Free North Carolina Fair Housing Practice Test — LicenseIQ

Question 1

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 2

Complaints under the North Carolina State Fair Housing Act are filed with the:

Accepted Answer

The NC Human Relations Commission receives, investigates, and conciliates fair housing complaints under G.S. 41A-7. NCREC can discipline a broker separately but does not enforce Chapter 41A.

Question 3

A Raleigh broker's buyer asks whether sexual orientation is a protected class under the NC State Fair Housing Act. The best answer is:

Accepted Answer

Chapter 41A lists race, color, religion, sex, national origin, handicapping condition, and familial status. Some local governments have adopted ordinances adding protections, but those are local, not state law.

Question 4

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 5

Which phrase in a North Carolina rental advertisement is most likely to violate fair housing law?

Accepted Answer

Describing the people preferred (age, marital, or family status implications) rather than the property may indicate a preference based on familial status. Accessibility features and no-smoking policies describe the property and rules.

Question 6

A 55-and-older community meets the statutory occupancy and policy requirements. It is exempt from the NC State Fair Housing Act's protections for:

Accepted Answer

Qualifying housing for older persons is exempt only from familial status provisions. It may not discriminate on any other protected basis.

Question 7

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 8

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 9

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 10

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 11

The nondiscrimination provision required in North Carolina agency agreements lists which classes?

Accepted Answer

Commission rules require the broker to conduct brokerage activities without regard to the seven classes that mirror the federal and NC Fair Housing Acts. Age and marital status are not on the list.

Question 12

A complaint under the NC State Fair Housing Act must be filed within:

Accepted Answer

G.S. 41A-7 requires filing within one year of the alleged practice.

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

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 15

Which is a protected class under the North Carolina State Fair Housing Act?

Accepted Answer

Chapter 41A protects race, color, religion, sex, national origin, handicapping condition, and familial status.

Question 16

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 17

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 18

Which rental is exempt from the discrimination prohibitions of the NC State Fair Housing Act?

Accepted Answer

G.S. 41A-6 exempts rentals in buildings with no more than four families living independently when the owner or a family member occupies a unit. Involving a broker or advertising removes protection in practice.

Question 19

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 20

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 21

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 22

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 23

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 24

Through the administrative process, the maximum civil penalty for a first violation of the NC State Fair Housing Act is:

Accepted Answer

G.S. 41A-7(l) allows up to $10,000 for a first violation, up to $25,000 with one prior violation within five years, and up to $50,000 with two or more prior violations within seven years.

Question 25

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.

North Carolina real estate fair housing practice test

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

2. Complaints under the North Carolina State Fair Housing Act are filed with the:

3. A Raleigh broker's buyer asks whether sexual orientation is a protected class under the NC State Fair Housing Act. The best answer is:

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

5. Which phrase in a North Carolina rental advertisement is most likely to violate fair housing law?

6. A 55-and-older community meets the statutory occupancy and policy requirements. It is exempt from the NC State Fair Housing Act's protections for:

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

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

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

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

11. The nondiscrimination provision required in North Carolina agency agreements lists which classes?

12. A complaint under the NC State Fair Housing Act must be filed within:

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

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

15. Which is a protected class under the North Carolina State Fair Housing Act?

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

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

18. Which rental is exempt from the discrimination prohibitions of the NC State Fair Housing Act?

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

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

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

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

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

24. Through the administrative process, the maximum civil penalty for a first violation of the NC State Fair Housing Act is:

25. 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:

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