Tennessee Practice Test → Fair Housing

Tennessee Fair Housing
Practice Questions & Answers (2026)

Fair housing is tested on every real estate exam in the country, but Tennessee candidates must know both federal and state-level protections. While Tennessee enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Tennessee Real Estate Commission (TREC) also tests how these protections apply in Tennessee-specific rental, sales, and advertising scenarios. Steering, blockbusting, redlining, and discriminatory advertising are all tested — and candidates who think they know fair housing cold often miss the state-specific extensions or the nuanced application scenarios. Review every question here carefully.

Full Practice Exam →Take Interactive Quiz

Tennessee Exam Study Resources

Everything you need to pass — in one place.

Practice TestMock ExamFlashcardsStudy ScheduleTennessee BlogFull Access

Practice by Topic

Tennessee License Law →Agency →Contracts →Finance →Property Ownership →Property Valuation →+6 more topics
Practice Questions

Tennessee Fair Housing — Practice Questions & Answers

117 questions on Fair Housing from the Tennessee real estate question bank. First 10 are free — sign up to unlock all 117.

Q1. Redlining is a discriminatory practice in which lenders:

A.Charge higher interest rates to borrowers with poor credit
B.Refuse to make loans or offer inferior terms in minority neighborhoods
C.Require additional inspections in older neighborhoods
D.Limit loan amounts in certain geographic areas based on property values

Explanation

Redlining is the illegal practice of refusing to make loans, provide insurance, or offer other financial services in certain geographic areas based on the racial or ethnic composition of those neighborhoods.

Q2. A landlord refuses to allow a tenant with a disability to install grab bars in the bathroom. Under the Fair Housing Act, this is:

A.Permissible because modifications alter the property
B.A violation because the landlord must allow reasonable modifications at the tenant's expense
C.Only a violation if the building has more than 4 units
D.Permissible if the landlord offers to make the modification themselves

Explanation

The Fair Housing Act requires landlords to allow persons with disabilities to make reasonable modifications to accommodate their disability, at the tenant's own expense. Refusing such a request is a Fair Housing violation.

Q3. Under the Americans with Disabilities Act (ADA), newly constructed commercial facilities must:

A.Provide accessible design only if requested by an occupant
B.Be designed and constructed to be readily accessible to people with disabilities
C.Follow accessibility standards only for federally funded buildings
D.Install elevators in any multi-story building

Explanation

The ADA requires newly constructed commercial facilities to be designed and built to be readily accessible to and usable by people with disabilities. The ADA applies to places of public accommodation and commercial facilities.

Q4. Which statement is TRUE regarding the advertising of real property under Fair Housing laws?

A.Advertising 'ideal for young professionals' in a listing is permissible
B.Human models in advertisements should represent all segments of the population
C.Ads may specify a preference for a particular national origin in ethnic publications
D.Fair Housing regulations do not apply to internet property listings

Explanation

HUD guidelines on fair housing advertising state that when human models are used in advertising, they should reflect diversity and not indicate a preference or limitation based on protected class. Advertising must not indicate any discriminatory preference.

Q5. The Tennessee Human Rights Act prohibits housing discrimination based on all of the following EXCEPT:

A.Race and color
B.Religion
C.Occupation
D.National origin

Explanation

The Tennessee Human Rights Act prohibits housing discrimination based on race, color, creed, religion, national origin, sex, disability, and familial status. Occupation is not a protected class under Tennessee or federal fair housing law.

Q6. Steering is the illegal practice of:

A.Setting loan terms based on neighborhood demographics
B.Directing buyers toward or away from neighborhoods based on protected class characteristics
C.Refusing to list properties in certain areas
D.Charging higher commission rates in minority neighborhoods

Explanation

Steering occurs when a licensee guides buyers toward or away from certain neighborhoods based on the racial, ethnic, or other protected class composition of those areas. It is a violation of the Fair Housing Act.

Q7. The Fair Housing Act exempts which of the following from its provisions?

A.A 150-unit apartment complex owned by a corporation
B.A real estate broker listing a single-family home
C.An owner selling their own single-family home without using a broker or discriminatory advertising
D.A landlord renting a duplex who lives in the other unit if they own more than 3 such properties

Explanation

The 'Mrs. Murphy' exemption applies to owner-occupied buildings with 4 or fewer units and individual owners of single-family homes who sell without a broker and without discriminatory advertising. Corporate-owned properties and brokers do not qualify.

Q8. Blockbusting is the illegal practice of:

A.Refusing to show homes in certain neighborhoods
B.Inducing homeowners to sell by suggesting that members of a protected class are moving into the area
C.Requiring tenants to pay a higher security deposit based on national origin
D.Advertising a property as suitable only for certain buyers

Explanation

Blockbusting (panic peddling) is the illegal practice of inducing property owners to sell or rent by making representations that members of a protected class are moving into the neighborhood, implying property values will decline.

Q9. An owner of a four-plex who occupies one unit may legally:

A.Discriminate based on any factor since it is owner-occupied
B.Select tenants based on religion alone
C.Discriminate only on the basis of sex
D.Rent to whomever they choose, but may not use discriminatory advertising

Explanation

Under the Fair Housing Act's Mrs. Murphy exemption, an owner-occupant of a building with up to 4 units may select tenants with some personal discretion, but may not use discriminatory advertising. The exemption does not permit advertising based on race, color, national origin, sex, disability, or familial status.

Q10. The Civil Rights Act of 1866 prohibits discrimination based on:

A.All protected classes under the Fair Housing Act
B.Race only — in the sale and rental of all property
C.Race, sex, and national origin
D.Race, color, religion, and national origin

Explanation

The Civil Rights Act of 1866 prohibits racial discrimination in the sale or rental of all property with no exceptions. Unlike the Fair Housing Act of 1968, it has no exemptions and applies to all real property transactions.

Q11. A property manager who charges a higher security deposit to a tenant because of their national origin is violating:

A.The Americans with Disabilities Act only
B.The Federal Fair Housing Act
🔒

107 more Fair Housing questions

Create a free account to unlock all 117 Tennessee Fair Housing questions with full explanations.

Sign Up Free — Unlock All QuestionsLog In

Free account · No credit card · Instant access to 25 questions

Other Tennessee Exam Topics

Tennessee License LawAgencyContractsFinanceProperty OwnershipProperty ValuationEscrow & TitleReal Estate MathEnvironmentalLand Use & ZoningProperty Management
← Back to Tennessee Full Practice Test

Ready to take the full exam? Start free.

25 free questions · No signup · Instant access to all Tennessee topics

Free Tennessee Practice Exam →Full Access — 1,500+ Questions