1. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 1 CHAPTER 21 FAIR HOUSING & ETHICAL PRACTICES Civil Rights Act of 1866 Civil Rights Act of 1968 (Federal Fair Housing) Illinois Human Rights Act

2. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 2 CIVIL RIGHTS ACT OF 1866 (PAGE 404) Prohibits any type of discrimination based on race in all phases of life

3. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 3 Title VIII CIVIL RIGHTS ACT OF 1968 (Page 405) Race Color Religion Sex Mental or physical disability Familial status National origin

4. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 4 FAIR HOUSING ACT Housing- dwelling used as a residence Familial status – presence of one or more individuals under the age of 18 Disability – physical or mental impairment Terms

5. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 5 EXEMPTIONS (Page 409) Under no circumstance can someone discriminate if: A real estate broker is involved Discriminatory advertising is used

6. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 6 Owner occupied buildings 4 or less units Organizations limiting access to members Owned by an individual who does not more than 3 such properties Does not sell more than 1 every 2 years EXEMPTIONS (Page 409)

7. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 7 EQUAL CREDIT OPPORTUNITY ACT (ECOA) (Page 410) Race Color Religion National origin Sex Marital status Age Public assistance

8. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 8 Title I – requires employers with 15 or more employees to make reasonable accommodations in the work environment (Independent contractors in a real estate office are considered employees for this Act) Title III – provides for accessibility to goods and services – includes residential and commercial real estate structures AMERICANS WITH DISABILITIES ACT (ADA) (PAGE 410)

9. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 9 Reasonable accommodations must be made to residential units to allow access to the physically handicapped AMERICANS WITH DISABILITIES ACT (ADA)

10. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 10 FAIR HOUSING TERMINOLOGY (Page 411) Blockbusting Steering Advertising Appraising Redlining

11. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 11 ILLINOIS HUMAN RIGHTS ACT (Page 415) Ancestry Religion Age National Origin Color Race State onlyFederal/StateClass X X X X X X

12. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 12 ILLINOIS HUMAN RIGHTS ACT State onlyFederal/StateClass Sexual Orientation Familial Status Military Discharge Disability Marital Status Sex X X X X X X

13. Copyright – David A. McGowan All rights reserved Revised 7-30-08 Chapter 21 Slide # 13 Owner occupants of a building consisting of 5 units or less They own fewer than 3 A family member was the last current resident No broker was used No discriminatory advertising was used EXEMPTIONS (State) (Page 416)