Choose “Save as PDF” as the destination to keep a copy. Answers and explanations start on a new page.
Florida Federal and State Laws Pertaining to Real Estate — Printable Practice Pack
Florida state portion · Chapter 475 F.S., Rule 61J2 and Florida's transaction-broker relationships · 20 questions · Answer key on the last page · agentexamcoach.com
1.A real estate sales associate is working with a buyer who is looking for a property in a specific neighborhood. The associate notices that the buyer is avoiding certain areas with high concentrations of minority residents. Which of the following practices is the associate potentially facilitating?
(A)Steering
(B)Blockbusting
(C)Redlining
(D)Reverse redlining
2.What is the purpose of Florida's Growth Management laws?
(A)To oversee comprehensive planning and development
(B)To govern the relationship between landlords and tenants
(C)To regulate real estate licensing
(D)To enforce fair housing laws
3.Which federal law requires lenders to provide borrowers with a good faith estimate of settlement costs?
(A)Real Estate Settlement Procedures Act
(B)Truth in Lending Act
(C)Fair Housing Act
(D)Americans with Disabilities Act
4.A real estate sales associate is working with a client who uses a wheelchair. What law requires the associate to provide reasonable accommodations?
(A)Americans with Disabilities Act
(B)Fair Housing Act
(C)Florida Landlord and Tenant Act
(D)CAN-SPAM
5.Which of the following practices is prohibited by the federal Fair Housing Act?
(A)Blockbusting
(B)Steering
(C)Redlining
(D)All of the above
6.Which of the following is a protected class under the Fair Housing Act?
(A)Marital status
(B)Age
(C)Familial status
(D)Income level
7.A real estate sales associate is working with a buyer who is looking for a property in a specific school district. The associate should be aware of which federal law to avoid violating when discussing the property's location?
(A)Fair Housing Act
(B)Equal Credit Opportunity Act
(C)Americans with Disabilities Act
(D)Truth in Lending Act
8.Which of the following trigger terms requires a real estate advertisement to comply with TILA/Regulation Z?
(A)'Low down payment'
(B)'Financing available'
(C)'Interest rate as low as'
(D)'New home for sale'
9.Which federal law requires lenders to provide borrowers with certain disclosures, including the annual percentage rate and finance charge, before consummating a consumer credit transaction?
(A)TILA/Regulation Z
(B)RESPA
(C)Fair Housing Act
(D)Equal Credit Opportunity Act
10.A real estate sales associate is making telephone solicitations to potential clients. Which federal law restricts the making of telephone solicitations to consumers who have opted out of receiving such calls?
(A)Do-Not-Call
(B)CAN-SPAM
(C)Fair Housing Act
(D)TCPA
11.The CAN-SPAM Act regulates commercial email messages, including those sent by real estate sales associates. Which of the following is a requirement of the CAN-SPAM Act?
(A)Including a subject line that accurately reflects the content of the message
(B)Including a physical mailing address
(C)Providing a clear and conspicuous opt-out mechanism
(D)All of the above
12.Which federal law requires real estate professionals to provide disclosures to consumers about settlement services?
(A)RESPA
(B)TILA/Regulation Z
(C)ADA
(D)CAN-SPAM
13.A real estate sales associate is working with a client who is looking for a rental property. The client asks the sales associate to only show them properties in areas with a high concentration of people from their same racial background. What should the sales associate do?
(A)Accommodate the client's request
(B)Refuse to work with the client
(C)Inform the client that they cannot discriminate based on race and offer to show them properties in other areas
(D)Tell the client that they will only show them properties in areas with a high concentration of people from different racial backgrounds
14.Which of the following is a protected class under the federal Fair Housing Act?
(A)Disability
(B)Age
(C)Marital Status
(D)Income Level
15.What is the primary purpose of the Florida Fair Housing Act?
(A)To prohibit discrimination in housing
(B)To regulate landlord-tenant relationships
(C)To establish zoning regulations
(D)To provide tax incentives for homeowners
16.A property manager at a rental complex refuses to accommodate a tenant's request for a wheelchair ramp, citing the cost of installation. Which federal law requires the property manager to make reasonable accommodations for tenants with disabilities?
(A)Fair Housing Act
(B)Americans with Disabilities Act
(C)Section 504 of the Rehabilitation Act
(D)Uniform Residential Landlord and Tenant Act
17.What is the purpose of the Do-Not-Call registry?
(A)To prevent telemarketing calls to registered phone numbers
(B)To regulate email advertising
(C)To protect consumers from spam text messages
(D)To prevent door-to-door solicitation
18.A real estate sales associate receives an email from a potential client who has opted out of further communication. What law requires the associate to respect this opt-out?
(A)CAN-SPAM Act
(B)Do-Not-Call Registry
(C)Fair Housing Act
(D)Florida Landlord and Tenant Act
19.What is the primary purpose of the Real Estate Settlement Procedures Act?
(A)To regulate the activities of real estate brokers and sales associates
(B)To provide consumer protection by prohibiting kickbacks and requiring disclosures
(C)To establish a national registry of real estate transactions
(D)To provide tax credits for homebuyers
20.A real estate sales associate is working with a client who is purchasing a property in a area that is subject to comprehensive planning under the Florida Growth Management Act. What is the primary purpose of this act?
(A)To regulate the development of agricultural land
(B)To provide funding for affordable housing
(C)To coordinate and manage the growth and development of urban and rural areas
(D)To establish the requirements for real estate licensing
Answer key & explanations
1. A — Steering occurs when a real estate agent guides a buyer towards or away from certain neighborhoods based on the buyer's protected characteristics, such as race or national origin.
2. A — Florida's Growth Management laws are intended to oversee comprehensive planning and development, ensuring that growth is managed in a way that balances economic, social, and environmental concerns.
3. A — The Real Estate Settlement Procedures Act requires lenders to provide borrowers with a good faith estimate of settlement costs.
4. A — The Americans with Disabilities Act requires the associate to provide reasonable accommodations, such as accessible viewing areas or written materials in alternative formats.
5. D — The federal Fair Housing Act prohibits blockbusting, steering, and redlining, which are all forms of discriminatory practices in the sale or rental of housing.
6. C — Familial status is a protected class under the Fair Housing Act, which includes families with children under the age of 18.
7. A — The Fair Housing Act prohibits steering, which is the practice of directing buyers to or away from certain neighborhoods based on their protected class.
8. C — The term 'Interest rate as low as' is a trigger term that requires a real estate advertisement to comply with TILA/Regulation Z, as it references the cost of credit.
9. A — TILA/Regulation Z requires lenders to provide borrowers with certain disclosures, including the annual percentage rate and finance charge, before consummating a consumer credit transaction.
10. A — The Do-Not-Call law restricts the making of telephone solicitations to consumers who have opted out of receiving such calls.
11. D — The CAN-SPAM Act requires that commercial email messages include a subject line that accurately reflects the content of the message, a physical mailing address, and a clear and conspicuous opt-out mechanism.
12. A — The Real Estate Settlement Procedures Act (RESPA) requires real estate professionals to provide disclosures to consumers about settlement services.
13. C — The sales associate should inform the client that they cannot discriminate based on race and offer to show them properties in other areas, as this is a violation of the Fair Housing Act.
14. A — The federal Fair Housing Act protects seven classes: race, color, religion, sex, national origin, disability, and familial status. Disability is one of the protected classes.
15. A — The Florida Fair Housing Act prohibits discrimination in housing based on certain protected classes, including race, color, religion, sex, national origin, disability, and familial status.
16. A — The Fair Housing Act requires landlords to make reasonable accommodations for tenants with disabilities, including the installation of wheelchair ramps.
17. A — The Do-Not-Call registry is a database of phone numbers that have opted out of receiving telemarketing calls, and its purpose is to prevent these calls to registered numbers.
18. A — The CAN-SPAM Act requires senders of commercial emails to respect opt-out requests and provide a clear mechanism for recipients to unsubscribe.
19. B — The primary purpose of the Real Estate Settlement Procedures Act is to provide consumer protection by prohibiting kickbacks and requiring disclosures, such as the Good Faith Estimate and the HUD-1 settlement statement.
20. C — The primary purpose of the Florida Growth Management Act is to coordinate and manage the growth and development of urban and rural areas.
Want unlimited adaptive practice?
Take the free diagnostic to see which areas are costing you the most points — then drill exactly those.
