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chapter 20

fair housing and ethical practices

Americans with Disabilities Act (ADA) A Federal Act that facilitates accessibility and mobility by ramp construction, safety rails, wider doors, and other accommodations.
blockbusting or Panic Peddling The act of encouraging people to sell or rent their homes by claiming that the entry of a protected class will have a negative impact on property values.
Channeling The illegal practice of channeling homes seekers to particular areas, either to maintain the homogeneity of an area or to change the character of an area, which limits their choices of where they can live.
Civil Rights Act of 1866 Federal Act that prohibited any type of discrimination based on race in the sale or rental of real property.
Code of ethics A written system of standards for ethical conduct.
Department of Housing and Urban Development (HUD) A federal cabinet dept. active in national housing programs; offers programs such h as urban renewal, public housing, model cities, rehabilitation loans, FHA subsidies, fair housing enforcement
Equal Credit Opportunity Act (ECOA) Prohibits creditors from discrimination on the basis of race, color, religion, national origin, sex, marital status, age, and receipt of public assistance.
Federal Fair Housing Act Federal law that prohibits discrimination based on familial status, race, sex, handicap, color, religion, national origin. (FRESH CORN)
North carolina fair housing act of 1983 similar prohibitions to federal fair housing law. Differs by not exempting owners who are selling their own property, and it does exempt the rental in a 1 to 4– unit residential building if the owner or owner’s family members lives in one of the units.
North Carolina human Relations Commission The first place to file a complaint by those who have been injured by discriminatory housing acts.
Office of Fair Housing and Equal Opportunity (OFHEO) Administers the Federal Fair Housing Act under the direction of the Secretary of HUD.
Panic peddling The illegal practice of inducing homeowners to sell their properties by making representations regarding the entry or prospective entry of persons of a particular protected class into the neighborhood.
Redlining Illegal practice by lending institutions to deny or discourage loan application in an area based on its racial composition or deterioration.
Steering The channeling of homeowners to particular neighborhoods based on the presence or absence of a protected class.
Created by: whitwill