Question 75

Federal civil rights legislation permits an unlicensed landlord to rent only to women if the rental is a bedroom in the landlord's own house and no advertising is used.

Federal civil rights legislation allows certain exemptions, including one for unlicensed landlords renting out rooms in their own homes, under specific conditions such as not advertising the rental and limiting it to a specific gender.

A) a lender to use forms and records that refer to a loan applicant's race, color, religion, sex, or national origin

This option is incorrect because federal civil rights legislation prohibits lenders from considering race, color, religion, sex, or national origin when making lending decisions. Such practices would constitute discrimination and violate the Fair Housing Act.

B) an unlicensed landlord to rent only to women if the rental is a bedroom in the landlord's own house and no advertising is used

This option is correct as federal civil rights legislation provides an exemption for unlicensed landlords renting out rooms in their own residences, allowing them to limit rentals by gender under the stipulation that no advertising is involved.

C) a broker to inform a minority prospect that a house is unavailable for sale when, in fact, it is available

This option is incorrect because it reflects discriminatory practices that are explicitly prohibited by federal civil rights legislation. Brokers cannot misrepresent the availability of housing based on a prospect's minority status.

D) a broker to imply that the racial composition of a neighborhood is going to change, thus encouraging homeowners in that neighborhood to list their homes with that broker

This option is incorrect as it constitutes discriminatory steering, which is illegal under federal civil rights laws. Brokers cannot suggest or imply changes in the racial makeup of a neighborhood to induce homeowners to sell their properties.

Conclusion

Option B is the only choice that correctly aligns with the exemptions allowed under federal civil rights legislation, specifically regarding unlicensed landlords. All other options involve discriminatory practices that violate the principles established to protect individuals from bias based on race, gender, or other protected characteristics.