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HUD Housing Counseling Exam/ 251 Q&A/ A+ Score Solution

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HUD Housing Counseling Exam/ 251 Q&A/ A+ Score Solution Civil Rights Act of 1866 - Answer: Federal law granting citizenship to former slaves; passed over Johnson's veto. (Race and Color) Fair Housing Act of 1968 - Answer: banned discrimination in the rental or sale of housing (Race, color, re...

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  • 23 de noviembre de 2024
  • 54
  • 2024/2025
  • Examen
  • Preguntas y respuestas

Temas

  • hud housing counseling

Escuela, estudio y materia

  • HUD Housing Counseling
  • HUD Housing Counseling

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HUD Housing Counseling Exam/ 251 Q&A/ A+
Score Solution
Civil Rights Act of 1866 - Answer: Federal law granting citizenship to former slaves;
passed over Johnson's veto. (Race and Color)


Fair Housing Act of 1968 - Answer: banned discrimination in the rental or sale of
housing (Race, color, religion, national origin)


Housing and Community Development Act of 1974 - Answer: added gender (sex)
to the protected classes


Fair Housing Amendments Act of 1988 - Answer: Added Disability and familial
status to protected classes.


Page 1 of 54

,Real Estate Settlement and procedures Act RESPA - Answer: Requires lenders and
brokers to ensure that applicants understand the terms and fees of the mortgage
transaction that they are considering


Home Mortgage Disclosure Act (HMDA) - Answer: Requires financial institutions
to maintain and annually disclose date about home purchases, home purchase
pre-approvals, home improvements and refinance applications involving 1 to 4
unit and multifamily dwellings


Electronic Communications Privacy Act - Answer: Prohibits persons from
tampering with computers or accessing certain computerized records without
authorizations. The Act also prohibits providers of electronic communications
services from disclosing the contents of stored communications.


Community Reinvestment Act CRA - Answer: A congressional act that encourages
mortgage originators to actively lend in their communities and that requires
financial institutions to evaluate the "fairness" of their lending practices.


Restricts the collection and use of information that would result in housing
discrimination on the basis of race, sex, religion, national origin and a variety of
other factors. - Answer: Fair Housing Act


Prohibits discrimination by direct providers of housing, such as landlords and real
estate companies as well as other entities, such as municipalities, banks of other

Page 2 of 54

,lending institutions and homeowners insurance companies whose discriminatory
practices make housing unavailable to persons because of: Race or Color, Religion,
Sex/Gender, National Origin, Familial Status, Disability.. - Answer: Fair Housing
Statute


Opens up services and employment opportunities to the 43 million Americans
with disabilities. - Answer: Americans with Disabilities Act ADA


Protects consumers from abusive, unfair, and deceptive practices by third-party
debt collectors. - Answer: Fair Debt Collection Practices Act FDCPA


Prohibits credit discrimination on the basis of race, color, religion, national origin,
sex, marital status, age, or because you get public assistance. - Answer: Equal
Credit Opportunity act ECOA


Restrictions collections of use of information that would result in employment
discrimination on the basis of race, sex, religion, national origin and a variety of
other characteristics. - Answer: Equal Employment Opportunity Act EEOC


Mandates that personal data be collected as much as possible directly from the
record subject. - Answer: Privacy Act


Requires each of the nationwide consumer reporting companies: Equifax,
Experian, and Transunion to provide you with a free copy of your credit report, at



Page 3 of 54

, your request, one every 12 months - Answer: The Fair and Accurate Credit
Transactions Act FACTA


Prevents identity theft, improve resolution of consumer disputes, improve the
accuracy of consumer records, make improvements in the use of, and consumer
access to, credit information, and for other purposes. - Answer: The Fair Credit
Billing Act FCBA


Applies to "open end" credit accounts, such as credit cards, and revolving charge
accounts - such as department store accounts. - Answer: Fair Credit Reporting Act
FCRA


Prohibits opening of mail without a search warrant or the addressee's consent -
Answer: Mail Privacy Statute


Amends the Truth in Lending Act (TILA) and establishes requirements for certain
loans with high rates and/or high fees - Answer: Home Ownership and Equity
Protection Act HOEPA


All of the following would help a counselor develop a realistic household budget,
except:


- Payment information for a paid-off car
- Amount spent on groceries
- Rent payment information

Page 4 of 54

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