McKissock Fair Housing, Fair Lending Practice Test

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• AHERA addresses asbestos hazards in which setting?
• Which case outlawed segregation in public schools?
• Phase I Environmental Assessment Reports are primarily designed to do which?
• In which atmospheric layer does almost all weather occur?
• The person (including the Secretary of HUD) who files a complaint under Section 8 the Fair Housing Act is called the ______________.
• Which event helped spur CERCLA?
• Freddie Mac's version of an Environmental Site Assessment is to be used for_________________.
• ______ is a primary cause of acid rain.
• The amount of dissolved calcium and magnesium in water defines water what?
• Releases and hazardous waste site situations that pose imminent and substantial danger to human health and the environment are covered under which EPA program?
• Asbestos is a naturally occurring _____________.
• If a complaint involves a licensee and involves serious violations of statutes or regulations and/or financial injury to a consumer, the complaint may be referred to the Department of State __________ for resolution.
• The National Wetlands Inventory is administered by which agency?
• The term 'third party defense' in lending refers to which situation?
• Under the Clean Air Act, facilities such as factories and chemical plants are classified as what?
• Any person who claims to have been injured by a discriminatory housing practice is called a(n) ___________________.
• HUD says the appraiser must ________________ any attempt to influence their independence.
• Which action is not required under AHERA for local educational agencies?
• Which organization uses the BOCA Guidelines for sleeping area standards?
• What term describes an adverse effect on property value from market perception of environmental risk due to contamination?
• The RECORD KEEPING RULE states: 'A true copy is a replica of the report transmitted to the ____________.'
• Which statement about wetlands and flood hazard areas is true?
• Under the Resource Conservation and Recovery Act, materials regulated are known as?
• In NY State, environmental assessments are standardized through use of the _____________.
• SEQRs are environmental assessments required for activities of ____________.
• AO-19 addresses unacceptable conditions. It says, in part, an assignment condition is unacceptable when it limits the scope of work to such degree that the assignment results are not ______, given the intended use of the assignment.
• Which USPAP concept is described as the overarching goal of USPAP as stated in the preamble?
• Which is not true of the provisions of SARA?
• Most housing is covered under the Fair Housing Act of 1968, including both private and public housing.
• Under USPAP ethics, the reason for observing the highest standards is to promote and preserve the public trust inherent in appraisal practice.
• In new construction, where may a metal shield be placed to prevent termite infestation?
• Which statement about radon is not true?
• Under Federal law, a disability is defined as having a current ______ impairment.
• Which option is not a permissible method for filing a HUD Fair Housing complaint?
• Which act requires federal agencies to assess environmental impacts of proposed actions?
• Radon is particularly prevalent in which rock type?
• Familial status is defined as one or more individuals (who have not attained the age of ______ years) being domiciled with a parent or another person having legal custody?
• The Clean Air Act was principally concerned with ______.
• If a licensee has not responded to a complaint or a resolution is not readily obtained, the complaint is assigned to a(n) __________.
• What is the general purpose of a Phase I Environmental Site Assessment?
• Environmental Assessment Forms (EAF) are in a __________ format.
• Which term describes the formal pre-hearing effort to resolve issues raised by a complaint?
• What term describes former Superfund sites that EPA considers no longer of current interest?
• The Division of Licensing Services in New York State falls under which department?
• According to ACS, approximately what percent of Americans are disabled?
• Which substances are used in refrigerants and aerosol propellants?
• Which phase involves collecting physical samples to characterize soil or groundwater?
• Which statement about wetlands is true?
• Typical elements of green infrastructure to reduce stormwater runoff include all of these except which?
• Over _______________ USTs in the U.S., regulated by the EPA, contain petroleum or hazardous wastes.
• The Water Quality Act of 196 provided for the setting of water quality standards enforceable by which governments?
• Former Superfund sites that are no longer of interest to EPA are called ______ sites.
• Which statement about green infrastructure is true?
• The infamous hazardous waste site at the _____ Canal in New York State helped spur CERCLA.
• Under BOCA Guidelines, sleeping areas must have a minimum of how many square feet for a single occupant and how many for two or more sharing?
• Which organization has oversight authority over state appraiser regulatory agencies?
• Which statement about third party defense is true?
• Which agency is primarily responsible for enforcing health and safety regulations in U.S. workplaces?
• What kind of homes can have a radon problem?
• Which is not true of wetlands?
• Which of the following is NOT a protected class under the Fair Housing Act?
• What does PRP stand for in the context of contaminated sites?
• Leaking USTs must be removed under the supervision of proper authorities, cleaned, and _____________________.
• The Fair Housing Amendments Act of 1988 enhanced the enforcement capabilities of which agency?
• NEPA utilizes _________________ to provide a 'hard look' at the potential environmental consequences of each proposed project.
• In the event that immediate action is required on a complaint, HUD may authorize the Attorney General to go to court to seek _______________________.
• Which of the following would not be a way that lenders can reduce their environmental risk?
• An ESA, or Phase I Environmental Assessment Report is a report of a(n)________________.
• The main source of atmospheric sulfur dioxide today is ____________.
• In 2011, the rule-writing authority for Regulation C was transferred to which bureau?
• Which statement best describes the Complainant in a HUD action?
• Curies are a measure of which quantity?
• Only sites ______ can be cleaned up using the Superfund Trust Fund.
• HMDA was enacted in 1975 and implemented by Regulation C. Which agency originally implemented Regulation C?
• Asbestos professionals provide all of these services, except for which?
• Almost all weather takes place in which layer of the atmosphere?
• Which is not one of the three primary sources of lead exposure for children?
• Which document governs the requirement that a true copy is a replica of the report transmitted to the client?
• Which description best captures the scope of an Environmental Site Assessment (ESA) report?
• A NY licensee who is found to be in violation of the law is subject to all of these actions except for which?
• Which of the following is NOT among the ten protected classes under Article 1?
• The Circuitron site contamination involved which type of contaminants?
• The CRA's record is used when evaluating which types of banking applications?
• Which two agencies jointly developed the hazardous waste transporter regulations?
• A lender who participates in the day-to-day management of a contaminated property may become a PRP as a(n) __________.
• The Fair Housing Act of 1968 prohibits discrimination in the sale, rental, and financing of dwellings based on which characteristics?
• Which agency is primarily responsible for registering pesticides for sale in the United States?
• The person or other entity accused in a complaint of an unfair housing practice is known as the __________.
• Civil Administrative Actions are ______ enforcement actions taken by EPA or a state under its own authority.
• A Level I environmental assessment report generally follows the guidelines of the_____________________.
• Who is responsible for identifying wetlands on agricultural properties?
• Which is not a benefit to be gained from wetlands?
• A Fair Housing complaint can be filed with HUD in all of these ways, except for ____________.
• Indoor airPLUS is a voluntary program run by which agency?
• Which federal department administers federal programs dealing with better housing, urban renewal, and metropolitan planning?
• In environmental property valuation, which two statuses are typically considered?
• Dred Scott v. Sanford established that persons of African descent were not citizens; which description best captures the outcome?
• The act that governs wastewater standards for industry is often cited as which of the following?
• Fannie Mae requires environmental hazard assessment for ____________ if an environmental problem is identified by the lender.
• Which law provides the framework for national solid waste control?
• What does Phase I ESA primarily aim to identify?
• Which option describes Indoor airPLUS?
• Which act is associated with the aging septic systems rebate?
• What is the unit commonly used to measure radon concentration in air?
• The 'new car' smell is primarily caused by emissions of which chemical?
• A preference or inclination that precludes an appraiser's impartiality, independence, or objectivity in an assignment.
• The hazardous waste transporter regulations were developed by which two agencies?
• Under USPAP Standard Rule 2-3, one of the certifications states the reported analyses, opinions, and conclusions are limited only by the reported ______.
• The largest dredging project in the United States addressed contamination from which substance?
• If you decide to close your UST permanently and leave it in the ground, you may which action?
• Which statement about Environmental Assessment Forms (EAF) is true?
• A home should be mitigated if the radon level is at least how many picocuries per liter?
• Which statement best describes the carbon footprint concept used here?
• The PREAMBLE states that the purpose of USPAP is to '... promote and maintain a high level of ______________.'
• Which agency has higher enforcement authority under the 1988 Fair Housing Amendments Act?
• A lender may become a PRP ______________.
• All of these were changes to CERCLA under SARA, except for ______________.
• In New York, environmental assessments are standardized through which form?
• In what year did the federal government ban lead-based paint from housing?
• All of these are true of wetlands, except which?
• The Community Reinvestment Act seeks to encourage depository institutions to meet the credit needs of surrounding communities, particularly low- and moderate-income areas. How is the institution's CRA record used?
• In establishing a discriminatory housing practice for blockbusting, it is ________ that there was in fact profit.
• Asbestos has been used commercially since which period?
• Which activity is not typically part of a Phase I ESA?
• If an appraiser is asked whether a specific property has a value, that request is for a(n) ______.
• The Council on Environmental Quality was established by which act?
• Tanks of ________ gallons or less capacity are exempt from federal UST regulations.
• Passed in 1868, all persons born or naturalized in the United States, and subject to the jurisdiction thereof, are citizens of the United States and the state wherein they reside. No state shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States, nor shall any state deprive any person of life, liberty or property, without the due process of law; not deny to any person within its jurisdiction the equal protection of the law.
• The Civil Rights Act of 1866 guarantees property rights to all citizens, including rights to inherit, purchase, and sell real and personal property, regardless of race. Which statement best describes this Act?
• In fair housing practice, which factor is prohibited to be considered in an appraisal?
• Superfund site is any land in the United States that has been contaminated by hazardous waste and identified by ______________ as a candidate for cleanup.
• Which unit commonly expresses radon concentration in air?
• Which New York State department deals substantially with water pollution?
• The expansion, redevelopment or reuse of real property that may be complicated by the presence or potential presence of a hazardous substance is defined as a __________.
• In New York State, after asbestos waste has been abated, to what type of landfill must the waste be transported?
• In which case did the Supreme Court strike down a Louisville, Kentucky zoning law that limited African-Americans and other minorities to specific areas?
• Which statement is true?
• Under the Equal Credit Opportunity Act (ECOA), discrimination is prohibited in which type of transactions?
• Criminal actions are usually reserved for the most serious violations, those that are _____.
• Which of the following is a protected class under NYC HRL not found under NYS HRL?
• In a septic drainage field, which drainage tile is laid in trenches, filled with gravel?
• Which agency is typically responsible for identifying wetlands on agricultural land?
• What is the primary purpose of the Real Estate Settlement Procedures Act (RESPA)?
• The term compensatory mitigation is used in wetland development to offset adverse impacts by restoring, creating, or preserving wetlands.
• Under what timeframe must HUD notify the alleged violator after receiving a complaint?
• Shortly after the Union Oil company spill in California, _____ Day was born nationwide.
• Dwelling is defined as which of the following for Fair Housing Act purposes?
• Which body has oversight authority over state appraiser regulatory agencies?
• The Air Quality Act of 1967 took which approach?
• Which of the following is not among the three most common types of private drinking water wells?
• The decision in which case established the liability standard for corporate entities and their subsidiaries?
• Which agencies are the lead for determining wetlands on non-agricultural property?
• Under the Conduct section, which phrase identifies the section of the ethics rules that governs how appraisers handle assignment results?
• A Phase I Environmental Assessment Report is performed and prepared by ________________.
• The Americans with Disabilities Act prohibits discrimination against individuals with disabilities in all areas of public life, including jobs, schools, transportation, and public places open to the general public. The scope is?
• An Environmental Site Assessment (ESA) is a report prepared for ______.
• The Equal Credit Opportunity Act prohibits discrimination in housing on the basis of which factors?
• Which agency must register or license all pesticides distributed or sold in the United States?
• Under NEPA, which documents are used to provide a hard look at environmental consequences?
• All these are one of the categories of EPA's cleanup programs, except _______________.
• Which service stations utilize underground storage tanks for the gasoline they sell?
• Which USPAP Advisory Opinion addresses contaminated properties?
• FIRREA was enacted to ensure what aspect of real estate practice?
• What hypothetical condition is used to assess unimpaired value?
• Which statement best describes the term handicap in this context?
• HUD's Advertising Guidelines detail the type of advertising prohibited under which act?
• An example of unlawful practice in appraising would be an appraisal that improperly takes into consideration a person's ______ in estimating value.
• The Court held that persons of African descent were not 'citizens' even if they lived in a free state, and therefore they were not entitled to any rights.
• HUD must serve the charge on the complainant and the respondent. Which pairing best completes this requirement?
• If an appraiser observes actual or suspected contamination, the appropriate action to take is to
• In urgent cases, HUD may authorize the Attorney General to seek which type of relief?
• The Fair Housing Amendments Act of 1988 includes requirements for new buildings that were first occupied after March 13, what year?
• Which item is not included in the term 'Residential real estate-related transaction'
• The Solid Waste Disposal Act was passed as part of amendments to which Act?
• The most accurate method of lead paint testing is __________.
• The ETHICS RULE says an appraiser cannot accept an assignment that includes the reporting of
• Which unit handles licensing complaints that involve serious violations and possible financial injury?
• USPAP only applies to individuals when they are acting ____________.
• Areas that are in special flood hazard areas are in _________ zones.
• The Conduct section of the ETHICS RULE says: An appraiser must not accept an assignment that includes the reporting of ____________ opinions and conclusions.
• The New York State Executive Law has __ Articles.
• Which statement about the two-family exemption is true?
• Which entity defines the term Brownfield in the context of real estate and environmental contamination?
• Which action is an example of green infrastructure for stormwater management?
• Which entity has oversight authority over state appraiser regulatory agencies?
• Which NY State act is associated with funding for clean water projects and is described as basic clean water legislation?
• If the parties agree to have the matter settled through the HUD administrative process, a hearing must be held within ____ days of issuance of the charge.
• Which section governs the disclosure of conflicts of interest in USPAP?
• __________ is a law enacted as part of civil rights legislation that prohibits discrimination in home sales, rentals, and financing based on race, color, national origin, religion, sex, familial status, or disability.
• Which option best describes universal wastes?
• Which term completes the phrase 'Equality of opportunity is a(n) ______ right'?
• The Fair Housing Act authorizes the __________ to bring civil actions if there is cause to believe that any person or group is engaged in a pattern or practice of resistance to the full enjoyment of any rights granted by this title.
• Which option is not a typical benefit of wetlands according to the material?
• Loans that are too big to conform to Fannie Mae and Freddie Mac limits are known as _____ mortgages.
• NWPs are now required for projects impacting as little as ________ of wetlands.
• Who is responsible for enforcing federal environmental programs?
• An ESA is a report prepared for _______.
• The valuation of properties impacted by environmental contamination usually involves which two categories?
• Which statement best summarizes the protections guaranteed by the Fourteenth Amendment?
• The additional or incremental risk of investing in property attributable to its environmental condition is called what?
• What substance was discharged into the Hudson River for 30 years from two GE plants before cleanup began?
• If an appraiser observes actual or suspected contamination, the appropriate action to take is to ________________.
• Which term describes the type of terminology exemplified by the phrases pride of ownership and poor neighborhood as identified by Fannie Mae?
• Radon tests should be conducted in which part of the house?
• Under USPAP Standard Rule 2-3, the statements of fact contained in this report are true and correct.
• The Clean Air Act regulates air emissions from which types of sources?
• Any physiological disorder or condition, cosmetic disfigurement or anatomical loss is defined as which term?
• Under USPAP Standard Rule 2-3, the statements of fact contained in this report are ______.
• Which of the following pairs accurately represents lead agencies for determining wetlands on non-agricultural property?
• The definition of 'Person' includes which of the following?
• In NY State, the basic clean water legislation is the which act?
• Which statement is not true of radon?
• Which of the following actions would violate USPAP ethics rules?
• Under federal disability definitions, which of the following qualifies as an impairment?
• Which federal agency is primarily responsible for enforcing environmental programs nationwide?
• Which part of USPAP deals with conflicts of interest?
• Wetlands are a unique ecosystem characterized by which of the following?
• The first significant legislation dealing with controlling public waters was the ______.
• Which protection is required for all USTs by EPA?
• Phase I reports typically include all of these items, except
• If a Department of State complaint goes to a hearing, the hearing is presided over by a(n) _____________.
• Under CERCLA, owners of real property are generally liable for the cost of addressing onsite contamination regardless of fault. Which party does this describe?
• Civil Administrative Actions are which type of enforcement actions?
• Which term refers to the use of source reduction and/or environmentally sound recycling methods prior to treating or disposing of hazardous wastes?
• Phase I investigative reports prepared for real estate property are meant to identify environmental contamination and __________.
• Any discernible, confined, and discrete conveyance from which pollutants are or may be discharged is defined as which term?
• The Rehabilitation Act of 1973 prohibits discrimination against handicapped persons in what types of programs?
• What is the term for reducing waste at the source and using recycling methods before disposal?
• Which term describes a single, identifiable discharge point for pollutants?
• The two basic kinds of radon testing devices are which?
• Section 40 the Clean Water Act establishes a program to regulate the discharge of _____________ into waters of the United States, including wetlands.
• _______________ has oversight authority over state appraiser regulatory agencies.
• Fannie Mae cites this as an unacceptable appraisal practice: failure to comment on which factors with respect to the subject neighborhood, the subject property, or proximity of the subject property to adverse influences?
• It is generally accepted that no collection of samples or testing is normally included when developing a Phase ___ report.
• AO-19 asks appraisers to ascertain what levels are associated with the service.
• Which organization identifies the use of phrases such as pride of ownership and poor neighborhood as subjective terminology?
• The amount of carbon dioxide a person is responsible for putting into the atmosphere is called __________.
• The person or other entity accused in a complaint of an unfair housing practice, is known as the _______________.
• Who administers the Coastal Zone Management Act?
• Which statement about unimpaired value is true?
• When your complaint is received by HUD they will notify the alleged violator of your complaint promptly and permit that person to submit an answer within _____ days.
• The 1988 amendments enhanced the enforcement capabilities of HUD.
• The Federal Trade Commission enforces the Equal Credit Opportunity Act, which prohibits credit discrimination on various bases. Which agency is responsible?
• CERCLA became law in ____________.
• In what year did the federal government ban lead-based paint from housing?
• Any party adversely affected by a final HUD decision may file a petition for review in ___________________.
• Affirmative action is best described as which of the following?
• What is another name for an assistance animal?
• Which term describes the shoreline rights that allow use and enjoyment but limit alteration?
• A physical or mental impairment which substantially limits one or more of a person's major life activities is the definition of which term?
• Batteries, mercury-containing thermostats, and lamps are examples of ______ wastes.
• Proposed projects that will cause adverse impacts to wetlands and other aquatic resources typically require some type of__________________.
• Underground tanks storing ________ are exempt from federal UST regulations.
• What term describes the additional or incremental risk of investing in property attributable to its environmental condition?
• Excessive radon in a house can be fixed in all these ways except which?
• The largest environmental dredging project ever undertaken in the United States occurred in the ______.
• FIRREA stands for which of the following?
• What type of relief may be sought through court when action is immediately required?
• In what year was the Fair Housing Act enacted?
• The ETHICS RULE says "An appraiser must promote and preserve the public trust inherent in appraisal practice by observing ______________"
• Which option would not be a civil enforcement result?
• According to the American Community Survey (ACS), approximately ______ % of Americans are disabled.
• Which would not be a way that lenders can reduce their environmental risk?
• NY DEC measures air pollutants at multiple sites across the state how often?
• The Equal Credit Opportunity Act was enacted in which year?
• Which term includes the use, reuse and/or reclamation of waste residuals (that may be designated as a hazardous waste) or materials in a hazardous waste?
• The National Wetlands Inventory is administered by which agency?
• ________________ established the standard by which the liability of corporate entities and their subsidiaries is determined.
• Which policy program is described as a new policy program now available to states and localities to reduce trash and costs related to its management?
• After a well is drilled, contractors must provide a DEC ___________ report to the well owner.
• Which case established the 'separate but equal' doctrine?
• The definition of 'Dwelling' includes vacant land offered for sale or lease for the construction of housing.
• CERCLA is primarily a federal cleanup law addressing which?
• What color is radon?
• The term used for the person or entity accused in a housing discrimination complaint is the __________.
• Asbestos professionals provide all of these services, except for __________.
• Fannie Mae requires an environmental hazard assessment for ____________ if an environmental problem is identified by the lender.
• All of these are beneficial effects of wetlands, except __________.
• Which statement about radon exposure is true?
• The RECORD KEEPING RULE states: 'The workfile must include: _______ copies of all written reports.'
• If the parties agree to have the matter settled through the HUD administrative process, a hearing must be held within ____ days of issuance of the charge.
• Which would not be a civil enforcement result?
• SARA stands for which act?
• EPA's label for water-efficient products is called what?
• The two basic kinds of radon testing devices are which?
• The Consumer Credit Protection Act is cited in connection with which act's protections?
• The Civil Rights Act of 1964 prohibits discrimination based on which of the following?
• If a material breaks down or crumbles easily, it is called _________.
• Under CERCLA, owners of real property generally are liable for the cost of addressing onsite contamination ______________.
• Which office coordinates EPA's review of all federal Environmental Impact Statements prepared by other agencies?
• Setting wastewater standards for industry falls under which act?
• There are four primary reasons to secure a Phase I ESA. They include all of these reasons, except ________.
• Liability under CERCLA is '___________'
• In 1970 the ________ was given broad authority to clean up oil spills and to ______ the cost of cleanup.
• The 1988 Fair Housing Amendments Act extended federal civil rights protection to which groups?
• The average indoor radon level is about how many picocuries per liter?
• Which description best fits radon?
• HUD states the appraiser must report any attempt to influence their independence.
• AO-16 indicates that conclusions about characteristics such as race or gender cannot be used because they are ______.
• Which items are universal wastes?
• Which is a primary cause of acid rain?
• If the NY State Division of Human Rights determines that there is probable cause, the case will be presented in __________.
• The 13th Amendment, ratified after the Civil War, did what?
• Which component is explicitly included in the protections of the Fourteenth Amendment?
• Under the Fair Housing Act, who is empowered to initiate civil actions for pattern or practice discrimination?
• An adverse effect on property value produced by the market's perception of increased environmental risk due to contamination is called ________.
• Which statement is not true about radon?
• The Federal AHERA requires local educational agencies to take all these actions except which?
• Within 3 business days after issuing a charge, HUD must file it with which office?
• The three most common types of private drinking water wells are which?
• The Conduct section of the ETHICS RULE says: An appraiser must not misrepresent his or her role when providing valuation services that are outside of
• The 1988 Fair Housing Amendments Act expanded FHA protections to which groups?
• A list of the worst hazardous waste sites identified by Superfund is the ______________ list.
• In fair housing terminology, which term refers to a condition that substantially limits major life activities?
• The term 'Family' is defined as including which of the following?
• Which of the following was a protected class added by the Fair Housing Amendments Act of 1988?
• The two basic kinds of radon testing devices are which?
• Transportation fuel sold in the United States must contain a minimum volume of what to reduce greenhouse gas emissions and the use of petroleum fuels?
• Pesticide products contain both which types of ingredients?
• PHA stands for which of the following organizations?
• Which statement regarding HUD guidelines would NOT be unlawful in residential advertising?
• Which act guaranteed property rights to all citizens regardless of race, including rights to inherit, purchase, and sell real and personal property?
• Under ECOA, which of the following personal characteristics is protected when applying for credit?
• Which term describes a material that can crumble easily and release fibers?
• RESPA requires disclosure of which type of information about the closing process?
• Phase I investigative reports prepared for real property are designed to ________ areas of potential concern.
• Which statement best describes the scope of Phase I/II requirements for mortgage lenders?
• Which section of the ETHICS RULE addresses conflicts of interest and handling of assignments?
• The Equal Protection Clause of the 14th Amendment prohibits discrimination that results from which of the following?
• Which of the following is included in the definition of 'Person' under these housing laws?
• When a government takes property, it must give the owner what?
• The number of USTs in the U.S. regulated by the EPA that contain petroleum or hazardous wastes is approximately:
• CERCLA pressured the lending community to require ______.
• The ________ section of the ETHICS RULE states an appraiser must not accept an assignment that is contingent on the amount of a value opinion.
• The NY Clean Water Infrastructure Act includes a $7 million rebate program to give homeowners and small businesses an incentive to replace and upgrade________________.
• All of these words describe lead, except for __________.
• Which term indicates that certain conclusions cannot be used because they are required to be avoided by law?
• Many ______ were created when manufacturing plants or military bases closed or moved.
• The first federal law that required environmentally sound methods for disposal of wastes was the ___________________.
• Which list prioritizes cleanup at the national level in the Superfund program?
• Which agency identifies Superfund candidates for cleanup?
• Article 1 does not apply to the rental of all rooms in a housing accommodation to individuals of the same _________.
• Which agency administers the Coastal Zone Management Act?
• The problem at the Circuitron Corporation site in East Farmingdale, New York was contamination by ______________.
• When your complaint is received by HUD they will notify the alleged violator of your complaint, within _____ days.
• Which statement best describes the Plessy v. Ferguson doctrine of segregation?
• Which of the following is NOT a protected characteristic under the Fair Housing Act as amended?
• The ETHICS RULE says an appraiser cannot accept an assignment that is contingent on a direction in assignment results that favors the cause of ________ .
• One of the certifications in SR 2-3 says .'the reported analyses, opinions, and conclusions are limited only by the reported __________________________......'.
• Which pollutant was not included in the 1990 amendments to the Clean Air Act?
• Under HMDA Regulation C, lenders are required to report what type of data?
• A mortgage that exceeds conforming loan limits is called a _____ loan.
• In New York, which agency regulates the distribution, sale, use and transportation of pesticides?
• The attempted resolution of issues raised by a complaint is called __________.
• Asbestos has been used commercially since which period?
• Which term describes water hardness?
• Which class is protected under both NYC HRL and NYS HRL?
• The government's main agency designed to protect workers from job-related injuries and illnesses by enforcing all safety and health legislation is _________________.
• Which statement best describes the relationship between NYC and NYS HRLs regarding protected classes?
• Within 3 business days after issuing a charge, HUD must file it with the _____________ and serve it on the complainant and the respondent.
• Asbestos may become dangerous when it _________.
• Within how many business days after issuing a charge must HUD file it?
• An Environmental Site Assessment ESA is a report prepared for _______.
• Which group is typically responsible for preparing Phase I Environmental Assessment Reports?
• Which EPA label is used for water efficiency in products?
• Which entity serves as the repository for recycling market information for the State of New York?
• A lender who participates in the day-to-day management of a contaminated property may become a PRP as a(n) ____________.
• Which statement about radon testing devices is true?
• What is the correct title to use when advertising an appraiser who has completed a USPAP course?
• The three most common types of private drinking water wells are __________.
• Under AO-19, an assignment condition is unacceptable if it limits the content of a report in a way that results in the report being what?
• The market value of a contaminated property developed under the hypothetical condition that the property is not contaminated is __________ value.
• Fannie Mae may require which type of environmental assessments?
• Radon in water may be removed by ________________.
• Which statement best describes the purpose of the Assumptions and Limiting Conditions in an appraisal report?
• Most mortgage lenders will order a current Phase I ESA ________________________.
• Which act expanded the Superfund program and is known as SARA?
• The New York State Article 1 states that equality of opportunity is a(n) ______ right.
• Which list designates high-priority contaminated sites for cleanup under the Superfund program?
• Which of these is NOT a qualitative term, that might appear in an appraisal report?
• What term refers to sites on which contamination is, or has been, generated?
• A physical or mental impairment which substantially limits one or more of a person's major life activities is the definition of which term?
• In blockbusting, it is not necessary to prove profit. Which statement best reflects this requirement?
• An exception to Article 1 applies to housing intended and operated for occupancy by at least one person ____ years of age or older per unit.
• The Conduct section of the ETHICS RULE says: an appraiser must not perform an assignment in a ____________ manner.
• What term describes the right of a landowner to use and enjoy the shoreline but not alter it?
• When an appraiser relies upon information from others, the appraiser must use a(n) _____________regarding the information provided by other experts used in the appraisal report.
• Which of the following is a protected class under the New York City Human Rights Law that is not found under the New York State Human Rights Law?
• The Conduct section of the ETHICS RULE says: an appraiser must not communicate assignment results with the intent to
• Which item was not part of the 1990 Clean Air Act Amendments?
• Smart growth aims toward all of the following except which?
• Owners of a significantly contaminated property might consider which of the following?
• Housing for older persons is exempt from the prohibition against familial status if it is occupied solely by persons who are ____ or older.
• Radon tests should be conducted in which location inside a home?
• U.S. Environmental Protection Agency (EPA) was formed in ___________.
• Smart growth objectives include all of these, except which?
• In NY State, which entity serves as the repository for recycling market information for the State?
• Radon is particularly prevalent in which rock type?
• Radon is a ________________.
• Asbestos may become dangerous when it is inhaled.
• The definition of handicap specifically ________ persons who are engaging in the illegal use of drugs, and transvestites.
• Under Article 1, the two-family exemption applies when the building contains not more than two independent housing accommodations and the owner resides in one unit. How many families does this permit?
• Title VI to the Civil Rights Act of 1964 prohibits discrimination in which areas?
• The greatest hazard of USTs leaking is __________.
• Shelley v. Kraemer held that the enforcement by a state court of a private racially restrictive covenant violates the Equal Protection Clause.
• CERCLA liability is best described as what?
• Which act was enacted in 1968 to address housing discrimination?
• There was no national environmental law in the U.S. prior to ____________.
• AO-19 addresses unacceptable conditions. Specifically, an assignment condition is unacceptable when it limits the content of a report in a way that results in the report being which of the following?
• If the NY State Division of Human Rights determines that there is probable cause, the case will be presented in ________________.
• Which phrase is an example of subjective terminology in appraisal language?
• What is the correct title to use when advertising an appraiser who has completed a USPAP course?
• Which action would violate USPAP Ethics Rule according to the material?
• UFFI insulation was discontinued after a few years because high concentrations of which chemical were found?
• Before filling or draining wetlands, which permit must be obtained?
• The exemption for housing for older persons applies when the occupant age threshold is at least what?
• Which act prohibits discrimination in housing on the basis of protected characteristics such as race, color, religion, sex, national origin, familial status, or disability?
• Curies are a measure of_____________.
• Under Article 1, an exemption allows renting in a building with not more than how many independently living families, if the owner occupies one unit?
• Which statute establishes the framework for a national system of solid waste control?
• Which of the following was a protected class added by the Fair Housing Amendments Act of 1988?
• It is generally accepted that no collection of samples or testing is normally included when developing a Phase ___ report.
• By what year did the EPA require spill, overflow, and corrosion protection for all underground storage tanks (USTs)?
• If a Department of State complaint goes to a hearing, which official presides?
• In the Maryland Bank and Trust case, the bank based its defense on which defense?
• Havens Realty Corp. v. Coleman is notable for allowing housing organizations and testers to sue in cases involving racial steering. What practice does this describe?
• This exception to Article 1 applies to housing intended and operated for occupancy by at least one person age ____ or older per unit.
• Which office processes HUD charges after they are issued?
• Which statement would NOT be unlawful in residential advertising under HUD Guidelines?
• Which statement best describes how lenders typically reduce environmental risk?
• HUD's published Advertising Guidelines detail the type of advertising prohibited under ______________.
• In New York State, which entity has jurisdiction over the distribution, sale, use and transportation of pesticides?
• Which statement about environmental risk on lending status is true?
• In order to qualify for the Innocent Landowner's Defense, the property owner had to have made '_______________' about the property prior to acquisition.
• Which of the following is NOT a way radon may enter a house?