Fair Housing
In Tennessee, a lender's practice of requiring higher down payments in predominantly minority neighborhoods regardless of individual borrower creditworthiness is known as:
ARisk-adjusted lending
BRedlining — a form of geographic discrimination✓ Correct
CStandard underwriting practice
DConservative risk management
Explanation
Requiring higher down payments in minority neighborhoods based on geography rather than individual creditworthiness is a form of redlining — illegal geographic discrimination under the Fair Housing Act and Equal Credit Opportunity Act.
Related Tennessee Fair Housing Questions
- The duty to 'affirmatively further fair housing' (AFFH) applies to:
- In Tennessee, a landlord who charges a Black applicant a higher application fee than a white applicant for the same unit is committing:
- In Tennessee, 'source of income' discrimination would mean refusing to rent to someone because they:
- Under the Fair Housing Act, 'disability' includes all of the following EXCEPT:
- A Tennessee landlord with 10 units refuses to make a reasonable accommodation for a wheelchair user. This may violate:
- In Tennessee, a real estate agent who advises a seller to only consider offers from buyers of a specific national origin is:
- A real estate company's website that shows only photos of white families in its marketing materials, despite serving a racially diverse market, may be violating:
- In Tennessee, which of the following statements about service animals under the Fair Housing Act is TRUE?
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