CMCA M100 EXAM NEWEST 2026 ACTUAL EXAM
TEST BANK| M100 CMCA EXAM REVIEW WITH
COMPLETE 350 REAL EXAM QUESTIONS AND
CORRECT VERIFIED ANSWERS/ ALREADY GRADED
A+ (MOST RECENT!!)
Which of the following is NOT a basic type of residential community
association?
a. Planned community
b. Townhouse
c. Cooperative
d. Condominium - Correct Answer -b. Townhouse.
What defines a community association?
a. Ownership rights
b. Architectural style
c. Local government rules
d. Optional membership - Correct Answer -a. Ownership rights.
Adoption of the annual budget is an example of which of the following
types of resolutions?
a. Policy resolution
b. Administrative resolution
c. Special resolution
d. General resolution - Correct Answer -d. General resolution.
pg. 1
,Where does a community association derive its legal obligations from? -
ANSWER - - Federal, state, and local statutes, regulations, and case law
(court decisions)
- Legal documents unique to the community association that bind the
association and its owners
- Lender requirements - for example, requirements set by secondary
mortgage institutions (FHA, Fannie Mae, Freddie Mac, etc.)
What are the types of Federal Laws applying to community
associations? - ANSWER - 1. Equal Employment Opportunity
Commission (EEOC)
2. Fair Debt Collection Practices Act (FDCPA)
3. Fair Labor and Standards Act (FSLA)
4. Family and Medical Leave Act (FMLA)
5. Federal Insurance Contributions Act (FICA)
6. Occupational Safety and Health Act (OSHA)
7. Soldiers' and Sailors' Civil Relief Act of 1940
8. U.S. Bankruptcy Code
9. Federal Communications Commission (FCC)
10. Fair Housing Act
Fair Housing Act - ANSWER - The federal law that prohibits
discrimination in housing based on race, color, religion, sex, handicap,
familial status, and national origin
pg. 2
,Fair Debt Collection Practices Act (FDCPA) - ANSWER - To protect
debtors from unscrupulous debt collectors and to impose a consistent
and fair method to collect debts
Fair Labor Standards Act (FLSA) - ANSWER - Act that regulates
employee status, overtime pay, child labor, minimum wage, record
keeping, and other administrative concerns.
Family and Medical Leave Act (FMLA) - ANSWER - U.S act that
provides employees with up to 12 weeks of unpaid leave to care for
family members or because of a serious health condition of the
employee.
Federal Insurance Contributions Act (FICA) - ANSWER - A federal
system of old-age, survivors, disability and health-care insurance
(Medicare) which requires employers to withhold (or transfer) wages
from employees' paychecks and deposit that money in designated
accounts.
Occupational Safety and Health Administration (OSHA) - ANSWER -
OSHA's mission is to "prevent injuries and protect the health of
America's workers by ensuring safe and healthful workplaces."
Soldiers and Sailors Civil Relief Act - ANSWER - an act that prohibits
foreclosing on property owned by active military personnel known as
the Service Members Civil Relief Act.
U.S. Bankruptcy Code - ANSWER - Regulates how individuals and
businesses can file for bankruptcy. It clarified that associations have the
pg. 3
, authority to collect assessments that come due after the date the
homeowner filed for bankruptcy.
Federal Communications Commission (FCC) - ANSWER - An
independent federal agency that regulates interstate and international
communication by radio, television, telephone, telegraph, cable, and
satellite.
It overrides a community association's deed restriction that bans
satellites dishes and antennae from property that is exclusively used,
controlled or owned by the resident, including tenants.
Under the Fair Housing Act: 55 and Older Communities - ANSWER -
Must have one person who is 55 years of age or older living in at least
80% of its occupied units. If the community is established as a 55 and
over community, it is not violating the Fair Housing Act by excluding
children.
Under the Fair Housing Act: Reasonable
Accommodations/Modifications - ANSWER - The Act's intent was to
allow those with disabilities to have an equal opportunity to use and
enjoy their home. Disability must be under the Fair Housing Act.
What is the difference between Fair Housing Act and ADA? - ANSWER
- The major difference is that under ADA, the association would bear the
cost of the accommodation, while under the Fair Housing Act the person
with the disability would pay for the modifications.
Under the Fair Housing Act: Maintenance - ANSWER - A person with a
disability can sue the association for not maintaining something that they
need due to their disability, i.e. elevator.
pg. 4
TEST BANK| M100 CMCA EXAM REVIEW WITH
COMPLETE 350 REAL EXAM QUESTIONS AND
CORRECT VERIFIED ANSWERS/ ALREADY GRADED
A+ (MOST RECENT!!)
Which of the following is NOT a basic type of residential community
association?
a. Planned community
b. Townhouse
c. Cooperative
d. Condominium - Correct Answer -b. Townhouse.
What defines a community association?
a. Ownership rights
b. Architectural style
c. Local government rules
d. Optional membership - Correct Answer -a. Ownership rights.
Adoption of the annual budget is an example of which of the following
types of resolutions?
a. Policy resolution
b. Administrative resolution
c. Special resolution
d. General resolution - Correct Answer -d. General resolution.
pg. 1
,Where does a community association derive its legal obligations from? -
ANSWER - - Federal, state, and local statutes, regulations, and case law
(court decisions)
- Legal documents unique to the community association that bind the
association and its owners
- Lender requirements - for example, requirements set by secondary
mortgage institutions (FHA, Fannie Mae, Freddie Mac, etc.)
What are the types of Federal Laws applying to community
associations? - ANSWER - 1. Equal Employment Opportunity
Commission (EEOC)
2. Fair Debt Collection Practices Act (FDCPA)
3. Fair Labor and Standards Act (FSLA)
4. Family and Medical Leave Act (FMLA)
5. Federal Insurance Contributions Act (FICA)
6. Occupational Safety and Health Act (OSHA)
7. Soldiers' and Sailors' Civil Relief Act of 1940
8. U.S. Bankruptcy Code
9. Federal Communications Commission (FCC)
10. Fair Housing Act
Fair Housing Act - ANSWER - The federal law that prohibits
discrimination in housing based on race, color, religion, sex, handicap,
familial status, and national origin
pg. 2
,Fair Debt Collection Practices Act (FDCPA) - ANSWER - To protect
debtors from unscrupulous debt collectors and to impose a consistent
and fair method to collect debts
Fair Labor Standards Act (FLSA) - ANSWER - Act that regulates
employee status, overtime pay, child labor, minimum wage, record
keeping, and other administrative concerns.
Family and Medical Leave Act (FMLA) - ANSWER - U.S act that
provides employees with up to 12 weeks of unpaid leave to care for
family members or because of a serious health condition of the
employee.
Federal Insurance Contributions Act (FICA) - ANSWER - A federal
system of old-age, survivors, disability and health-care insurance
(Medicare) which requires employers to withhold (or transfer) wages
from employees' paychecks and deposit that money in designated
accounts.
Occupational Safety and Health Administration (OSHA) - ANSWER -
OSHA's mission is to "prevent injuries and protect the health of
America's workers by ensuring safe and healthful workplaces."
Soldiers and Sailors Civil Relief Act - ANSWER - an act that prohibits
foreclosing on property owned by active military personnel known as
the Service Members Civil Relief Act.
U.S. Bankruptcy Code - ANSWER - Regulates how individuals and
businesses can file for bankruptcy. It clarified that associations have the
pg. 3
, authority to collect assessments that come due after the date the
homeowner filed for bankruptcy.
Federal Communications Commission (FCC) - ANSWER - An
independent federal agency that regulates interstate and international
communication by radio, television, telephone, telegraph, cable, and
satellite.
It overrides a community association's deed restriction that bans
satellites dishes and antennae from property that is exclusively used,
controlled or owned by the resident, including tenants.
Under the Fair Housing Act: 55 and Older Communities - ANSWER -
Must have one person who is 55 years of age or older living in at least
80% of its occupied units. If the community is established as a 55 and
over community, it is not violating the Fair Housing Act by excluding
children.
Under the Fair Housing Act: Reasonable
Accommodations/Modifications - ANSWER - The Act's intent was to
allow those with disabilities to have an equal opportunity to use and
enjoy their home. Disability must be under the Fair Housing Act.
What is the difference between Fair Housing Act and ADA? - ANSWER
- The major difference is that under ADA, the association would bear the
cost of the accommodation, while under the Fair Housing Act the person
with the disability would pay for the modifications.
Under the Fair Housing Act: Maintenance - ANSWER - A person with a
disability can sue the association for not maintaining something that they
need due to their disability, i.e. elevator.
pg. 4
