We think you have liked this presentation. If you wish to download it, please recommend it to your friends in any social system. Share buttons are a little bit lower. Thank you!
Presentation is loading. Please wait.
Published byGavin Hunt
Modified over 5 years ago
©OnCourse Learning. All Rights Reserved.
Fair Housing, ADA, Equal Credit, and Community Reinvestment ©OnCourse Learning. All Rights Reserved. Chapter 12
©OnCourse Learning. All Rights Reserved. In This Chapter You will study federal and state legislation that has had a strong impact on expanding the ability of individuals to own real estate.
Constitutional Impact The Declaration of Independence declared that all [people] are created equal and set the stage for an attitude of the government that we enjoy in the United States. The United States Constitution instilled in all citizens certain inalienable rights of which they can never be deprived. The most significant of these rights are stated in the Fifth, Fourteenth, and Thirteenth Amendments to the Constitution. ©OnCourse Learning. All Rights Reserved.
Race Color Religion Sex National Origin Handicap Familial Status Fair Housing
Protected Classes Race Color Religion National origin Sex Fair Housing 1. Family status 2. Handicap Equal Credit Opportunity Act 1. Public assistance 2. Age 3. Marital status ©OnCourse Learning. All Rights Reserved.
Refusing to sell or rent to, deal, or negotiate with any person. Discriminating in the terms or conditions for buying or renting housing. Discriminating by advertising that housing is available only to persons of a certain race, color, religion, sex or national origin, those who are not handicapped, or adults only. Illegal Acts ©OnCourse Learning. All Rights Reserved.
Denying or making different terms or conditions for home loans by commercial lenders. Denying to anyone the use or participation in any real estate services, such as brokers’ organizations, multiple listing services, or other facilities related to the selling or renting of housing. Steering or block-busting. Illegal Acts ©OnCourse Learning. All Rights Reserved.
Steering The illegal practice of directing home seekers to particular neighborhoods. ©OnCourse Learning. All Rights Reserved.
Block Busting The illegal practice of inducing panic selling in a neighborhood for financial gain. ©OnCourse Learning. All Rights Reserved.
Agent’s Duties A real estate agent’s duties are to uphold the Fair Housing Law and the 1866. Civil Rights Act ©OnCourse Learning. All Rights Reserved.
Testers Individuals or organizations that respond to advertising and visit real estate offices to test for compliance with fair housing laws. The tester does not announce himself or herself as such or ask if the office follows fair housing practices. ©OnCourse Learning. All Rights Reserved.
Texas Fair Housing Act Passed in 1989. Parallels the Federal Fair Housing. Allows for the investigation discriminatory housing practices. Provides for criminal penalties. ©OnCourse Learning. All Rights Reserved.
Americans with Disabilities Act ADA enacted July1992. Deals primarily with commercial property. Provides access requirements and prohibits discrimination against people with disabilities. ©OnCourse Learning. All Rights Reserved.
Equal Credit Opportunity Act Provides for credit to all without regard to: Sex Marital status Race Color Religion National origin Age Receipt of public assistance income ©OnCourse Learning. All Rights Reserved.
CRA Lender must define its community List types of credit offered to the community. Provide notice in lobby. Helps to keep community money available in the community! CRA Statement ©OnCourse Learning. All Rights Reserved.
Key Terms ADA Block Busting CRA Familial status Handicapped Protected class Steering Tester Texas Fair Housing Act ©OnCourse Learning. All Rights Reserved.
ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE (AI) City of Missoula.
Unit 6: Individual Rights and Liberties
Fair Housing It’s Your Right. What is Fair Housing? Fair housing is your right under the law to choose freely and compete equally for housing, without.
Florida Real Estate Principles, Practices & Law 38th Edition
Fair Housing Division UTAH LABOR COMMISSION Dr. David Parker Fair Housing Outreach Specialist Let’s Talk About Fair Housing.
Fair Housing and Ethical Practices. Civil Rights Act of 1866 – first effort to guarantee equal housing for all. Prohibits discrimination on basis of race.
Steed Robinson – Office of Community Development September 4, 2014 Fair Housing/Equal Opportunity.
Real Estate Brokerage Chapter 10. Real Estate Brokerage The Real Estate Sales Process –Listing agreements (broker/owner relations) –Marketing the property.
N AVIGATING THE A MERICANS WITH D ISABILITIES A CT AND F AIR H OUSING A CT IN Y OUR C OMMUNITY A SSOCIATION N OT IN OUR P OOL : T HE L AW O FFICE OF S.
◦ Mortgage lending discrimination is defined by federal and state statues. Title VIII, 42 U.S.C. § 3605; Equal Credit Opportunity Act (ECOA), 15 U.S.C.
Fair Lending 2001 Why are you here? Everyone has contact with customers You may be the first to be approached regarding a loan Know who to refer the.
© OnCourse Learning. All Rights Reserved. Fair Housing Learning Objectives Describe the provisions of the Federal Fair Housing Act of 1968 as amended.
FAIR HOUSING RISK REDUCTION STRATEGIES Certified for 3 Hours Legal Continuing Education Credit.
Department of Justice Fair Lending Cases: United States v. Bank of America United States v. Countrywide Financial Corporation United States v. GFI Mortgage.
THE CONSUMER FINANCIAL PROTECTION BUREAU: FAIR LENDING AT WORK
Fair Lending Compliance Training
Real Estate Principles and Practices Chapter 19 Fair Housing Laws © 2014 OnCourse Learning.
Real Estate Brokerage and Listing Contracts
© OnCourse Learning Chapter 22 : Fair Housing, ADA, Equal Credit, and Community Reinvestment.
Fair Housing Act of 1968 Jose Vasquez Jesus Melendez HCOM 266 Professor Larkin.
© 2020 SlidePlayer.com Inc. All rights reserved.