HUD Certification Exam Questions and
Answers
1. Legally enforceable terms that govern the use of real estate: Deed
Restrictions
2. The practice of refusing to make residential loans or imposing
more onerous terms on any loans made because of the predominant
race, color, national origin, religion, sex, disability, or familial status
of the area's residents.: Redlining
3. Following the assassination of Dr. Martin Luther King Jr., Congress
passed what monumental piece of legislation, which prohibits
discrimination in housing sales, rentals, and financing based on
race, color, national origin, religion, sex, disability and familial status?:
Civil Rights Act of 1968
4. The Fair Housing Act, as amended, protects how many
characteristics?: 7
5. A property manager of an apartment complex that receives
federal financial assistance installs a ramp so that a tenant in a
wheelchair can easily access her first-floor apartment.: Reasonable
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18
,Modification
6. Housing provider has a policy of requiring tenants to come to the
rental office to pay their rent. A tenant with a mental disability, who
is afraid to leave her unit, is allowed to mail her rent payment.:
Reasonable Accommodation
7. The Fair Housing Act does not prohibit a lender from showing
potential clients information about different loans.: True
8. Provides annual funding to state and local agencies that enforce
fair housing laws that are substantially equivalent to the Fair
Housing Act. These funds go towards an agency's capacity building,
administrative costs, investigative and enforcement efforts, training
and other projects designed to support enforce- ment of fair housing
law.: Fair Housing Assistance Program (FHAP)
9. Provides funding to fair housing organizations and nonprofits that
assist people who may have been victims of housing discrimination.: Fair
Housing Initiatives Program (FHIP)
10. Aim is to identify groups of people who would benefit most if
targeted by the campaign, the characteristics of these people, and
their expectations.: Marketing Analysis
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18
, 11. The opportunity to increase awareness of the plans and
actions of hous- ing industry members, private organizations and
foundations, public housing agencies, neighborhood groups,
regional organizations, and others to further fair housing objectives.:
Networking Event
12. The section of the credit report that contains employer details.:
Personal Informa- tion
13. The section of a credit report that contains information
about a student loan.: Account Information
14. The section of the credit report that contains court
information such as a bankruptcy.: Public Records
15. The section of the credit report that will show recent
attempts to open a credit card.: Inquiries
16. The section of the credit report that contains information
about how to correct inaccuracies.: Consumer Rights
17. Credit: Payment history of accounts, including late payments,
delinquencies, judgments, and liens.: Account History
3/
18
Answers
1. Legally enforceable terms that govern the use of real estate: Deed
Restrictions
2. The practice of refusing to make residential loans or imposing
more onerous terms on any loans made because of the predominant
race, color, national origin, religion, sex, disability, or familial status
of the area's residents.: Redlining
3. Following the assassination of Dr. Martin Luther King Jr., Congress
passed what monumental piece of legislation, which prohibits
discrimination in housing sales, rentals, and financing based on
race, color, national origin, religion, sex, disability and familial status?:
Civil Rights Act of 1968
4. The Fair Housing Act, as amended, protects how many
characteristics?: 7
5. A property manager of an apartment complex that receives
federal financial assistance installs a ramp so that a tenant in a
wheelchair can easily access her first-floor apartment.: Reasonable
1/
18
,Modification
6. Housing provider has a policy of requiring tenants to come to the
rental office to pay their rent. A tenant with a mental disability, who
is afraid to leave her unit, is allowed to mail her rent payment.:
Reasonable Accommodation
7. The Fair Housing Act does not prohibit a lender from showing
potential clients information about different loans.: True
8. Provides annual funding to state and local agencies that enforce
fair housing laws that are substantially equivalent to the Fair
Housing Act. These funds go towards an agency's capacity building,
administrative costs, investigative and enforcement efforts, training
and other projects designed to support enforce- ment of fair housing
law.: Fair Housing Assistance Program (FHAP)
9. Provides funding to fair housing organizations and nonprofits that
assist people who may have been victims of housing discrimination.: Fair
Housing Initiatives Program (FHIP)
10. Aim is to identify groups of people who would benefit most if
targeted by the campaign, the characteristics of these people, and
their expectations.: Marketing Analysis
2/
18
, 11. The opportunity to increase awareness of the plans and
actions of hous- ing industry members, private organizations and
foundations, public housing agencies, neighborhood groups,
regional organizations, and others to further fair housing objectives.:
Networking Event
12. The section of the credit report that contains employer details.:
Personal Informa- tion
13. The section of a credit report that contains information
about a student loan.: Account Information
14. The section of the credit report that contains court
information such as a bankruptcy.: Public Records
15. The section of the credit report that will show recent
attempts to open a credit card.: Inquiries
16. The section of the credit report that contains information
about how to correct inaccuracies.: Consumer Rights
17. Credit: Payment history of accounts, including late payments,
delinquencies, judgments, and liens.: Account History
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18
