Question

This is not prohibited by the federal fair housing act of 1968 title 8?

a. refusal of tenancy, based on poor credit history
b. redlining
c. steering
d. block buttering

Answer 1

Refusal of tenancy based on poor credit history is not prohibited by the Fair Housing Act since it pertains to financial reliability while redlining, steering, and blockbusting are outlawed due to their discriminatory nature.

Step-by-step explanation:

The Fair Housing Act of 1968, also known as Title VIII of the Civil Rights Act of 1968, was established to prohibit discrimination in the sale, rental, and financing of housing based on race, color, religion, national origin, sex, handicap, and familial status. One aspect that is not prohibited by the Fair Housing Act is the refusal of tenancy based on a poor credit history. This is because credit history is related to the financial reliability of a prospective tenant, which is a legitimate concern for landlords.

On the other hand, practices like redlining, steering (guiding prospective home buyers towards or away from certain neighborhoods based on race), and blockbusting (also known as block buttering, where agents profit from racial fears to drive property turnover) are explicitly illegal under the Fair Housing Act as they are forms of racial discrimination. These methods were once used to maintain housing segregation and sometimes continue in less overt forms today, despite being illegal.

It's important to acknowledge that while discriminatory practices such as redlining have been outlawed, their lasting impacts continue to affect communities' educational and financial opportunities. Efforts persist to address and remediate these historical injustices.

Answer 2

Refusal of tenancy, based on poor credit history is not prohibited by the federal fair housing act of 1968 title 8.

The correct answer is option a. refusal of tenancy, based on poor credit history.

Step-by-step explanation:

Refusal of tenancy based on poor credit history is generally allowed under the Federal Fair Housing Act. Landlords can make decisions based on financial criteria, such as credit history, as long as it is applied uniformly to all applicants and is not a pretext for discrimination based on one of the protected categories.

b. Redlining: Redlining is prohibited by the Federal Fair Housing Act. Redlining involves denying loans or insurance to people based on their race, ethnicity, or neighborhood. It is a discriminatory practice and is not allowed under the Act.

c. Steering: Steering is the practice of directing individuals or families to specific neighborhoods based on their race, ethnicity, or other protected characteristics. This is prohibited by the Federal Fair Housing Act.

d. Blockbusting: Blockbusting involves inducing homeowners to sell their properties by suggesting that members of a particular protected class are moving into the neighborhood, leading to a decline in property values. This practice is prohibited under the Federal Fair Housing Act.

Therefore, the correct answer is option a. refusal of tenancy, based on poor credit history.