Fair Housing
The concept of 'testers' in fair housing enforcement involves:
AProperty inspectors who test for environmental hazards
BIndividuals posing as housing seekers to detect discriminatory practices✓ Correct
CSDREC undercover agents checking for unlicensed activity
DHUD employees who evaluate lender loan portfolios
Explanation
Fair housing organizations and HUD use paired testers (one minority, one non-minority) to test whether housing providers are treating people differently based on protected characteristics.
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Related South Dakota Questions
- In South Dakota, the fair housing concept of 'testers' used by fair housing organizations involves:Fair Housing
- The federal Fair Housing Act prohibits discrimination based on which protected classes?Fair Housing
- Steering is a Fair Housing violation that involves:Fair Housing
- The federal Fair Housing Act prohibits discrimination based on all of the following EXCEPT:Fair Housing
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.
Debt-to-Income Ratio (DTI)A lender's measure of a borrower's monthly debt obligations relative to their gross monthly income, used to evaluate loan eligibility.
Discount PointsPrepaid interest paid to a lender at closing to reduce the mortgage interest rate, with each point equal to 1% of the loan amount.
State-Specific Concepts
DRE Regulation
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