Fair Housing
Which federal law prohibits discrimination in lending based on race, color, religion, national origin, sex, familial status, or disability?
ARESPA
BEqual Credit Opportunity Act (ECOA)
CFair Housing Act✓ Correct
DCommunity Reinvestment Act
Explanation
The Fair Housing Act prohibits discriminatory practices in the sale, rental, and financing of housing based on the seven protected classes: race, color, religion, national origin, sex, familial status, and disability.
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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.
Pre-ApprovalA lender's conditional commitment to loan a specific amount to a borrower, based on verified income, credit, and assets.
Transfer TaxA tax imposed by state or local governments when real property ownership is transferred, typically based on the sale price.
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