New York Disclosure

# New York Disclosure: Practice & Fair Housing Understanding New York's fair housing protections and disclosure obligations is critical for the exam — this topic represents roughly 12% of the state section, and the exam frequently tests the specific New York additions to federal law, the nuances of the PCDS, and newer laws like the FARE Act. --- ## The Federal Foundation vs. New York's Broader Protections The Federal Fair Housing Act prohibits discrimination based on 7 protected classes: 1. Race 2. Color 3. National Origin 4. Religion 5. Sex 6. Familial Status 7. Disability (Handicap) New York goes significantly further. Know this table cold: | Layer | Protected Classes Added | |---|---| | NY Human Rights Law (Executive Law Art. 15) | Creed, Age (18+), Sexual Orientation, Gender Identity, Marital Status, Military Status, Citizenship/Immigration Status *(added Dec. 2022)* | | NYC Administrative Code | Source of Income, Partnership Status, Criminal History *(Fair Chance Housing Act, eff. Jan. 1, 2025)* | > Key point: NY's protections stack *on top of* federal law. The exam will test whether you know which level applies. --- ## Prohibited Conduct: The Big Three These are defined practices that violate fair housing law: - Steering — Directing buyers or renters toward or away from neighborhoods based on protected characteristics (e.g., showing a family of color only homes in certain neighborhoods). - Blockbusting — Inducing homeowners to sell by suggesting that members…