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URE-FEDERAL LAWS

QuestionAnswer
Americans with Disabilities Act (ADA) The purpose of this act is to eliminate discrimination against those with disabilities and allow them to enter the economic and social mainstream. This is done by providing equal opportunities in employment, transportation, communications, and access to
Annual Percentage Rate (APR) The interest rate plus any other charges for the loan, including such things as discount points and origination fees
Blockbusting The illegal practice of inducing panic selling in a neighborhood by starting rumors involving minorities moving in.
Environmental Protection Agency(EPA) The government entity which deals with the impact of commercial, industrial and residential development on the environment.
Equal Credit Opportunity Act (ECOA) Federal act which prohibits discrimination in financing, based on race, age, sex, or marital status.
Familial Status One of the protected classes under Fair Housing referring to families with children under 18.
Federal Fair Housing Act of 1866 This body of law stated no discrimination based on race in the sale or lease of real estate is allowed and all people are to be treated the same as white people.
Federal Fair Housing Act of 1968 Extended the Federal Fair Housing Act of 1866 by adding the prohibition of discrimination according to color, sex, religion, and natural or national origin. It specifically stated that no discrimination should take place relative to sale or rental of re
Federal Fair Housing Amendment of 1988 Added two new protected classes to Fair Housing: handicapped and familial status.
Real Estate Settlement Procedures Act (RESPA) Enacted in 1974, and administered by HUD, this Federal law was created to protect consumers, meaning owners of one to four family residences, when obtaining real estate loans. Like Truth in Lending, it focuses on disclosure of the cost of borrowing money
Redlining The discriminatory practice of refusing to make loans in certain neighborhoods.
Sherman Antitrust Act A law designed to encourage competition and free enterprise by outlawing price fixing.
Steering The act of directing buyers to or away from certain geographical areas for the purpose of discriminating.
Truth in Lending (Reg. Z, Federal Consumer Credit Protection Act) An act created in Congress to protect consumers from being deceived about the costs of borrowing money. It requires full disclosure of the cost of borrowing money and regulates advertising of credit.
Uniform Commercial Code (UCC) The body of law that regulates the transfer, or sale, of personal property, such as when one is selling a business (UCC).
Created by: ryan0099