Real Estate Principles

Ninth Edition

Real Estate:
An Introduction to the Profession
Ninth Edition

By Charles J. Jacobus
South-Western Publishing©2002

South-Western Publishing©2002
 Chapter 22

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Fair Housing, ADA, Equal Credit,
and Community Reinvestment

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Race
Color
Religion
Sex
National Origin
Handicap
Familial Status

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 Protected Classes
• Race
• Color
Fair Housing Equal Credit
• Religion
1. Family status Opportunity Act
• National origin
2. Handicap 1. Public assistance
• Sex
2. Age
3. Marital status

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 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:

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 Illegal Acts
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

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 Steering
•The illegal practice of directing home
seekers to particular neighborhoods

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 Block Busting
• Theillegal practice of inducing panic selling in
a neighborhood for financial gain

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 Americans with Disabilities Act

• ADA enacted July1992.

• Deals primarily with commercial property.
• Provides access requirements and prohibits
discrimination against people with disabilities.

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 Key Terms
• ADA • Handicapped
• Block Busting • Protected class
• CRA • Steering
• ECOA • Tester
• Familial status

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