Free Connecticut Fair Housing Practice Test — LicenseIQ

Question 1

A landlord declines to rent to an unmarried man and woman living together. Under §46a-64c, this:

Accepted Answer

§46a-64c(b) states that the marital status provision does not prohibit refusing to rent to a man and a woman who are both unrelated and unmarried to each other.

Question 2

A licensee's ad says 'perfect for a single professional.' The licensee had no intent to discriminate. Under Connecticut law:

Accepted Answer

Under §46a-64c(a)(3), as interpreted by the Connecticut Supreme Court (343 Conn. 31), a discriminatory statement does not require intent; the test is how a reasonable listener would understand it.

Question 3

An owner lives in one unit of her four-family building. For which protected class may she lawfully refuse to rent another unit?

Accepted Answer

§46a-64c(b) excludes from the familial status prohibition a building of no more than four families where the owner lives in one unit. The general owner-occupied exemption reaches only two-family buildings, so other classes remain protected.

Question 4

The federal Fair Housing Act (1968) protects all of the following EXCEPT:

Accepted Answer

Federal protected classes: race, color, religion, national origin, sex, disability and familial status - not occupation.

Question 5

Which of the following is a protected class under Connecticut's discriminatory housing practices law?

Accepted Answer

§46a-64c(a)(1) bars refusing to sell or rent because of status as a victim of domestic violence, among other classes. Occupation, politics, and smoking are not protected classes.

Question 6

A building has a no-pets policy. An applicant who is blind has a guide dog. The property manager must:

Accepted Answer

Fair housing law requires reasonable accommodations for persons with disabilities, including service animals despite no-pet rules.

Question 7

A lender's refusal to make loans in certain neighborhoods based on demographics is:

Accepted Answer

Redlining is denying loans or services to areas based on protected characteristics rather than the borrower's qualifications.

Question 8

The 'Mrs. Murphy' exemption under the federal Fair Housing Act applies to an owner who:

Accepted Answer

The exemption covers owner-occupied 1-4 unit buildings rented without a broker and never permits discriminatory advertising.

Question 9

Which class is protected under Connecticut's housing discrimination law but not under the federal Fair Housing Act?

Accepted Answer

§46a-64c protects lawful source of income (along with marital status, age, gender identity or expression, and veteran status, among others). Race, familial status, and national origin are federally protected too.

Question 10

A person who believes she suffered housing discrimination under the federal Fair Housing Act may file a complaint with HUD within:

Accepted Answer

HUD complaints must be filed within one year; a federal civil suit may be filed within two years.

Question 11

Refusing to rent to a family with children generally violates which protected class?

Accepted Answer

Familial status (households with children under 18, pregnant women) is protected under the federal Fair Housing Act. Marital status is protected under NJ LAD but not federal law.

Question 12

Inducing owners to sell by suggesting people of a protected class are moving in is:

Accepted Answer

Blockbusting (panic peddling) is illegal under the Fair Housing Act.

Question 13

A religious organization operating housing for non-commercial purposes may give preference to members of its own religion, but it may NOT:

Accepted Answer

Religious organizations and private clubs have partial exemptions, but cannot discriminate on other protected classes, and the religion itself cannot restrict membership by race, color or national origin.

Question 14

Directing buyers toward or away from neighborhoods based on protected class is:

Accepted Answer

Steering is illegally guiding people to or from areas based on a protected characteristic. Blockbusting induces panic selling; redlining is a lending practice.

Question 15

Which Article of the NAR Code of Ethics requires REALTORS not to deny equal professional services or discriminate on protected characteristics?

Accepted Answer

Article 10 addresses equal professional services and fair housing. Article 1 covers duties to clients, Article 3 cooperation and Article 17 arbitration.

Question 16

A developer's ads for a new subdivision always show only people of one race. This may be:

Accepted Answer

Consistently depicting only one race, sex or family type can indicate a preference and violate fair housing advertising rules.

Question 17

A private individual selling her own single-family home may be exempt from the federal Fair Housing Act if she owns no more than three homes and:

Accepted Answer

The single-family owner exemption requires no broker and no discriminatory advertising. Race discrimination is never exempt under the 1866 Civil Rights Act.

Question 18

Under the Housing for Older Persons Act, a '55 and older' community generally requires that:

Accepted Answer

55+ housing requires at least 80% of occupied units to have one resident 55+; 62+ housing requires all residents to be 62+. The exemption applies only to familial status.

Question 19

May the §20-325d(b) agency and fair housing disclosures be delivered electronically?

Accepted Answer

§20-325d(b) expressly permits these disclosures to be delivered electronically.

Question 20

Which ad phrase is most likely to violate fair housing advertising rules?

Accepted Answer

References that exclude or prefer protected classes, such as familial status ('no kids'), are discriminatory. Describe the property, not the desired buyer or tenant.

Question 21

Which party is protected from liability for failing to disclose a nonmaterial fact under §20-329dd?

Accepted Answer

§20-329dd(b) provides that no cause of action arises against the owner, the owner's agent, or any agent of the transferee, so the buyer's agent is protected too.

Question 22

A listing where the seller may sell themselves without owing commission, but only the listing broker among agents is protected, is:

Accepted Answer

In an exclusive agency listing, the seller pays no commission on a self-sale, but the listing broker is protected if any broker sells it. (Reclassified to section 6 / CORE.)

Question 23

In a residential transaction, what additional information must a licensee provide to a prospective party under §20-325d?

Accepted Answer

§20-325d(b)(2) requires fair housing information in residential transactions: a description of federal and state fair housing laws, protected classes, and sources of further information and resources.

Question 24

Which rental is exempt from Connecticut's general prohibitions on housing discrimination?

Accepted Answer

§46a-64c(b) exempts a unit in a building of no more than two households where the owner lives in the other unit, and a room in an owner-occupied single-family home. The four-unit owner-occupied exemption applies only to familial status.

Question 25

The Equal Credit Opportunity Act prohibits lenders from discriminating on the basis of all of the following EXCEPT:

Accepted Answer

ECOA protects race, color, religion, national origin, sex, marital status, age and receipt of public assistance. Creditworthiness factors such as credit history may be considered.

Connecticut real estate fair housing practice test

1. A landlord declines to rent to an unmarried man and woman living together. Under §46a-64c, this:

2. A licensee's ad says 'perfect for a single professional.' The licensee had no intent to discriminate. Under Connecticut law:

3. An owner lives in one unit of her four-family building. For which protected class may she lawfully refuse to rent another unit?

4. The federal Fair Housing Act (1968) protects all of the following EXCEPT:

5. Which of the following is a protected class under Connecticut's discriminatory housing practices law?

6. A building has a no-pets policy. An applicant who is blind has a guide dog. The property manager must:

7. A lender's refusal to make loans in certain neighborhoods based on demographics is:

8. The 'Mrs. Murphy' exemption under the federal Fair Housing Act applies to an owner who:

9. Which class is protected under Connecticut's housing discrimination law but not under the federal Fair Housing Act?

10. A person who believes she suffered housing discrimination under the federal Fair Housing Act may file a complaint with HUD within:

11. Refusing to rent to a family with children generally violates which protected class?

12. Inducing owners to sell by suggesting people of a protected class are moving in is:

13. A religious organization operating housing for non-commercial purposes may give preference to members of its own religion, but it may NOT:

14. Directing buyers toward or away from neighborhoods based on protected class is:

15. Which Article of the NAR Code of Ethics requires REALTORS not to deny equal professional services or discriminate on protected characteristics?

16. A developer's ads for a new subdivision always show only people of one race. This may be:

17. A private individual selling her own single-family home may be exempt from the federal Fair Housing Act if she owns no more than three homes and:

18. Under the Housing for Older Persons Act, a '55 and older' community generally requires that:

19. May the §20-325d(b) agency and fair housing disclosures be delivered electronically?

20. Which ad phrase is most likely to violate fair housing advertising rules?

21. Which party is protected from liability for failing to disclose a nonmaterial fact under §20-329dd?

22. A listing where the seller may sell themselves without owing commission, but only the listing broker among agents is protected, is:

23. In a residential transaction, what additional information must a licensee provide to a prospective party under §20-325d?

24. Which rental is exempt from Connecticut's general prohibitions on housing discrimination?

25. The Equal Credit Opportunity Act prohibits lenders from discriminating on the basis of all of the following EXCEPT:

Sources