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Unit 21

Definitions

TermDefinition
Housing A dwelling that includes any building or part of a building for occupancy as a residence by one or more families.
Familial Status Presence of one or more individuals who have not reach the age of 18 and live with a parent or guardian
Disability A physical or mental impairment
Housing of Older Persons Act (HOPA) Repealed requirement that housing for 55-and-older have “significant facilities and services” designed for seniors.
Americans with Disability Act (ADA) Addresses the rights of persons with disabilities in employment (Title I) and public accommodations (Title II)
Fair Housing Act (Title VIII of Civil Rights Act of 1968) Prohibits discrimination in housing based on race, color, religion, and national origin. Laws have been passed to expand the classes protected by the Fair Housing Act.
Illinois Human Rights Act Specifies both "physical and mental" disability. Also adds ancestry, military status,military discharge, sexual orientation, and order of protection status as it impacts employment, real estate transactions, financial credit or public accommodations.
Blockbusting (Panic Selling) The act of encouraging people to sell or rent their homes by claiming that the entry of a protected class of people into the neighborhood will have some sort of negative impact on property values
Steering Channeling of home seekers in a particular neighborhood
Redlining The practice of refusing to make mortgage loans or issue insurance policies in specific areas for reasons other than the applicant’s financial qualifications.
Federal Fair Housing Act Protects owners and licensees who aid and encourage the enjoyment of open housing rights
Ethics High moral system of principles, rules, and standards that are based on personal values
Code of Ethics Written system of standards for professional, values-based conduct
Code of Ethics and Standards Practice Written code of conduct adopted by National Association of Realtors (NAR) for its members in 1913
Home Mortgage Disclosure Act Requires all institutional mortgage lenders with assets in excess of $36 million and one or more offices in a given geographic area make annual reports that detail all mortgage loans made by census tract.
Created by: Asimon0722