Fair Housing
Which federal law prohibits discrimination in residential mortgage lending based on race, color, religion, national origin, sex, familial status, or disability?
AThe Community Reinvestment Act
BThe Equal Credit Opportunity Act
CThe Fair Housing Act✓ Correct
DThe Home Mortgage Disclosure Act
Explanation
The Fair Housing Act prohibits discrimination in all aspects of residential real estate transactions, including mortgage lending, based on the seven protected classes: race, color, religion, national origin, sex, familial status, and disability.
Related Texas Fair Housing Questions
- The Community Reinvestment Act (CRA) and HMDA together address lending disparities in Texas by:
- An HOA in Texas adopts a rule requiring all residents to speak English at all community meetings. This rule may be challenged as discriminatory based on:
- HUD's 'disparate impact' rule in fair housing means that a neutral policy can be illegal if:
- Under the Fair Housing Act, advertising 'perfect for young professionals' in a property listing may be problematic because it could constitute:
- A real estate broker who maintains a racially segregated housing pattern by only showing African American buyers homes in predominantly African American neighborhoods is engaged in:
- A Texas buyer's agent shows a Jewish buyer only properties in neighborhoods without synagogues because the agent assumes the buyer wouldn't want to drive far to religious services. This is:
- A Texas licensee who changes the terms of their services based on a client's national origin is violating:
- A Texas apartment complex manager allows large dogs for one tenant but refuses the same accommodation for another tenant of a different race. This is an example of:
Practice More Texas Real Estate Questions
1,500+ questions covering all exam topics. Start free — no signup required.
Take the Free Texas Quiz →