A mortgage lender in Ohio consistently charges higher interest rates to borrowers of a particular race, even when their credit profiles are identical. Under Ohio law, a complaint about this practice should be filed with the:
Correct Answer
C) Ohio Civil Rights Commission
The Ohio Civil Rights Commission (OCRC) is the primary state agency for investigating housing discrimination complaints, including discriminatory lending practices. Under ORC 4112, the OCRC has jurisdiction over discriminatory housing practices.
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Related Concepts
Antitrust violations in real estate occur when competing brokerages or agents engage in practices that restrain trade, reduce competition, or harm consumers through collusion. These violations are governed by the Sherman Antitrust Act and can result in severe penalties.
Broker supervision is the legal obligation of a designated or managing broker to oversee and be accountable for the real estate activities of all salespersons and associate brokers operating under their license.
Commingling is the illegal act of mixing client funds with a broker's personal or business operating funds, while conversion is the unauthorized use of client funds for the broker's own benefit. Both are serious violations that can result in license revocation.
More Oh Fair Housing Questions
An Ohio tenant believes they were denied housing based on their disability but is unsure where to file a complaint. The tenant's BEST first step is to:
After a housing discrimination complaint is filed with the Ohio Civil Rights Commission, the OCRC's first step in the process is typically to:
A tenant in Columbus, Ohio files a housing discrimination complaint with the OCRC alleging that their landlord refused to renew their lease because of their race. The OCRC investigates and finds no probable cause. What is the tenant's remaining option?
Which of the following individuals may file a housing discrimination complaint with the Ohio Civil Rights Commission?
Under Ohio law, a person who witnesses housing discrimination against another person can:
- → The correct sequence of steps in the OCRC housing discrimination complaint process is:
- → Under Ohio fair housing law, which entity has the authority to conduct fair housing testing (sending testers to determine if discriminatory practices are occurring)?
- → Under Ohio law, a real estate licensee who is found to have engaged in housing discrimination may face discipline from the Superintendent of Real Estate. Which of the following is a ground for disciplinary action under ORC 4735?
- → A prospective tenant in Ohio is denied housing and believes the denial was discriminatory. The tenant wants to file a complaint but does not have money for an attorney. Under Ohio law, the tenant can:
- → Under Ohio fair housing law, retaliation against a person who files a fair housing complaint is:
- → Under Ohio fair housing enforcement, the term 'conciliation' in the OCRC complaint process refers to:
- → A landlord in Ohio is served with an OCRC complaint notification. The landlord must respond to the complaint within the deadline set by the OCRC. Failure to respond will MOST likely result in:
- → A complainant in an Ohio housing discrimination case prevails at the OCRC hearing. The OCRC awards $25,000 in compensatory damages. The respondent refuses to pay. Under Ohio law, the OCRC's order can be enforced by:
- → A fair housing organization in Ohio conducts testing and discovers that a large apartment complex consistently offers different rental terms to applicants of different races. The organization wants to file a complaint. Under Ohio law, does a fair housing organization have standing to file?
- → Under Ohio fair housing enforcement, all of the following are possible consequences for a real estate licensee who engages in housing discrimination EXCEPT:
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Tom, an Ohio real estate agent, is working with a buyer of Hispanic descent. Tom only shows the buyer properties in predominantly Hispanic neighborhoods. This practice is known as:
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A real estate agent in Springfield, Ohio tells a seller, 'You should sell now because Hispanic families are moving into the neighborhood and property values will drop.' This illegal practice is known as: