, and assets.
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