Federal and Florida fair housing law

Question 1

Which characteristic is expressly protected by both federal fair housing law and Florida's Fair Housing Act?

Accepted Answer

National origin

Answer

Occupation

Answer

Credit score

Answer

Length of employment

Question 2

A Florida landlord rejects an otherwise qualified applicant because she is pregnant. Which protection most directly applies?

Accepted Answer

Familial-status protection

Answer

The housing-for-older-persons exemption

Answer

The private-club exemption

Answer

Protection of multiple-listing-service membership

Question 3

A sales associate selects neighborhoods for a buyer based on the buyer's race rather than the buyer's stated preferences. What is this practice called?

Accepted Answer

Steering

Answer

Blockbusting

Answer

Redlining

Answer

Reasonable accommodation

Question 4

A Florida broker seeks listings by telling owners that families of a particular national origin are moving in and urging them to sell before that happens. Which practice best describes this conduct?

Accepted Answer

Blockbusting

Answer

Steering

Answer

Redlining

Answer

A physical modification

Question 5

A lender refuses otherwise qualified borrowers in a neighborhood because of the residents' race. Which term best describes this lending practice?

Accepted Answer

Discriminatory redlining

Answer

Steering

Answer

Blockbusting

Answer

A reasonable occupancy restriction

Question 6

A Florida landlord offers the same available unit to two equally qualified applicants but demands a larger deposit from one because of religion. What is the best conclusion?

Accepted Answer

The different deposit is discriminatory rental treatment.

Answer

The treatment is permitted because neither applicant was rejected.

Answer

The treatment is prohibited only if advertised publicly.

Answer

The treatment falls within the religious-organization exemption because religion is involved.

Question 7

A Florida landlord tells a family with children that an apartment has been rented, although it remains available, solely to avoid renting to children. Which prohibition directly addresses the statement?

Accepted Answer

False representation of housing availability based on familial status

Answer

Discrimination in residential appraisals

Answer

Restrictions on brokerage organization membership

Answer

Coercion of someone assisting a complainant

Question 8

Which statement best describes the property-rights protection in 42 U.S.C. section 1982?

Accepted Answer

It guarantees citizens the same property rights as white citizens.

Answer

It establishes the age thresholds for retirement housing.

Answer

It establishes Florida's one-year housing complaint deadline.

Answer

It defines reasonable changes to disability-related housing policies.

Question 9

A tenant with a mobility disability requests an assigned parking space near the entrance as an exception to a first-come parking policy. How should this request be classified?

Accepted Answer

A reasonable accommodation request

Answer

A physical modification

Answer

An older-persons exemption

Answer

A blockbusting complaint

Question 10

A renter requests permission to install necessary grab bars at the renter's expense. What is the requested change?

Accepted Answer

A reasonable physical modification

Answer

A lending accommodation

Answer

A familial-status exemption

Answer

A change to rental screening policy

Question 11

Under the general federal fair housing rule for reasonable modifications of existing premises, who bears the expense of the requested modification?

Accepted Answer

The person with the disability

Answer

The listing broker

Answer

The landlord as a required rental concession

Answer

The housing complaint agency

Question 12

A Florida housing provider approves a tenant's disability-related emotional support animal accommodation. Which charge is barred by the rule taught in this lesson?

Accepted Answer

An extra monthly charge for keeping the approved animal

Answer

The ordinary rent charged under the lease

Answer

The tenant's ordinary electricity charge

Answer

The usual parking charge unrelated to the animal or disability

Question 13

A Florida applicant requests an emotional support animal accommodation, but the disability is not readily apparent. What may the provider request under the stated Florida rule?

Accepted Answer

Reliable information reasonably supporting that the applicant has a disability

Answer

An additional animal fee before reviewing the request

Answer

Proof that the animal has specialized task training as the definition of an emotional support animal

Answer

Proof that the applicant qualifies for housing for older persons

Question 14

A rental provider permits a necessary reasonable interior modification but seeks an agreement to restore the interior when the tenant leaves. Which statement reflects the general federal rule?

Accepted Answer

A reasonable interior-restoration condition may be allowed, with reasonable wear and tear excepted.

Answer

Any restoration agreement defeats the right to modify.

Answer

Restoration must include ordinary wear and tear.

Answer

The landlord may substitute a refusal of all modifications for restoration terms.

Question 15

A Florida owner refuses a qualified buyer because the buyer's spouse, who will live in the dwelling, has a disability. How does Florida's protection apply?

Accepted Answer

It covers discrimination based on the disability of an intended resident.

Answer

It applies only if the buyer personally has the disability.

Answer

It applies only after the spouse becomes an owner.

Answer

It applies only if a physical modification has already been requested.

Question 16

A tenant needs both a ramp installed and an exception to a delivery policy because of a disability. Which classification is correct?

Accepted Answer

The ramp is a modification; the policy exception is an accommodation.

Answer

Both requests are physical modifications.

Answer

Both requests are policy accommodations.

Answer

The ramp is an accommodation; the policy exception is a modification.

Question 17

Qualifying housing for older persons receives a federal fair housing exemption concerning which protected characteristic?

Accepted Answer

Familial status

Answer

National origin

Answer

Religion

Answer

Disability

Question 18

For the federal 55-and-older housing category, what is the minimum occupied-unit requirement, in addition to the other conditions?

Accepted Answer

At least 80 percent of occupied units have at least one occupant aged 55 or older.

Answer

At least 55 percent of occupied units have one occupant aged 55 or older.

Answer

At least 80 percent of all residents are aged 55 or older.

Answer

At least 80 percent of occupied units have every occupant aged 62 or older.

Question 19

A community has 120 occupied units and satisfies the other federal 55-and-older conditions. At least how many occupied units must have an occupant aged 55 or older?

Accepted Answer

96

Answer

66

Answer

80

Answer

90

Question 20

A development meets the 80 percent occupied-unit age threshold but has neither policies demonstrating intent to operate as 55-and-older housing nor occupancy verification. Does the percentage alone establish the federal exemption?

Accepted Answer

No; intent policies and occupancy verification are also required.

Answer

Yes; the percentage replaces the other conditions.

Answer

Yes; calling the development retirement housing supplies both missing conditions.

Answer

No; the 55-and-older category requires every resident to be at least 62.

Question 21

A qualified older-persons community rejects an otherwise eligible applicant because of the applicant's religion. Which conclusion is best?

Accepted Answer

The older-persons exemption does not authorize religious discrimination.

Answer

The rejection is covered by the community's familial-status exemption.

Answer

The rejection is allowed if 80 percent of occupied units meet the age test.

Answer

The rejection becomes permissible after occupancy verification.

Question 22

Assume an owner transaction qualifies for an exemption under 42 U.S.C. section 3603(b). What happens to the federal prohibition on discriminatory housing advertisements in section 3604(c)?

Accepted Answer

It remains applicable despite that exemption.

Answer

It applies only if the owner hires a broker.

Answer

It is suspended while the owner occupies the property.

Answer

It is replaced by a requirement to disclose the preference privately.

Question 23

Which situation best fits the federal religious-organization housing exemption described in the lesson?

Accepted Answer

A qualifying religious organization prefers members of its religion in noncommercial housing it owns, and membership is not restricted by race, color, or national origin.

Answer

An ordinary commercial landlord prefers tenants sharing the landlord's religion.

Answer

A religious organization restricts membership by race and uses that membership rule to limit its housing.

Answer

A real estate brokerage reserves its commercial rental listings for clients of one religion.

Question 24

Which arrangement best fits the federal private-club lodging exemption?

Accepted Answer

A club genuinely closed to the public provides its own noncommercial lodging incidentally to its primary purpose and limits occupancy to members.

Answer

A public apartment complex renames its tenants a club.

Answer

A hotel open to the public gives a membership card to each guest.

Answer

An investment company uses club terminology for its commercial rentals.

Question 25

Which Florida agency receives the fair housing complaint described in section 760.34?

Accepted Answer

Florida Commission on Human Relations

Answer

Florida Real Estate Commission

Answer

The local property appraiser

Answer

The county clerk's recording office

Question 26

Under Florida section 760.34(2), when must a housing discrimination complaint be filed?

Accepted Answer

Within one year after the alleged discriminatory housing practice occurred

Answer

Within 100 days after the alleged discriminatory housing practice occurred

Answer

Within two years after the alleged discriminatory housing practice occurred

Answer

Within one year after the commission finishes its investigation

Question 27

What form does Florida section 760.34 require for a housing discrimination complaint?

Accepted Answer

A written, verified complaint stating the supporting facts

Answer

A written complaint the commission verifies after investigating

Answer

A written complaint stating the facts, with no verification needed

Answer

A verified oral statement given to a commission investigator

Question 28

A Florida applicant believes an announced discriminatory rental policy will injure her next week. Must she wait until the injury occurs before filing the complaint described in section 760.34?

Accepted Answer

No; the statute permits a complaint by someone who believes an imminent discriminatory practice will injure her.

Answer

Yes, until she has signed a lease.

Answer

Yes, until she has suffered a completed financial loss.

Answer

Yes, until the landlord has sold the dwelling.

Question 29

A landlord threatens a neighbor because the neighbor helped a tenant assert federal fair housing rights. Which rule directly applies?

Accepted Answer

The prohibition on threats or interference against someone aiding another person's fair housing rights

Answer

The older-persons housing exemption

Answer

The residential appraisal provision

Answer

The private-club lodging exemption

Question 30

A multiple-listing service denies an otherwise eligible broker membership because of the broker's national origin. Which federal provision most directly addresses that denial?

Accepted Answer

The prohibition on discriminatory access to brokerage services and organizations

Answer

The reasonable physical modification rule

Answer

The older-persons occupied-unit test

Answer

The private-club noncommercial lodging rule

Question 31

A residential appraiser lowers a valuation because of the homeowner's religion. How does federal fair housing law treat the appraisal?

Accepted Answer

The discriminatory appraisal is covered by the residential real estate-related transaction prohibition.

Answer

Appraisals are outside the residential transaction provisions.

Answer

The appraisal exemption permits religion as a valuation factor.

Answer

The prohibition applies only if the appraiser also makes the loan.

Question 32

Which loan is expressly included in the federal definition of a residential real estate-related transaction?

Accepted Answer

A loan to repair a dwelling

Answer

An unsecured loan to buy inventory for a retail store

Answer

An unsecured loan to buy delivery trucks

Answer

A loan secured solely by a commercial warehouse to buy business equipment

Question 33

An ordinary Florida apartment advertisement says, 'Applicants of our preferred religion receive priority.' No exemption applies. Which conclusion is correct?

Accepted Answer

The advertisement indicates a prohibited religious preference.

Answer

The advertisement is permissible until an applicant is rejected.

Answer

The advertisement is permissible if the landlord also accepts other applicants.

Answer

The advertisement is permissible because it states a preference rather than a complete exclusion.

Question 34

A Florida applicant is securing legal custody of a 12-year-old. A landlord rejects the applicant because the child will soon live there. Which statement best applies?

Accepted Answer

Florida's familial-status protection includes the process of securing legal custody of a child under 18.

Answer

Protection begins when the child turns 18.

Answer

Protection requires the applicant to be the child's biological parent.

Answer

Protection begins only after the child has occupied the unit.

Question 35

Which household most clearly fits the federal definition of familial status taught in the lesson?

Accepted Answer

A legal custodian living with a 10-year-old child

Answer

Two adult siblings, both age 30

Answer

A married couple with no children or pregnancy

Answer

A parent living with a 25-year-old child

Question 36

An owner argues that a federal Fair Housing Act transaction exemption permits racial discrimination against a citizen purchasing property. Which response best addresses the separate protection taught in the lesson?

Accepted Answer

Section 1982 separately protects equal property rights regardless of race.

Answer

The argument is correct if no discriminatory advertisement appears.

Answer

The argument is correct if the buyer has no children.

Answer

The argument is correct if the owner calls the transaction private.

Question 37

A broker refuses to negotiate a Florida home sale because of an applicant's sex. The broker says no violation occurred because no contract was signed. What is the best conclusion?

Accepted Answer

Florida prohibits refusing negotiations on that protected basis before a contract is signed.

Answer

A signed contract is required before the refusal can be discriminatory.

Answer

The refusal is permitted if the seller has not accepted another offer.

Answer

The refusal matters only if it also appears in an advertisement.

Question 38

A Florida apartment manager permits tenants of one race to use the pool but excludes tenants of another race. All tenants pay the same rent. Which conclusion is best?

Accepted Answer

The rule discriminates in facilities connected with the rental.

Answer

Equal rent eliminates the fair housing concern.

Answer

The rule is outside fair housing law because leases were already signed.

Answer

The conduct is blockbusting because it concerns residents of different races.

Question 39

A tenant asserts federal fair housing rights. The landlord threatens eviction because the tenant asserted those rights, without alleging a lease violation. Which description best identifies the issue?

Accepted Answer

Prohibited threats or interference tied to exercising fair housing rights

Answer

A physical modification dispute

Answer

An older-persons qualification dispute

Answer

A discriminatory appraisal

Question 40

An owner asks a Florida sales associate to conceal available listings from buyers of a particular national origin. Which response best complies with the fair housing principles taught?

Accepted Answer

Refuse the discriminatory instruction and provide truthful availability information without national-origin discrimination.

Answer

Follow the instruction because the owner controls who may buy.

Answer

Follow the instruction if it is written rather than spoken.

Answer

Tell affected buyers the homes are unavailable while continuing to show them to others.

Which characteristic is expressly protected by both federal fair housing law and Florida's Fair Housing Act?

A Florida landlord rejects an otherwise qualified applicant because she is pregnant. Which protection most directly applies?

A sales associate selects neighborhoods for a buyer based on the buyer's race rather than the buyer's stated preferences. What is this practice called?

A Florida broker seeks listings by telling owners that families of a particular national origin are moving in and urging them to sell before that happens. Which practice best describes this conduct?

A lender refuses otherwise qualified borrowers in a neighborhood because of the residents' race. Which term best describes this lending practice?

A Florida landlord offers the same available unit to two equally qualified applicants but demands a larger deposit from one because of religion. What is the best conclusion?

A Florida landlord tells a family with children that an apartment has been rented, although it remains available, solely to avoid renting to children. Which prohibition directly addresses the statement?

Which statement best describes the property-rights protection in 42 U.S.C. section 1982?

A tenant with a mobility disability requests an assigned parking space near the entrance as an exception to a first-come parking policy. How should this request be classified?

A renter requests permission to install necessary grab bars at the renter's expense. What is the requested change?

Under the general federal fair housing rule for reasonable modifications of existing premises, who bears the expense of the requested modification?

A Florida housing provider approves a tenant's disability-related emotional support animal accommodation. Which charge is barred by the rule taught in this lesson?

A Florida applicant requests an emotional support animal accommodation, but the disability is not readily apparent. What may the provider request under the stated Florida rule?

A rental provider permits a necessary reasonable interior modification but seeks an agreement to restore the interior when the tenant leaves. Which statement reflects the general federal rule?

A Florida owner refuses a qualified buyer because the buyer's spouse, who will live in the dwelling, has a disability. How does Florida's protection apply?

A tenant needs both a ramp installed and an exception to a delivery policy because of a disability. Which classification is correct?

Qualifying housing for older persons receives a federal fair housing exemption concerning which protected characteristic?

For the federal 55-and-older housing category, what is the minimum occupied-unit requirement, in addition to the other conditions?

A community has 120 occupied units and satisfies the other federal 55-and-older conditions. At least how many occupied units must have an occupant aged 55 or older?

A development meets the 80 percent occupied-unit age threshold but has neither policies demonstrating intent to operate as 55-and-older housing nor occupancy verification. Does the percentage alone establish the federal exemption?

A qualified older-persons community rejects an otherwise eligible applicant because of the applicant's religion. Which conclusion is best?

Assume an owner transaction qualifies for an exemption under 42 U.S.C. section 3603(b). What happens to the federal prohibition on discriminatory housing advertisements in section 3604(c)?

Which situation best fits the federal religious-organization housing exemption described in the lesson?

Which arrangement best fits the federal private-club lodging exemption?

Which Florida agency receives the fair housing complaint described in section 760.34?

Under Florida section 760.34(2), when must a housing discrimination complaint be filed?

What form does Florida section 760.34 require for a housing discrimination complaint?

A Florida applicant believes an announced discriminatory rental policy will injure her next week. Must she wait until the injury occurs before filing the complaint described in section 760.34?

A landlord threatens a neighbor because the neighbor helped a tenant assert federal fair housing rights. Which rule directly applies?

A multiple-listing service denies an otherwise eligible broker membership because of the broker's national origin. Which federal provision most directly addresses that denial?

A residential appraiser lowers a valuation because of the homeowner's religion. How does federal fair housing law treat the appraisal?

Which loan is expressly included in the federal definition of a residential real estate-related transaction?

An ordinary Florida apartment advertisement says, 'Applicants of our preferred religion receive priority.' No exemption applies. Which conclusion is correct?

A Florida applicant is securing legal custody of a 12-year-old. A landlord rejects the applicant because the child will soon live there. Which statement best applies?

Which household most clearly fits the federal definition of familial status taught in the lesson?

An owner argues that a federal Fair Housing Act transaction exemption permits racial discrimination against a citizen purchasing property. Which response best addresses the separate protection taught in the lesson?

A broker refuses to negotiate a Florida home sale because of an applicant's sex. The broker says no violation occurred because no contract was signed. What is the best conclusion?

A Florida apartment manager permits tenants of one race to use the pool but excludes tenants of another race. All tenants pay the same rent. Which conclusion is best?

A tenant asserts federal fair housing rights. The landlord threatens eviction because the tenant asserted those rights, without alleging a lease violation. Which description best identifies the issue?

An owner asks a Florida sales associate to conceal available listings from buyers of a particular national origin. Which response best complies with the fair housing principles taught?

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