Free New Jersey Fair Housing Practice Test — LicenseIQ

Question 1

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 2

Under the NJ LAD, a tenant with a disability who uses an emotional support animal:

Accepted Answer

Assistance animals include untrained emotional support animals. No extra fee may be charged, though the person must keep the animal in custody and is liable for damage.

Question 3

Under NJ LAD, refusing to rent based on a tenant's lawful source of income (e.g., a housing voucher) is:

Accepted Answer

NJ LAD prohibits discrimination based on source of lawful income or rent payment, including Section 8 vouchers, child support and alimony.

Question 4

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 5

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 6

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 7

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.

Question 8

A homeowner renting one bedroom in her own home tells her broker she will only accept female applicants. Under the LAD:

Accepted Answer

Leasing part of one's own residence is exempt for the owner, but real estate licensees are not exempt and may not handle such a discriminatory rental.

Question 9

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 10

The New Jersey Law Against Discrimination (LAD) is enforced by the:

Accepted Answer

The LAD (N.J.S.A. 10:5) is enforced by the NJ Division on Civil Rights (DCR). HUD enforces the federal Fair Housing Act.

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

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 13

A 70-year-old owner refuses to rent his apartment to a couple with a child because children are noisy. The building is not senior housing. Under the LAD this is:

Accepted Answer

Although the LAD does not prohibit age discrimination in housing, it prohibits discrimination against families with children under 18. Only qualified 55+/62+ housing may exclude children.

Question 14

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 15

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 16

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 17

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 18

A lease clause stating that the lease becomes void upon the birth of a child to the tenant is:

Accepted Answer

The LAD prohibits refusing to rent to families with children and including clauses that void agreements upon the birth of a child (except in housing for older persons).

Question 19

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 20

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 21

Unlike the federal Fair Housing Act, the NJ Law Against Discrimination applies to:

Accepted Answer

The LAD applies to all real estate transactions, residential and commercial, while the federal FHA addresses only residential housing.

Question 22

A NJ licensee shows white buyers homes without requiring preapproval but requires Asian buyers to prove they can afford their price range. This is:

Accepted Answer

Applying different requirements based on a protected class is differential treatment, illegal under the LAD even if each requirement seems neutral.

Question 23

A person who believes she was discriminated against under the LAD may file a complaint with the Division on Civil Rights within:

Accepted Answer

DCR complaints must be filed within 180 days of the alleged violation; a court action may be filed within two years.

Question 24

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 25

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.

New Jersey real estate fair housing practice test

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

2. Under the NJ LAD, a tenant with a disability who uses an emotional support animal:

3. Under NJ LAD, refusing to rent based on a tenant's lawful source of income (e.g., a housing voucher) is:

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

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

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

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

8. A homeowner renting one bedroom in her own home tells her broker she will only accept female applicants. Under the LAD:

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

10. The New Jersey Law Against Discrimination (LAD) is enforced by the:

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

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

13. A 70-year-old owner refuses to rent his apartment to a couple with a child because children are noisy. The building is not senior housing. Under the LAD this is:

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

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

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

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

18. A lease clause stating that the lease becomes void upon the birth of a child to the tenant is:

19. 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:

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

21. Unlike the federal Fair Housing Act, the NJ Law Against Discrimination applies to:

22. A NJ licensee shows white buyers homes without requiring preapproval but requires Asian buyers to prove they can afford their price range. This is:

23. A person who believes she was discriminated against under the LAD may file a complaint with the Division on Civil Rights within:

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

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

Sources