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Prohibiting construction in wetlands is constitutionally exempt.

A) True
B) False

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The following language is part of a deed, "To A so long as no Germans are permitted to live on the property." Such a restriction:


A) Is valid because Germans are not a protected class.
B) Is valid because it is a private restriction.
C) Is valid because it is not a deed restriction but part of a grant of land.
D) Is unconstitutional.

E) All of the above
F) A) and B)

Correct Answer

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Which of the following involves designation of certain geographic areas as high risk?


A) Blockbusting
B) Steering
C) Redlining
D) Section 8 housing areas

E) None of the above
F) C) and D)

Correct Answer

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Age restrictions are valid when alternative housing is available.

A) True
B) False

Correct Answer

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Requiring a landowner to provide a public right-of-way across her land is:


A) A taking.
B) Not considered a taking because the owner would still have title to the land.
C) An easement by necessity.
D) Is good citizenship and enforceable if the landowner agrees.

E) None of the above
F) B) and C)

Correct Answer

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Meridian Insurance Company does not write insurance policies in the Bedford borough area. "There have been too many claims from that area and we just cannot afford to write policies there." Meridian:


A) Is entitled to determine where it will and will not do business.
B) Is engaged in redlining.
C) Is engaged in steering.
D) Is engaged in blockbusting.

E) A) and B)
F) All of the above

Correct Answer

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A broker who discourages minority buyers by temporarily removing houses from the market in certain areas has engaged in:


A) Blockbusting.
B) Redlining.
C) Steering.
D) Denial of low-income housing access.

E) None of the above
F) C) and D)

Correct Answer

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The Affirmatively Furthering Fair Housing Rule has been promulgated by HUD and is in effect.

A) True
B) False

Correct Answer

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Just compensation is compensation for the government's gain.

A) True
B) False

Correct Answer

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Which of the following advertisements for an apartment would violate the Fair Housing Act?


A) "Christian tenant desired"
B) "Easy access to public transportation"
C) "Located near churches, hospitals, restaurants, and grocery stores"
D) "Easy access to public transportation and free health clinics"

E) A) and B)
F) A) and C)

Correct Answer

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The Fair Housing Act does not apply to landlords.

A) True
B) False

Correct Answer

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Fifth Fourth Bank has different loan terms for borrowers, depending upon the location of their property to be mortgaged. For example, in high crime areas, Fifth Fourth Bank requires a higher down payment as well as a higher interest rate. Fifth Fourth Bank:


A) Has violated the Fair Housing Act.
B) Has not violated the Fair Housing Act because it has not denied loans to people in those areas.
C) Is required to have the same loan terms for minority applicants as it has for white applicants under the Fair Housing Act.
D) Has not violated the Fair Housing Act if the bank uses the same criteria on all applicants.

E) A) and B)
F) All of the above

Correct Answer

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The Fair Housing Act requires proof of intentional discrimination or disparate treatment for a violation to be found.

A) True
B) False

Correct Answer

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Christian Dalbert, a real estate broker, went from door-to-door in a Cleveland neighborhood and knocked on doors to explain that immigrants were moving into the area and that they "always bring bedbugs with them, and you cannot get rid of bedbugs unless you get rid of all your furniture and clothes." Most of those residing in the neighborhood listed their homes with Dalbert and left the area. The area became populated with immigrants from various countries. What if the area was diverse prior to Christian's efforts and remained diverse after the homes were sold?


A) The Fair Housing Act requires proof that the conduct resulted in exclusion on the basis of race, religion, or national origin
B) The Fair Housing Act applies because brokers are not permitted to solicit throughout neighborhoods
C) The Fair Housing Act does not apply to statements about bedbugs
D) The Fair Housing Act does not apply to property condition issues discussed by landlords and brokers

E) A) and C)
F) None of the above

Correct Answer

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The city of Norwood, Ohio, has an area that is somewhat commercial and somewhat residential. The area is an older area and the city of Norwood had developed a plan to revitalize the area. A private developer went in and purchased many of the small businesses, but one small business owner refused to sell. The city began eminent domain proceedings to take the property. The small business owner says that the city is taking away his property just to give it to another business that the city likes better. What if the state had passed a statute that prohibited the taking of property by local governments for purposes of substituting a different business in an area?

Correct Answer

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​Following Kelo, many states d...

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States cannot pass laws that supersede the Kelo case.

A) True
B) False

Correct Answer

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The Fair Housing Act:


A) Is part of the Civil Rights Act.
B) Applies only to lenders.
C) Does not apply to insurers.
D) Applies only to sales of real property.

E) A) and C)
F) C) and D)

Correct Answer

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Annexation of areas into a city or town:


A) Are required by s U.S. Supreme Court decision.
B) Cannot be granted or denied by the city on the basis of race.
C) Are only permissible after a public vote.
D) Do not involve the Voting Rights Act.

E) None of the above
F) B) and C)

Correct Answer

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The following language in a deed: "To my daughter so long as she does not permit non-Caucasian tenants to reside therein."


A) Is legal so long as it is a private property
B) Is legal so long as there are other properties available for non-Caucasians
C) Violates the Rule Against Perpetuities
D) Is a void fee simple defeasible

E) A) and D)
F) C) and D)

Correct Answer

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Temporarily withdrawing a home from the market to prevent its purchase is a method of steering.

A) True
B) False

Correct Answer

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