Fair Housing

Fair Housing — Agency & Disclosure (Chapter 2.3) Fair housing is a guaranteed exam topic that tests both your knowledge of the federal protected classes and the specific prohibited practices agents must avoid — expect at least 2–4 questions on this material. --- ## Why This Matters on the Exam Fair housing questions test whether you can identify illegal conduct, know *who* enforces the law and *when*, and understand the special rules for disability accommodations. Getting these wrong is easy because the exam loves disguised violations and enforcement deadline mix-ups. --- ## The Federal Fair Housing Act — Seven Protected Classes The federal Fair Housing Act prohibits discrimination in the sale, rental, or financing of housing based on seven protected classes. A common memory device is "RCNRSDF" or simply the phrase *"Race, Color, and five more."* | # | Protected Class | Notes | |---|---|---| | 1 | Race | Absolute — no exceptions ever | | 2 | Color | Skin tone; distinct from race | | 3 | National Origin | Country of birth or ancestry | | 4 | Religion | Any faith or lack thereof | | 5 | Sex | Includes gender-based discrimination | | 6 | Disability | Physical or mental impairment | | 7 | Familial Status | Families with children under 18; pregnant women | > Tennessee note: These seven federal classes apply in Tennessee. State enforcement is handled by the Tennessee Human Rights Commission (THRC). Federal enforcement is handled by HUD. --- ## Four Core Prohibited Practices Every exam will test at least one of these practices. Know them by name and by example. ### Steering Directing a buyer *toward…