Free Ohio Fair Housing Practice Test — LicenseIQ

Question 1

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 2

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 3

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 4

Which prelicensing course must include instruction on municipal, state, and federal civil rights law, housing discrimination, and desegregation?

Accepted Answer

ORC 4735.09(F)(6)(b) requires the 40-hour Ohio real estate law course to include civil rights law, housing discrimination case law, desegregation problems, and remedies for past discrimination.

Question 5

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 6

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 7

Every Ohio written agency agreement must include which fair housing element?

Accepted Answer

ORC 4735.55 requires the fair housing statement, blockbusting definition, and a copy of the HUD equal housing opportunity logotype.

Question 8

An Ohio licensee is found to have committed a second discriminatory practice violation. What must the Real Estate Commission impose?

Accepted Answer

ORC 4735.18(A)(7) requires, for a second violation, suspension of at least two months or revocation; for any subsequent violation, revocation.

Question 9

How long must an Ohio licensee keep the seller's signed anti-discrimination disclosure if the home sells?

Accepted Answer

ORC 4735.80(B) requires retention for at least three years after closing (or three years after the listing ends if no sale occurs, per OAC 1301:5-6-11).

Question 10

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 11

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 12

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 13

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 14

Which class is protected under Ohio's fair housing law but NOT under the federal Fair Housing Act?

Accepted Answer

ORC 4112.02(H) adds military status and ancestry to the federal seven classes. Familial status, disability, and national origin are federal classes too.

Question 15

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 16

Within what period must a housing discrimination charge be filed with the Ohio Civil Rights Commission?

Accepted Answer

ORC 4112.05(B)(1) requires housing charges (division (H) practices) to be filed in writing under oath within one year. Two years applies to employment charges under ORC 4112.051.

Question 17

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 18

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 19

For a licensee's first discriminatory practice violation, what is required before the Commission may discipline under ORC 4735.18(A)(7)?

Accepted Answer

ORC 4735.18(A)(7) conditions discipline for a first violation on a final court adjudication that the licensee violated civil rights law in a real estate matter.

Question 20

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 21

Which list contains only classes protected by Ohio's housing discrimination law?

Accepted Answer

Ohio protects race, color, religion, sex, military status, familial status, ancestry, disability, and national origin. Source of income, age, marital status, and political affiliation are not statewide housing classes, though some cities protect some of them.

Question 22

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 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

Under ORC 4735.80, before what action must an Ohio licensee obtain the seller's signed anti-discrimination disclosure?

Accepted Answer

ORC 4735.80(B) and OAC 1301:5-6-11 bar marketing, advertising, showing, or offering the property until the seller has received the form and returned a signed, dated copy.

Question 25

How many protected classes does Ohio's housing discrimination law list?

Accepted Answer

ORC 4112.02(H) lists nine: race, color, religion, sex, military status, familial status, ancestry, disability, and national origin.

Ohio real estate fair housing practice test

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

2. 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:

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

4. Which prelicensing course must include instruction on municipal, state, and federal civil rights law, housing discrimination, and desegregation?

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

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

7. Every Ohio written agency agreement must include which fair housing element?

8. An Ohio licensee is found to have committed a second discriminatory practice violation. What must the Real Estate Commission impose?

9. How long must an Ohio licensee keep the seller's signed anti-discrimination disclosure if the home sells?

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

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

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

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

14. Which class is protected under Ohio's fair housing law but NOT under the federal Fair Housing Act?

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

16. Within what period must a housing discrimination charge be filed with the Ohio Civil Rights Commission?

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

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

19. For a licensee's first discriminatory practice violation, what is required before the Commission may discipline under ORC 4735.18(A)(7)?

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

21. Which list contains only classes protected by Ohio's housing discrimination law?

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

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

24. Under ORC 4735.80, before what action must an Ohio licensee obtain the seller's signed anti-discrimination disclosure?

25. How many protected classes does Ohio's housing discrimination law list?

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