About Course
DC Fair Housing
This course fulfills 3 hours of Continuing Education credit in the District of Columbia. It is designed for licensed real estate professionals practicing in the unique environment of Washington, DC.
This is a live Zoom class. The class runs for 3 hours in length.
Recurring every Wednesday at 5:00 pm in August
October
You should receive a Zoom link via email the day before the class. Make sure to check your spam folder. Please email us at AcademyPureBlackwood@Gmail.com if you do not receive it.
Course Content
Welcome to Unit 1: Course Introduction: DC Fair Housing; Lesson 1: An Orientation to Your Online Learning Environment
Introduction & Objectives
As a real estate professional, you know that following federal and state fair housing laws is essential to creating a respectable, successful real estate practice. Fair housing laws are designed to ensure that qualified renters and homebuyers receive fair and equal treatment, and it is up to you to ensure that your business adheres to those laws and that discriminatory behavior is not tolerated. The purpose of this course is to deepen your knowledge on the core concepts of fair housing in the District of Columbia, and also to inform you of the latest developments and controversies regarding the application of fair housing theory in conducting real estate business. Throughout this course, we will explore how federal fair housing laws have evolved over time to become what they are today. We will also take a look at how DC laws support and expand upon those federal laws. We'll discuss each federally and DC-recognized protected class. Finally, we will look at several recent case studies that illustrate the consequences of discriminatory behavior.
Objectives
Identify federal fair housing laws and the protected classes/traits and lending laws.
Describe DC Human Rights Act housing laws and its protected classes/traits and initiatives, as well as prohibited activities and punitive damages.
Explain the enforcement provisions and penalties for violations and how to file fair housing complaints.
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Lesson 2: Your DC Fair Housing Course
Welcome to Unit 2: Review of Laws and Basics of Fair Housing
Introduction & Objectives
Fair housing isn't a new subject to you, or to any of today's real estate professionals. You learned about it in your pre-license education, and since then, you've probably encountered fair housing situations in big and small ways in the real world. This course is designed as a refresher to remind you of the laws you learned about during your pre-license education, and to keep fair housing practices and procedures at the forefront of your mind in every interaction you have in your career. We'll start with a review of federal fair housing laws, the federally protected classes, and the federal requirements regarding the handling of fair housing cases.
Objectives
Recall the federal fair housing laws and their requirements.
Identify the seven federally protected classes under the federal fair housing laws.
Recall the importance of following the fair housing laws in advertising.
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Lesson 1: Equal Opportunity in Housing
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A Court’s Fateful Decision
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Title VIII of the Civil Rights Act
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Seven Days
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The Fair Housing Act
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The Fair Housing Act: Seven Protected Classes
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Expansion of Fair Housing Law
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Protections for the Disabled
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The Impact of Laws and Executive Orders on Fair Housing
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Lesson 3: Fair Lending Practices Regulated by Federal Law
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Beyond the ECOA
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Predatory Lending’s Negative Impact
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Hallmarks of Predatory Lending
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Case Study: First Alliance Mortgage Company
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Subprime Lending Market
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Borrower’s Ability to Repay
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Credit Over-Extension
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Excessive Fees Financed
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Higher Interest Fees
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Home Improvement Scams
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Identifying the Predators
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Lesson 4: Federally Protected Classes, Requirements, and Compliance
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Protected Class: Color
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Protected Class: National Origin
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Protected Class: Religion
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Protected Class: Sex
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Protected Class: Familial Status
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Protected Class: Disability
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Housing Accommodations and Modifications
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After the Modification
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Lesson 5: Exceptions to the Fair Housing Act
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Renters
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Housing for Age 55+ Residents
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Determining Discriminatory Practices
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Housing Owned by Religious Organizations
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Legal Advertisements for Housing
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Criminals and Individuals Posing a Danger to Others
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FSBOs
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Individuals with Disabilities Posing Significant Danger to Others
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Scenario: What’s an Appropriate, and Legal, Response?
Welcome to Unit 3: DC Human Rights Act
Introduction & Objectives
As you know, the federal fair housing laws are only a part of the fair housing regulations that a DC real estate professional needs to know and follow. The DC Human Rights Act of 1977 is another strict set of laws that apply only to the District of Columbia. The DC Human Rights Act prohibits discrimination in employment, public accommodations, and housing based on 20 protected traits. However, this set of laws prohibits discrimination in housing based on only 18 of those protected traits. Those 18 traits are the ones you'll need to know, because they are the ones that apply to fair housing. In this unit, we will refresh your memory regarding the principles and practices established by the DC Human Rights Act, the protected traits under this law, and the specific procedures a DC real estate licensee must know to safely practice real estate, along with the local code of ethics requirements.
Objectives
Recall the 18 protected traits on which housing discrimination is prohibited in DC
Identify unlawful discriminatory practices under the DC Human Rights Act.
Recall the exceptions to the DC Human Rights Act.
Recall the Code of Ethics’ scope of practice for real estate professionals.
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Lesson 1: DC Human Rights Act
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What the DC Human Rights Act Covers
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23 Protected Traits
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Housing and 20 Protected Traits
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Protected Trait Not Applicable to Housing Discrimination
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Lesson 2: DC Human Rights Act – Protected Traits
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Protected Trait: Disability
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Protected Trait: Sex
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Protected Traits: Age, Marital Status, Family Responsibilities
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Protected Trait: Familial Status
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Reasonable Occupancy Restrictions
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Over the Limit?
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Has Larry the Landlord Changed His Ways?
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Status as Victim of an Intrafamily Offense
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Protections for Victims of Intra-family Offenses
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Unlawful Discriminatory Practices Prohibited
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Housing Providers Have Additional Responsibilities
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Lesson 4: DC Human Rights Act – Additional Protected Traits Continued
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LGBT Housing Initiative
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Unlawful Discrimination
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Personal Appearance, Sealed Eviction Record
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Political Affiliation, Source of Income, Matriculation, Place of Residence/Business, Homelessness
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DC Human Rights Act Exemptions
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Definition Difference
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Lesson 5: DC Fair Housing Prohibited Actions
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Additional Unlawful Discriminatory Practices
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Discriminatory Notices and Advertising
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You Be the Judge
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Unlawful Discrimination Based on a Disability
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Source of Income
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Punitive Damages
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Was an Unlawful Discriminatory Act Committed?
Lesson 6: DC Human Rights Act – Coercion, Threats, and Retaliation
Coercion, Threats, and Retaliation Are Unlawful Practices
The DC Human Rights Act states that it is an unlawful discriminatory practice to coerce, threaten, retaliate against, or interfere with any person:
Exercising or enjoying any right that person has that is granted or protected under the DC Human Rights Act
Because that person has exercised or enjoyed any right granted or protected under the DC Human Rights Act
Because that person helped or encouraged another person to exercise or enjoy any right granted or protected under the DC Human Rights Act
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Coercion, Threats, and Retaliation Are Unlawful Practices
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Retaliation for Opposing Illegal Practices
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Inducing Others to Violate the DC Human Rights Act
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When in Doubt, Think It Out
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You Decide!
Welcome to Unit 4: Fair Housing Violations and Complaints
Introduction & Objectives
There are many ways to violate fair housing laws, and the ethical real estate professional will avoid the most obvious offenses. But you must always be vigilant about what you say and do, because in some cases, you might find yourself discriminating unintentionally. We've said it before, and we'll say it again: When in doubt, think it out! In this unit, we will refresh your memory regarding several practices that have been prohibited by federal fair housing laws and the DC Human Rights Act. Steering, blockbusting, and redlining are three illegal actions that could land a real estate professional in hot water. We’ll review the processes for filing federal and DC fair housing complaints. Throughout this unit, we will look at the high cost of discrimination through case studies and the penalties allowed by law.
Objectives
Identify the fair housing violations of steering, blockbusting, and redlining.
Recall the processes for filing federal and DC fair housing complaints.
Recall the penalties for violating federal and DC fair housing laws.
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Lesson 1: DC Fair Housing Practice
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Steering Prohibitions
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Blockbusting Prohibitions
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Scary “Professionals”
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Lender Redlining
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Gail Makes a Call
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Know Your Scope of Duties and Responsibilities
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The Crime Question
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HUD Investigates Federal Fair Housing Complaints
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Where Complaints Can Be Filed
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Conciliation Agreements
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Case Study: “Disability” Fair Housing Violation Costs Landlord $34k
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Case Study: HUD Awards $49,165 in Alabama Race Discrimination Case
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Fair Housing Violations Can Lead to Significant Monetary Damages
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Civil Penalties
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Maximum Civil Penalty
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Filing with the Office of Human Rights
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Complaint Process
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Investigation Process
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OHR Guidance on Discrimination Complaints
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Goal of Mediation
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Lesson 5: Penalties for DC Human Rights Act Violations
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Civil Penalties
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Additional Penalties for Real Estate Licensees
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The Real Estate Commission Takes Action
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