Under the federal Fair Housing Act as applied in Pennsylvania, all of the following actions by a lender would constitute illegal lending discrimination EXCEPT:
Correct Answer
C) Denying a loan application because the applicant's income is insufficient to meet debt-to-income ratio requirements
Denying a loan based on insufficient income or failure to meet debt-to-income ratio requirements is a legitimate, non-discriminatory lending criterion. Lenders are permitted and expected to evaluate borrowers based on their financial qualifications.
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Related Concepts
Price fixing is an illegal antitrust practice in which competing real estate brokerages agree to charge the same commission rates, fees, or other pricing for their services. It is a per se violation of the Sherman Antitrust Act.
Florida brokers are required to maintain transaction records and escrow records for a minimum of five years.
A tie-in arrangement is an illegal antitrust practice in which a seller conditions the purchase of one product or service on the buyer's agreement to purchase a separate product or service.
More Pa Fair Housing Human Relations Act Questions
A real estate agent in Pennsylvania is found by the PHRC to have engaged in steering based on race. In addition to PHRC remedies, the SREC considers disciplinary action. Under RELA, fair housing violations may result in which of the following SREC sanctions?
A landlord in Pennsylvania owns a duplex and lives in one unit. The landlord refuses to rent the other unit to a family because of their race. The landlord did not use a real estate agent or discriminatory advertising. Under fair housing law, is this landlord's action lawful?
Under the federal Fair Housing Act as applied in Pennsylvania, all of the following constitute prohibited discriminatory advertising EXCEPT:
A private, non-commercial religious organization in Pennsylvania owns a residential building and limits occupancy to members of its faith. The organization does not use a real estate broker and does not discriminate based on race. Under the PA Human Relations Act, is this practice lawful?
A landlord in Pennsylvania tells an applicant of Italian ancestry, 'We prefer tenants who are more American.' The applicant is denied the rental. Under the PA Human Relations Act, the landlord has violated protections based on which protected class?
- → A tenant in Pennsylvania wants to file a fair housing complaint but is unsure whether to file with the PHRC or pursue a private lawsuit. A key difference between the two approaches is:
- → A tenant in Pennsylvania files a housing discrimination complaint with both the PHRC and HUD simultaneously. Under the work-sharing agreement between these agencies, what typically happens?
- → Under the PA Human Relations Act, a person who has been the victim of housing discrimination may seek damages through which avenue(s)?
- → Under the PA Human Relations Act, the PHRC has jurisdiction over housing discrimination complaints filed in Pennsylvania. What is the PHRC's geographic jurisdiction?
- → Under the PA Human Relations Act, what role do local human relations commissions play in fair housing enforcement in Pennsylvania?
- → A person in Pennsylvania who has experienced housing discrimination but missed the 180-day PHRC filing deadline has which remaining option?
- → Under the PA Human Relations Act, the PHRC is designated as a 'substantially equivalent' agency by HUD. What does this designation mean?
- → Under the PA Human Relations Act, a real estate licensee who receives fair housing continuing education learns about 'testing.' What is fair housing testing?
- → If the PHRC and a respondent in a housing discrimination case reach a successful conciliation agreement, the agreement typically includes:
- → Under the PA Human Relations Act, the PHRC is composed of commissioners appointed by which official?
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Previous Question
A housing development in Pennsylvania has a 'no pets' policy. A prospective tenant with a documented anxiety disorder requests to keep an emotional support animal. The landlord refuses, citing the no-pets policy. Under the PA Human Relations Act, the landlord's refusal is:
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A Pennsylvania landlord charges a pet deposit to all tenants with pets. A tenant with a visual impairment and a guide dog is asked to pay the pet deposit. Under the PA Human Relations Act, is the landlord's demand lawful?