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Chapter 22 ________________ Fair Housing, ADA, Equal Credit, and Community Reinvestment

Chapter 22 ________________ Fair Housing, ADA, Equal Credit, and Community Reinvestment. Race Color Religion Sex National Origin Handicap Familial Status. Fair Housing. Race Color Religion National origin Sex. Fair Housing. Equal Credit Opportunity Act. Family status

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Chapter 22 ________________ Fair Housing, ADA, Equal Credit, and Community Reinvestment

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  1. Chapter 22________________Fair Housing, ADA, Equal Credit, and Community Reinvestment

  2. Race Color Religion Sex National Origin Handicap Familial Status Fair Housing

  3. Race • Color • Religion • National origin • Sex Fair Housing Equal Credit Opportunity Act • Family status • Handicap • Public assistance • Age • Marital status Protected Classes

  4. Illegal Acts • 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.

  5. Illegal Acts (continued) • 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.

  6. Steering The illegal practice of directing home seekers to particular neighborhoods.

  7. Block Busting The illegal practice of inducing panic selling in a neighborhood for financial gain.

  8. Americans with Disabilities Act • ADA enacted July 1992. • Deals primarily with commercial property. • Provides access requirements and prohibits discrimination against people with disabilities.

  9. Community Reinvestment Act • Expands the concept that needs of community must be addressed. • Institution must post CRA notice in lobby.

  10. Equal Credit Opportunity Act originally passed to provide for equal credit for borrowers by making it unlawful to discriminate against an applicant for credit based on sex or marital status, the act was amended to prohibit discrimination in any credit transaction based on race, color, religion, national origin, sex, marital status, age (not including minors), receipt of income from a public assistance program, and the good faith exercise of rights under the ECOA or other federal consumer protection laws.

  11. Key Terms • ADA • Block busting • CRA • ECOA • Familial status • Handicapped • Protected class • Steering • Tester

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