Fair Housing
Under the Fair Housing Act, what is 'disparate impact'?
AIntentional discrimination against a protected class
BA neutral policy that, in practice, disproportionately harms members of a protected class✓ Correct
CPhysical harm caused by discriminatory housing conditions
DAdvertising that excludes protected classes
Explanation
Disparate impact refers to a neutral policy or practice that disproportionately affects members of a protected class, even without discriminatory intent, which can violate the Fair Housing 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.
Adjustable-Rate Mortgage (ARM)A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
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.
EscrowA neutral third-party arrangement where funds, documents, and instructions are held until all conditions of a real estate transaction are satisfied.
Math Concepts
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