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.
Monday, Jan 5th, 12th, 19th, 26th @5:00 pm
You should receive a Zoom link via email the day before the class. Make sure to check your spam folder. Please email us at PureBlackwoodInstitute@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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Introduction & Objectives
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Lesson 2: Your DC Fair Housing Course
Unit 2: Review of Laws and Basics of Fair Housing
Lesson 1:
Lesson 1: Equal Opportunity in Housing, Unit 2: Review of Laws and Basics of Fair Housing
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Lesson 1: Equal Opportunity in Housing
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Introduction & Objectives
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Plessy vs. Ferguson
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Separate but Equal
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A Court’s Fateful Decision
Lesson 2:
Lesson 2: Overview of Federal Fair Housing Laws, Unit 2: Review of Laws and Basics of Fair Housing
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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
Lesson 3:
Lesson 3: Fair Lending Practices Regulated by Federal Law, Unit 2: Review of Laws and Basics of Fair Housing
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Prohibiting Discriminatory Practices in Mortgage Lending
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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
Lesson 4:
Lesson 4: Federally Protected Classes, Requirements, and Compliance, Unit 2: Review of Laws and Basics of Fair Housing
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Protected Class: Race
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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
Lesson 5:
Lesson 5: Exceptions to the Fair Housing Act, Unit 2: Review of Laws and Basics of Fair Housing
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Federal Fair Housing Act Exemptions
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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?
Key Points: Unit 2: Review of Laws and Basics of Fair Housing
Key Points: Review of Laws and Basics of Fair Housing
The U.S. Supreme Court’s 1896 decision in Plessy v. Ferguson was the first to establish the separate but equal doctrine of legalized racial segregation as constitutional.
In 1968, Congress passed the Fair Housing Act.
The federal Fair Housing Act recognizes the following seven protected classes: sex, race, color, religion, national origin, familial status, and disability.
The Fair Housing Act covers "dwellings," or structures designed or occupied as residences and land offered for sale for the building of a residence.
Certain housing is exempt from fair housing law. This includes housing owned by religious organizations, housing designated for seniors, private clubs, and owner-occupied housing in one- to four-unit dwellings. However, discriminatory advertising is never allowed.
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Key Points: Review of Laws and Basics of Fair Housing
Unit 3: DC Human Rights Act
Unit 3: DC Human Rights Act
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Introduction & Objectives
Lesson 1:
Lesson 1: DC Human Rights Act, Unit 3: DC Human Rights Act
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DC Human Rights Acts Prohibits Discrimination in the District
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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
Lesson 2:
Lesson 2: DC Human Rights Act - Protected Traits, Unit 3: DC Human Rights Act
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Protected Traits: Race, Color, Religion, National Origin
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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?
Lesson 3:
Lesson 3: DC Human Rights Act - Additional Protected Trait, Unit 3: DC Human Rights Act
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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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Discrimination Under the DC Human Rights Act
Lesson 4:
Lesson 4: DC Human Rights Act - Additional Protected Traits Continued, Unit 3: DC Human Rights Act
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Sexual Orientation and Gender Identity or Expression
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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
Lesson 5:
Lesson 5: DC Fair Housing Prohibited Actions, Unit 3: DC Human Rights Act
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Discriminatory Practices Are Illegal
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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:
Lesson 6: DC Human Rights Act - Coercion, Threats, and Retaliation; Unit 3: 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!
Key Points: Unit 3: DC Human Rights Act
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Key Points: DC Human Rights Act
Unit 4: Fair Housing Violations and Complaints
Lesson 1:
Lesson 1: DC Fair Housing Practices, Unit 4: Fair Housing Violations and Complaints
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Lesson 1: DC Fair Housing Practice
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Routine Application of Fair Housing Laws
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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
Lesson 2:
Lesson 2: Filing Federal Fair Housing Complaints, Unit 4: Fair Housing Violations and Complaints
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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
Lesson 3:
Lesson 3: Case Studies on Fair Housing Penalties, Unit 4: Fair Housing Violations and Complaints
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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
Lesson 4:
Lesson 4: Filing Fair Housing Complaints in DC, Unit 4: Fair Housing Violations and Complaints
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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
Lesson 5:
Lesson 5: Penalties for DC Human Rights Act Violations, Unit 4: Fair Housing Violations and Complaints
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Penalties May Be Imposed
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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
Key Points: Unit 4: Fair Housing Violations and Complaints
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Key Points: Fair Housing Violations and Complaints
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