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Es14B Protect Consum

ES14B Protecting the Consumer

QuestionAnswer
State law expressing policy of nondiscrimination in very broad terms, applicable to all business establishments of any kind, and prohibiting certain discrimination in the rendering of “services” without further specification. [UCRA] Unruh Civil Rights Act
This correctly identifies _______ __ of RESPA, which prohibits kickbacks and unearned referral fees; payments exceeding fair market value for services not actually performed are treated as disguised referral fees. [S8] Section 8
This correctly identifies the licensee's liability under the ______ __ ____________ precedent, which mandates that brokers have an affirmative duty to conduct a competent visual inspection and disclose all material facts affecting value. [EvS] Easton v. Strassburger
This correctly identifies TILA's Regulation Z advertising rules, which dictate that STATING A SPECIFIC DOWN PAYMENT is a '_______ term' requiring the disclosure of the APR, loan term, and repayment schedule. [T] trigger
This correctly identifies the ______ Act (Housing Financial Discrimination Act), which specifically prohibits financial institutions from engaging in discriminatory redlining practices based on geographical location. [H] Holden
_______ ____ _______ Act of 1963 makes it unlawful to discriminate in the rentals, sale, financing, or leasing or housing because of race, color, religion, national origin, or ancestry. [RFHA] Rumford Fair Housing Act
The __ _____ _____ ______ Act (CA CC Section 51) prohibits all businesses in CA from discriminating against consumers for race, sex, disability, religion, or sexual orient. Violating can result in actual damages plus a min. of $4k per violation. [UCRA] Unruh Civil Rights Act
CA ______ Act (Housing Financial Discrimination Act of 1977) prohibits financial institutions from discriminating in RE loans on race, color, religion, sex, marital status, or the racial/ethnic composition of surrounding neighborhood. No redlining. [H] Holden Act
This correctly identifies a group boycott, which is a per se violation of the _______ _________ Act occurring when competitors collude to exclude another competitor from the marketplace. [SAA] Sherman Antitrust Act
This correctly identifies Civil Code Section 2079.10a, which states that providing the standardized _______ ___ statutory database notice fully satisfies the seller's and broker's disclosure duties on sex offenders. [ML] Megan's Law
Identifies 'source of income' under ____ _________ ___ _______ Act (FEHA), which was amended in California (effective Jan 1, 2020) to explicitly protect Section 8 and other public assistance housing voucher recipients from discrimination. [FEHA] Fair Employment and Housing Act
Identifies requirements of Interstate Land Sales Full Disclosure Act (ILSFDA), which mandates registration with ________ ________ __________ Bureau (CFPB) and delivery of extensive Property Report for subdivisions with 100 or more non-exempt lots. [CFPB] Consumer Financial Protection Bureau
Transfers between co-owners, spouses, or resulting from a court order (like probate or bankruptcy) are _______ exempt from the TDS requirement. [L] legally
The _______ ______ Disclosure (NHD) specifically covers six categories: flood zones, dam failure inundation, very high fire hazard zones, wildland fire areas, earthquake fault zones, and seismic hazard zones. [NH] natural hazard
If the _____-____ Community Facilities Act of 1982 disclosure is delivered after the execution of the offer, the buyer has a three-day right to cancel (rescind) the contract after personal delivery. [M-R] Mello-Roos
Created by: ad123
 

 



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