Đạo đứcCâu 300 / 400
The practice of denying or restricting mortgage credit to entire neighborhoods based on their racial or ethnic composition, regardless of individual applicants' qualifications, is called:
a.Steering
b.Blockbusting
c.Redlining
d.Disparate treatment of a single applicant
Giải thích
Redlining is refusing or restricting credit to whole geographic areas because of their racial or ethnic makeup. Steering directs individuals toward or away from areas, blockbusting induces panic selling by exploiting fears of neighborhood change, and disparate treatment of one applicant addresses a single person rather than an entire neighborhood.
Trích dẫn luật: Fair Housing ActLuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
Câu hỏi liên quan cùng chủ đề
- A loan officer discourages a qualified applicant from applying after learning the applicant is 68 years old, saying 'a loan probably isn't right for someone your age.' This is:
- Which characteristic is a protected class under the federal Fair Housing Act that is NOT expressly listed in ECOA?
- A family with three young children is told an apartment complex is 'really better suited for adults.' This most likely violates the Fair Housing Act's protection for:
- A loan officer only shows loan programs in predominantly minority neighborhoods to minority applicants and never mentions those areas to white applicants. This is an example of:
- A neutral-looking lending policy that unintentionally causes a significantly worse outcome for a protected class, without business justification, may still be illegal under the theory of:
- Under the prohibition on unfair, deceptive, or abusive acts or practices (UDAAP), a practice is 'deceptive' when it:
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