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HUD Exam - Fair Housing
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Residential security restrictions
B
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Redlined Maps
Government-sponsored deeds - Answer :B
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Deed restrictions that discriminate based on any of the seven
prohibited bases for discrimination are illegal and unenforceable
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Securitizing
B
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Predatory lending
D Redlining - Answer :D
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Quiz :Following the assasination of Dr
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, Congress passed
what monumental piece of legislation, which prohibits discrimination in
housing sales, rentals, and financing based on race, color, national origin,
religion, (and as later amended) sex, disability, and familial status? - Answer
:Civil Rights Act of 1968
Quiz :The Fair Housing Act, as amended, protects how many characteristics? Answer :7 Characteristics; race, color, national origin, sex, religion, disability
and familial status
Quiz :A property manager of an apartment complex that receives federal
financial assistance installs a ramp so that a tenant in a wheelchair can easily
access her first-floor apartment
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Reasonable accommodation
B
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Reasonable modification
D
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- Answer :C
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A tenant with a mental disability, who is afraid to
leave her unit, is allowed to mail her rent payment
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Reasonable accommodation
B
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Reasonable modification
D
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- Answer :Reasonable Acommodation
Quiz :Refusing to rent, sell, or negotiate for housing when the owner of the
housing is a private entity that owns six single family houses
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This is a legal practice
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This is a prohibited practice
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Prohibited Practice
-According to the Fair Housing Act, it is prohibited to rent, sell, or negotiate the
sale or rental of a dwelling based on protected characteristics
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Quiz :Making housing that is operated by a religious organization unavailable
to those who are not members of the religious organization
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This is a legal practice
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This is a prohibited practice
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Legal practice
-The Fair Housing Act restrictions do not apply to circumstances in which
housing is operated by, or in conjunction with, a religious organization,
association, society, or nonprofit organization
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This is a legal practice
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This is a prohibited practice - Answer :B
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-According to the Fair Housing Act, it is prohibited to falsely represent the
availability of a dwelling, through actions such as limiting information, by word
or conduct, regarding suitably priced dwellings, available for inspection, sale or
rental
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Quiz :Failing to process an offer for the sale or rental of a dwelling that was
promoted by a real estate agent
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This is a legal practice
B
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- Answer :B
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Quiz :Refusing to rent a dwelling to a family with young kids in a community
that the HUD secretary has determined to be designated for elderly persons
under a federal program
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This is a legal practice
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This is a prohibited practice
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Legal Practice
-Housing providers for older persons may be exempt from the familial status
provisions of the Fair Housing Act, if the HUD Secretary has determined the
housing is designed for and occupied by elderly persons under a federal, state,
or local government program
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Refusing to provide information regarding loans
B
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Suggesting that a potential client review information about all different loan
types
D
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- Answer :C
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-The Fair Housing Act does not prohibit a lender from showing potential clients
information about different types of loans
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A
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This is a prohibited practice - Answer :A
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It is not an unlawful practice to charge more for

additional coverage, as long as the charge is not based on race, color, national
origin, religion, sex, disability, or familial status
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A
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This is a prohibited practice - Answer :B
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Quiz :A mortgage lender offers steeper interest rates and different terms and
conditions to borrowers who are Native American that to those who are white
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This is a legal practice
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This is a prohibited practice
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Prohibited practice
-The lender cannot set different rates, terms, and conditions based on race
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A
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Fair Housing Assistance Program (FHAP) - Answer :B
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Fair Housing Initiatives Program (FHIP)
B
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Fair Housing Initiatives
Program (FHIP)
Quiz :All are examples of how entities that participate in HUD housing or
urban development programs can affirmatively further fair housing, except:
A
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B
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C
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D
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Issue an order for relief if it is found that an
organization has engaged, or is about to engage, in a discriminatory housing
practice
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Quiz :Which aims to identify groups of people who would benefit most if
targeted by the campaign, the characteristics of these people, and their
expectations?
A
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HUD-funded program
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Networking event - Answer :A
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The aim of this is to identify groups of people who
would benefit most if targeted by the campaign, the characteristics of these
people and their expectations
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Marketing analysis
B
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Networking event - Answer :C
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-There are numerous ways that participating in networking events, or
collaboration events, benefit housing counselors
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Quiz :To assist clients who may utilize them, housing counselors should
research AFFH rules for which of the following?
A
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HUD-funded program
C
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HUD-funded program
-If housing counseling clients seek housing through certain programs, it is
beneficial for them to be aware of AFFH requirements for those programs
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