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Exam topics · Tennessee

Fair housing on the Tennessee real estate exam

Protected classes, the practices that violate the law even without intent, and the advertising language that gets licensees disciplined.

Why this section is hard

Fair housing questions punish good intentions. The scenario usually shows a licensee being helpful — answering a question about schools, matching a buyer to a neighborhood 'they will like' — and the correct answer is that the helpful act was a violation.

The federally protected classes

Memorize them cold. Every fair housing question begins by asking, silently, whether a protected class is involved.

  • —Race, color, religion, national origin, sex, familial status, and disability.
  • —Familial status protects households with children under 18 and pregnant persons.
  • —Disability includes both physical and mental impairments, and covers reasonable accommodations and modifications.

The four prohibited practices

These names show up verbatim in answer choices, so know which behavior maps to which term.

  • —Steering — directing buyers toward or away from areas based on a protected class.
  • —Blockbusting — inducing panic selling by suggesting a protected group is moving in.
  • —Redlining — refusing or pricing loans or insurance based on neighborhood composition.
  • —Discriminatory advertising — wording that indicates a preference or limitation.

Advertising language

The test is whether an ordinary reader would perceive a preference. 'Perfect for a young couple,' 'ideal family neighborhood,' 'walking distance to First Baptist,' and 'no children' are all violations. Describe the property, never the desired occupant.

Accommodations and modifications

A reasonable accommodation is a change in rules or policy — allowing a service animal in a no-pets building. A reasonable modification is a physical change to the premises, generally at the tenant's expense. Exam questions test which word applies.

Traps that cost points

Answering a buyer's question about 'what kind of people live there.'

Redirect to objective, published data sources. Any characterization of residents is steering.

Assuming a violation requires intent.

Effect controls, not intent. A helpful, well-meaning act can still be a violation.

Treating a service animal as a pet subject to pet policy.

Service and assistance animals are an accommodation issue, not a pet issue, and pet fees generally cannot be charged.

Common questions

Does fair housing apply to a for-sale-by-owner?

Limited exemptions exist for certain owner-occupied and private transactions, but those exemptions are lost the moment a licensee is involved or discriminatory advertising is used.

Can I tell a buyer about school quality?

Point them to published, objective sources and let them evaluate. Characterizing schools is a common back door into steering.

Are all protected classes federal?

No. State and local law can add protected classes beyond the federal list, and licensees must comply with the strictest applicable rule.

Practice it, don't reread it.

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