Shared Flashcard Set

Details

WA RE Fundamentals
Civil Rights and Fair Housing
17
Real Estate & Planning
Not Applicable
06/09/2010

Additional Real Estate & Planning Flashcards

 


 

Cards

Term
Civil Rights act of (2):
Definition

1866

 

&

 

1964

Term
Compensatory Damages
Definition
Compensation for losses and suffering
Term
Punitive Damages
Definition
Sum to punish the defendant for wrongdoing
Term
Federal Fair Housing Act is AKA:
Definition
Title VIII of the Civil Rights Act of 1968
Term
7 protected classes under Federal Fair Housing Act:
Definition

1. Race

2. Color

3. Religion

4. Sex

5. National Origin

6. Handicap

7. Familial Status

Term
Mrs. Murphy exemption
Definition

Regarding Federal Fair Housing Act, law doesn't apply to rental of a unit or room in a dwelling with up to 4 units, provided that:

 

- owner occupied

- no real estate broker or agent employed

- no discriminatory advertising

Term
Exemptions to Federal Fair Housing Act (4):
Definition

1.  Sale or rental of single-family home, provided that

- owner doesn't own more than 3 such homes

- No real estate broker or agent is employed

- No discriminatory advertising used

2. Mrs. Murphy exemption

3. In noncommercial transactions, religious org. or affiliation may give preference to own members, if membership not based on race, color, national origin

4. Private clubs may limit to own members if lodgings not open to public and not commercial

Term
Blockbusting is AKA:
Definition
Panic selling
Term
Steering:
Definition
Channeling prospective buyers or tenants toward or away from specific neighborhoods based on their race, etc. in order to maintain or change character of those neighborhoods
Term
Redlining
Definition

Refusal to make a loan because of the racial or ethnical composition of the neighborhood in which the security property is located

 

banking/lending issue

Term

Enforcement of Federal Fair Housing Act:

(penalties)

Definition

Max. penalty from $16,000 for 1st offense up to $65,000 for a 3rd or subsequent offense.

 

If litigated by attorney general, court can impose civil penalty ranging from max. of $55,000 for 1st offense up to max. of $110,000 for 3rd or subsequent offense.

 

Fed court can impose punitive damages but administrative law judge cannot

Term
ECOA
Definition

Equal Credit Opportunity Act

 

applies to all consumer credit transactions

Term
Home Mortgage Disclosure Act
Definition

provides way to evaluate whether lenders are serving housing needs of their communities and enforces redlining laws

 

large institutional lenders must file annual reports on residential mortgage loans

Term
ADA
Definition

Americans with Disabilities Act

 

1992

 

Ensures people with disabilities have equal access to public facilities

Term
Washington State prohibits discrimination against (12):
Definition

All 7 at federal level:

1. Race  2. Religion  3. Familial Status  4. National Origin  5. Color  6. Sex  7. Hanicap

 

Plus 5 more:

8. Creed

9. Sexual Orientation

10. Sensory, Physical or Mental disability

11. Use of Trained guide/service dog

12. Honorably discharged veteran or military status

Term
Under Washington State Law, if a real estate licensee discriminates in sales or hiring activities what are the possible reprecussions (4)
Definition

- license could be suspended or revoked

 

- could face fines up to $5,000 for each offense

 

-  could have to complete an education course in civil rights laws and nondiscriminatory real estate practices.

 

- violations of license law also punishable as gross misdemeanor

Term
Familial Status
Definition
Refers to those who have children (kids under 18) living with them. Also, includes anyone 'preggers' or in process of securing custody of a child
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