Free Rhode Island Fair Housing Practice Test — LicenseIQ

Question 1

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 2

A respondent adjudged to have committed one other discriminatory housing practice in the prior five years faces a civil penalty of up to:

Accepted Answer

The tiers are up to $10,000 (no prior), $25,000 (one prior in five years), and $50,000 (two or more in seven years).

Question 3

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 4

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 5

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 6

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 7

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 8

Within what time must a fair housing charge be filed with the Commission for Human Rights?

Accepted Answer

A sworn written charge must be filed within one year.

Question 9

Which agency enforces Rhode Island's Fair Housing Practices Act?

Accepted Answer

The Act defines the commission as the Rhode Island Commission for Human Rights. DBR can separately discipline licensees for violations.

Question 10

Of a Rhode Island licensee's required continuing education, how many hours must be in fair housing?

Accepted Answer

At least three hours must cover fair housing. Nine is the total CORE requirement, which includes the three fair housing hours.

Question 11

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 12

A landlord rejects an applicant because she obtained a protective order against an abusive ex-partner. Under Rhode Island law, this is:

Accepted Answer

Section 34-37-4 bars treating an applicant differently because of domestic abuse victim status or seeking a protective order.

Question 13

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 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

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 16

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 17

Which class is protected by the Rhode Island Fair Housing Practices Act but not by the federal Fair Housing Act?

Accepted Answer

Rhode Island adds lawful source of income, sexual orientation, gender identity or expression, marital status, military status, age, and domestic abuse victim status, among others.

Question 18

Under the Rhode Island Fair Housing Practices Act, 'age' means:

Accepted Answer

Section 34-37-3 defines age as over 18 years old. Forty is the employment-law threshold.

Question 19

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 20

A licensee completes 24 CE hours: 3 in fair housing, 4 in Rhode Island license law, and 17 in social media marketing (an approved elective). Does this satisfy rule 2.30?

Accepted Answer

At least 9 of the 24 hours must be CORE subjects; here only 7 are. Totaling 24 is not enough when the CORE minimum is missed.

Question 21

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 22

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 23

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 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 landlord refuses all applicants who would use a Section 8 Housing Choice Voucher. Under Rhode Island law, this is:

Accepted Answer

Lawful source of income expressly includes Section 8 Housing Choice Vouchers.

Rhode Island real estate fair housing practice test

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

2. A respondent adjudged to have committed one other discriminatory housing practice in the prior five years faces a civil penalty of up to:

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

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

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

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

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

8. Within what time must a fair housing charge be filed with the Commission for Human Rights?

9. Which agency enforces Rhode Island's Fair Housing Practices Act?

10. Of a Rhode Island licensee's required continuing education, how many hours must be in fair housing?

11. 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:

12. A landlord rejects an applicant because she obtained a protective order against an abusive ex-partner. Under Rhode Island law, this is:

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

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

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

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

17. Which class is protected by the Rhode Island Fair Housing Practices Act but not by the federal Fair Housing Act?

18. Under the Rhode Island Fair Housing Practices Act, 'age' means:

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

20. A licensee completes 24 CE hours: 3 in fair housing, 4 in Rhode Island license law, and 17 in social media marketing (an approved elective). Does this satisfy rule 2.30?

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

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

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

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

25. A landlord refuses all applicants who would use a Section 8 Housing Choice Voucher. Under Rhode Island law, this is:

Sources