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</head>

<body lang=3DEN-US style=3D'tab-interval:.5in'>

<div class=3DWordSection1>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Questions and Answers on:<o:p></o:p></spa=
n></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;text-transform:uppercase;mso-font-width:80%'>F a i r<span
style=3D'mso-spacerun:yes'>   </span>H o u s i n g</span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:.75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'>=
<span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>The purpose of the fair housing laws is to protect a
person’s right to own, sell, purchase, or rent housing of his or her choice
without fear of unlawful discrimination.<span style=3D'mso-spacerun:yes'> 
</span>The fair housing laws are intended to allow everyone equal access to
housing.<span style=3D'mso-spacerun:yes'>  </span>State and Federal fair ho=
using
laws prohibit discrimination in the housing market on the basis of </span><=
b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>race, color, sex, religion, national origin, handicap, or familial sta=
tus.</span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>To discrimina=
te
against a person on the basis of his or her membership in one of these prot=
ected
categories is against the law.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none'>=
<span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>This pamphlet will focus primarily on the fair housing =
laws
as they are applied in the State of North Carolina.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'> </span><o:p></o:p></s=
pan></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Do the fair housing laws apply to all housing transactions?<o:p></o:p>=
</span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes,</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'> except for the following limited exemptions:<o:p></o:p=
></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt'><=
span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;mso-font-width:80%'>•<span style=3D'mso-spacerun:yes'>  </spa=
n></span><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>The rental of a unit in a multi-family dwelling with not
more than four units where the owner (or a member of the owner’s family) li=
ves
in one of the units<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt'><=
span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;mso-font-width:80%'>•<span style=3D'mso-spacerun:yes'>  </spa=
n></span><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>The rental of a room or rooms in a private house where =
the
owner (or a member of the owner’s family) lives in the house<o:p></o:p></sp=
an></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt'><=
span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>Lodging
owned or operated by private clubs which give preference to their members<o=
:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt'><=
span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>Religious,
charitable, or educational institutions or organizations which are operated,
supervised, or controlled by religious institutions or organizations that g=
ive
preference in real estate transactions to their members, provided the
organization does not exclude members of a protected category<o:p></o:p></s=
pan></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt'><=
span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>Single</span><span
style=3D'font-family:"Menlo Regular";mso-bidi-font-family:"Menlo Regular";
letter-spacing:-.1pt;mso-font-width:80%'>&#8209;</span><span style=3D'font-=
family:
Garamond-Light;mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;
mso-font-width:80%'>sex dormitories</span><span style=3D'font-family:Garamo=
nd-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'><o:p></o:p></span><=
/p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Discriminatory Practices</span></b><b><sp=
an
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>What are some common unlawful acts of discrimination?<o:p></o:p></span=
></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Refusi=
ng
to sell, rent or negotiate </span></b><span style=3D'font-family:Garamond-L=
ight;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>— It is against the=
 law
to take any of the following actions because a person is a member of one of=
 the
protected categories:<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
refuse to engage in a real estate transaction<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
refuse to rent or sell housing<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
discriminate in terms, conditions, or privileges for the sale or rental of
housing<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
refuse to receive or fail to transmit a bona fide offer to engage in a real
estate transaction<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
indicate that housing is not available when it actually is available<o:p></=
o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
discriminate by providing different facilities or services<o:p></o:p></span=
></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:13.5pt .5=
in .75in 1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
color:#47EA00;letter-spacing:-.1pt;mso-font-width:80%'>•<span
style=3D'mso-spacerun:yes'>  </span></span><span style=3D'font-family:Garam=
ond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>To
refuse to negotiate for housing</span><span style=3D'font-family:Garamond-L=
ight;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'><o:p></o:p></span><=
/p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'tab-stops:.25in .75in 1.0in 1.25in 1.5=
in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;color=
:#47EA00;
letter-spacing:-.2pt;mso-font-width:80%'>Steering</span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
letter-spacing:-.2pt;mso-font-width:80%'> — </span><span style=3D'font-fami=
ly:
Garamond-Light;mso-bidi-font-family:Garamond-Light;letter-spacing:-.15pt;
mso-font-width:80%'>Discouraging a person from seeking housing in a particu=
lar
community, neighborhood, or development because the person is or is not a
member of a protected category.<span style=3D'mso-spacerun:yes'>  </span>For
example, a real estate agent shows a black person housing in predominately
black neighborhoods and a white person housing in predominately white neigh=
borhoods.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'tab-stops:.25in .75in 1.0in 1.25in 1.5=
in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:243.0pt'>=
<b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;color=
:#47EA00;
mso-font-width:80%'>Interference, coercion, or intimidation</span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'> — Trying to limit the benefits of renting or buying
housing in an area because the person is a member of one of the protected
categories. This includes trying to coerce, threaten, intimidate, retaliate
against, or interfere in any way with the use and enjoyment of housing.<o:p=
></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:243.0pt'>=
<b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:243.0pt'>=
<b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;color=
:#47EA00;
mso-font-width:80%'>Discriminatory advertising</span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'> — Advertising or making any statement which indicates
directly or indirectly an intent to make a limitation, specification, or to
discriminate with respect to members of one of the protected categories.<o:=
p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:243.0pt'>=
<b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;color=
:#47EA00;
mso-font-width:80%'>Blockbusting</span></b><b><span style=3D'font-family:Ga=
ramond-Bold;
mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'> </span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>(also referred to as </span><i><span style=3D'font-fami=
ly:
Garamond-LightItalic;mso-bidi-font-family:Garamond-LightItalic;mso-font-wid=
th:
80%'>panic peddling</span></i><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>) — Trying, in a di=
rect
or subtle way, to scare a person into moving out of a neighborhood by
representing that a person from one of the protected categories is consider=
ing
or is in fact moving into the neighborhood. For example, stating that the
neighborhood would decline or that the crime rate would increase if members=
 of
a protected category moved into the neighborhood would be unlawful.<o:p></o=
:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-family:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;color:#47EA00;mso-font-wid=
th:
80%'>Redlining</span></b><span style=3D'font-family:Garamond-Light;mso-bidi=
-font-family:
Garamond-Light;mso-font-width:80%'> — Being denied or subjected to stricter
conditions in applying for a loan on property in a particular area because =
of
the racial composition of the area, including loans to purchase, construct,
improve, repair, or maintain housing.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
77%'>Can a person other than the seller or landlord be guilty of violating =
the
fair housing laws?</span></b><b><span style=3D'font-family:Garamond-Bold;
mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'><o:p></o:p></span></=
b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes.</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>Anyone involv=
ed in
the real estate transaction who discriminates based on a protected category=
 has
violated the fair housing laws.<span style=3D'mso-spacerun:yes'>  </span>For
example, a local banker informs a real estate agent that if the agent allows
anyone else with kids to move into the neighborhood, the bank will not do
business with the agent or the agent’s customers.<span
style=3D'mso-spacerun:yes'>  </span><o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Does an owner have to rent or sell to a person just because he or she =
is
in a protected category?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font-=
family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'> 
</span>Owners may rent or sell to whomever they choose as long as their
decisions are not based on the fact that a would</span><span style=3D'font-=
family:
"Menlo Regular";mso-bidi-font-family:"Menlo Regular";mso-font-width:80%'>&#=
8209;</span><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>be tenant or buyer is a member of a protected
category.<span style=3D'mso-spacerun:yes'>  </span>If someone from a protec=
ted
category becomes a tenant, the owner may hold that tenant to the same stand=
ard
of performance and behavior as everyone else.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can landlords protect themselves from complaints of discrimination when
they reject someone from a protected category?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Yes.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font=
-family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </spa=
n>A
landlord should have detailed standards for deciding who is acceptable as a
tenant and who is not.<span style=3D'mso-spacerun:yes'>  </span>However, th=
ese
standards may not be based upon a prospective tenant’s membership in a
protected category.<span style=3D'mso-spacerun:yes'>  </span>Such standards=
 are
particularly important in decisions to reject a tenant applicant because of
poor credit, and to place would</span><span style=3D'font-family:"Menlo Reg=
ular";
mso-bidi-font-family:"Menlo Regular";mso-font-width:80%'>&#8209;</span><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>be tenants on a “waiting list.”<span
style=3D'mso-spacerun:yes'>  </span>The landlord should then apply these
standards equally to every tenant applicant.<span style=3D'mso-spacerun:yes=
'> 
</span>If a waiting list is used, the landlord must make sure that every
applicant who is told that his or her name will be placed on the list is in=
deed
put there and that, as an applicant’s name comes up, the applicant is notif=
ied
of this fact.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Handicap</span></b><b><span style=3D'font=
-family:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'><o:p><=
/o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>What conditions are considered </span></b><b><i><span style=3D'font-fa=
mily:
Garamond-BoldItalic;mso-bidi-font-family:Garamond-BoldItalic;mso-font-width:
80%'>handicaps </span></i></b><b><span style=3D'font-family:Garamond-Bold;
mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>under the fair housi=
ng
laws?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><span style=3D'font-family:=
Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>A handicapping
condition exists if someone has a physical or mental impairment which s</sp=
an><i><span
style=3D'font-family:Garamond-LightItalic;mso-bidi-font-family:Garamond-Lig=
htItalic;
mso-font-width:80%'>ubstantially limits</span></i><span style=3D'font-famil=
y:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'> one=
 or
more major life activities.<span style=3D'mso-spacerun:yes'>  </span>Some
examples are:<span style=3D'mso-spacerun:yes'>  </span>physical disability,
mental illness or retardation, cerebral palsy, muscular dystrophy, cancer,
heart disease, Human Immunodeficiency Virus (HIV) infection or AIDS, drug
addiction (other than addiction caused by current, illegal use of a control=
led
substance) and alcoholism.<span style=3D'mso-spacerun:yes'>  </span>However=
, a
landlord does not have to rent to anyone, including a handicapped person, w=
ho
would constitute a genuine, direct threat to the health or safety of other
tenants or whose tenancy would result in substantial physical damage to the
property of others.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Does a landlord have to allow a handicapped person to make modificatio=
ns
to a rental unit?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes.</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span><span
style=3D'letter-spacing:-.1pt'>A landlord </span></span><i><span
style=3D'font-family:Garamond-LightItalic;mso-bidi-font-family:Garamond-Lig=
htItalic;
letter-spacing:-.1pt;mso-font-width:80%'>must allow</span></i><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
letter-spacing:-.1pt;mso-font-width:80%'> a handicapped person to make </sp=
an><i><span
style=3D'font-family:Garamond-LightItalic;mso-bidi-font-family:Garamond-Lig=
htItalic;
letter-spacing:-.1pt;mso-font-width:80%'>reasonable modifications</span></i=
><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
letter-spacing:-.1pt;mso-font-width:80%'> to the existing premises as neces=
sary
for the full enjoyment of the premises, such as widening doorways, installi=
ng
handrails, and installing wheelchair ramps.<span style=3D'mso-spacerun:yes'=
> 
</span>However, the handicapped person is responsible for the cost of the
modifications.<span style=3D'mso-spacerun:yes'>  </span><o:p></o:p></span><=
/p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><span style=3D'fon=
t-family:
Garamond-Light;mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;
mso-font-width:80%'>A landlord may condition permission to make modificatio=
ns
on the tenant’s agreeing to restore the </span><i><span style=3D'font-famil=
y:
Garamond-LightItalic;mso-bidi-font-family:Garamond-LightItalic;letter-spaci=
ng:
-.1pt;mso-font-width:80%'>interior</span></i><span style=3D'font-family:Gar=
amond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>
of the premises to the original condition if the modifications made by the
handicapped tenant would interfere with the next tenant’s reasonable use and
enjoyment of the property.<span style=3D'mso-spacerun:yes'>  </span>The lan=
dlord
may also withhold permission until seeing a description of the proposed
modifications which provides reasonable assurance that the modifications wi=
ll
be done in a workmanlike manner.<span style=3D'mso-spacerun:yes'>  </span>[=
Note:
All multifamily dwellings covered by the fair housing laws and ready for fi=
rst
occupancy after March 13, 1991, have to be designed and constructed so that
few, if any, modifications will be necessary.]<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'text-indent:.25in;mso-hyphenate:none;
tab-stops:1.0in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'=
><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
letter-spacing:-.1pt;mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can a landlord charge a higher security deposit to a handicapped person
who makes modifications to a rental unit?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font-=
family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'> 
</span>However, if the nature of the modifications is such as would interfe=
re
with the next tenant’s use and enjoyment of the property, and correction of=
 the
modifications would be especially costly, the landlord may, as part of a
restoration agreement between the landlord and tenant, require the tenant to
pay into an interest</span><span style=3D'font-family:"Menlo Regular";mso-b=
idi-font-family:
"Menlo Regular";mso-font-width:80%'>&#8209;</span><span style=3D'font-famil=
y:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>bear=
ing
escrow account a reasonable amount to cover restoration costs.<span
style=3D'mso-spacerun:yes'>  </span>The tenant would be entitled to any int=
erest
which accrues on the escrow account. <o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Does a landlord have to make other accommodations for a handicapped
tenant?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes.</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>A landlord mu=
st
make </span><i><span style=3D'font-family:Garamond-LightItalic;mso-bidi-fon=
t-family:
Garamond-LightItalic;mso-font-width:80%'>reasonable accommodations</span></=
i><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'> in rules, policies, practices, <a name=3D"_GoBack"></a=
>or
services as necessary to afford a handicapped person equal opportunity to u=
se
and enjoy a housing unit, including public and common use areas; for exampl=
e,
allowing a visually</span><span style=3D'font-family:"Menlo Regular";mso-bi=
di-font-family:
"Menlo Regular";mso-font-width:80%'>&#8209;</span><span style=3D'font-famil=
y:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>impa=
ired
tenant to have an aid dog in a community where no pets are allowed, and
allowing a tenant with a serious heart condition to have a reserved parking
space close to the tenant’s apartment.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>If a landlord has available units which are equipped for the handicapp=
ed,
does a handicapped person have to take one of those units?<o:p></o:p></span=
></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>No.</s=
pan></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>A landlord can
advise a handicapped person of the availability of specially equipped units,
but the handicapped person must be allowed to choose from any of the units =
which
are available.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Familial Status</span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can persons with children be denied housing on that basis? <o:p></o:p>=
</span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>No.</s=
pan></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>The fair hous=
ing
laws protect a person who (1) has a child under the age of 18, (2) has legal
custody of a child,<span style=3D'mso-spacerun:yes'>  </span>(3) is designa=
ted by
the parent to care for a child (provided that the designee has written
permission from the parent), (4) is pregnant, or (5) is in the process of
obtaining legal custody of a child.<span style=3D'mso-spacerun:yes'> 
</span>However, the fair housing laws do not protect persons denied housing
because they are single, married, or living with someone.<o:p></o:p></span>=
</p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Are “adults only” communities allowed?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No,</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font-=
family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'> 
</span>unless they qualify for one of the two exemptions which allow for
adults-only housing for elderly persons.<span style=3D'mso-spacerun:yes'> 
</span></span><i><span style=3D'font-family:Garamond-LightItalic;mso-bidi-f=
ont-family:
Garamond-LightItalic;mso-font-width:80%'>[Note: There are numerous requirem=
ents
which must be met to qualify for these exemptions.<span
style=3D'mso-spacerun:yes'>  </span>Contact the </span></i><b><i><span
style=3D'font-family:Garamond-BoldItalic;mso-bidi-font-family:Garamond-Bold=
Italic;
mso-font-width:80%'>North Carolina Human Relations Commission</span></i></b=
><i><span
style=3D'font-family:Garamond-LightItalic;mso-bidi-font-family:Garamond-Lig=
htItalic;
mso-font-width:80%'> for further details.] </span></i><span style=3D'font-f=
amily:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'><span
style=3D'mso-spacerun:yes'> </span>If a housing complex qualifies for the e=
lderly
person exemption, then it may discriminate based on familial status only.<s=
pan
style=3D'mso-spacerun:yes'>  </span>It may not discriminate on the basis of=
 any
of the other protected categories.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can an owner or agent segregate families with children from other tena=
nts?
<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font-=
family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </spa=
n>A
member of a protected category may not be assigned to a particular section =
of a
community, neighborhood or development, or to a particular floor of a build=
ing,
because of being a member of a particular category.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;lette=
r-spacing:
-.1pt;mso-font-width:80%'>Can a landlord or agent limit the number of child=
ren
allowed in a bedroom, or prohibit the sharing of bedrooms by children of the
opposite sex?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>No<span
style=3D'letter-spacing:-.1pt'>.</span></span></b><span style=3D'font-famil=
y:Garamond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'><span
style=3D'mso-spacerun:yes'>  </span>Although a landlord may set “occupancy
standards” for the </span><i><span style=3D'font-family:Garamond-LightItali=
c;
mso-bidi-font-family:Garamond-LightItalic;letter-spacing:-.1pt;mso-font-wid=
th:
80%'>number of people</span></i><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;letter-spacing:-.1pt;mso-font-width:80%=
'>
that will be allowed to live in a unit, the standards should not be based on
the age or sex of the individuals.<span style=3D'mso-spacerun:yes'> 
</span>[Note: The fair housing laws do not limit the applicability of any
reasonable local, State, or Federal restrictions regarding the maximum numb=
er
of persons permitted to occupy a housing unit.]</span><span style=3D'font-f=
amily:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'><o:p=
></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;letter-spacing:-.15pt;mso-font-width:80%'>Real Estate Agents =
and
Fair Housing</span></b><b><span style=3D'font-family:Garamond-Bold;mso-bidi=
-font-family:
Garamond-Bold;mso-font-width:80%'><o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>May a real estate agent discriminate at the direction of the owner?<o:=
p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>No.</s=
pan></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>Even if a real
estate agent has no discriminatory intent, the agent is in violation of the
fair housing laws when discriminating against persons from one of the prote=
cted
categories at the direction of the owner or lessor.<span
style=3D'mso-spacerun:yes'>  </span>Likewise, an agent is in violation if h=
e or
she knows that members of protected categories may be unlawfully rejected by
the owner or lessor. <o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>What should a real estate agent do if he or she finds out that the sel=
ler
or landlord intends to discriminate against a member of a protected categor=
y?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>The ag=
ent
should immediately terminate the agency relationship with the seller or
landlord. </span></b><span style=3D'font-family:Garamond-Light;mso-bidi-fon=
t-family:
Garamond-Light;mso-font-width:80%'>The agent should then send a letter to t=
he
seller or landlord stating that the relationship has been terminated and
explaining why.<span style=3D'mso-spacerun:yes'>  </span>Next, the agent sh=
ould
inform any other agents or other parties to the transaction that he or she =
no
longer represents the seller or landlord.<span style=3D'mso-spacerun:yes'> 
</span><o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can a real estate agent decline to show property in a particular area
because members of a protected category reside in that area?<o:p></o:p></sp=
an></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font-=
family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </spa=
n>This
is </span><i><span style=3D'font-family:Garamond-LightItalic;mso-bidi-font-=
family:
Garamond-LightItalic;mso-font-width:80%'>steering</span></i><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>, even if the buyer requests it.<span
style=3D'mso-spacerun:yes'>  </span>The real estate agent should inform the=
 buyer
that he or she can show property based on any of the buyer’s other criteria,
but not the presence or absence in the area of members of a protected categ=
ory.
</span><span style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garam=
ond-Light;
letter-spacing:-.1pt;mso-font-width:77%'><o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
letter-spacing:-.1pt;mso-font-width:77%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Is a real estate brokerage firm in violation of the fair housing laws =
if
one of its employees or agents unlawfully discriminates?<o:p></o:p></span><=
/b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Yes.<span style=3D'mso-spacerun:yes'>  </span><o:p></o:p></span></b></=
p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can a real estate agent answer questions about the characteristics of a
neighborhood if the questions concern one of the protected categories?<o:p>=
</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>A: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>No.<span style=3D'mso-spacerun:yes'>  </span><o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Is it a violation of the fair housing laws to deny an agent who is a
member of a protected category access to real estate related services?<o:p>=
</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes.</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>It is a viola=
tion
of the fair housing laws to deny a qualified real estate agent access to or
membership in any membership listing service, real estate brokers’ organiza=
tion
or other service, organization, or facility relating to the business of sel=
ling
or renting housing, because he or she is a member of one of the protected
categories.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Can a violation of the fair housing law affect a real estate agent’s
license?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><b><span style=3D'font-fami=
ly:
Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>Yes.</=
span></b><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </span>A violation o=
f the
fair housing laws is a violation of the North Carolina Real Estate License =
Law;
therefore, it could result in suspension or revocation of the agent’s licen=
se
by the North Carolina Real Estate Commission.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Enforcement of the <o:p></o:p></span></b>=
</p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;mso-font-width:80%'>Fair Housing Laws<o:p></o:p></span></b></=
p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'><o:p>&nbsp;</o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>What should I do if I suspect that I or someone else has experienced
unlawful discrimination in a housing transaction?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><span style=3D'font-family:=
Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>You may file a
complaint or notify the </span><b><span style=3D'font-family:Garamond-Bold;
mso-bidi-font-family:Garamond-Bold;mso-font-width:80%'>North Carolina Human
Relations Commission</span></b><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'> (NCHRC), 116 W. Jo=
nes
St., Suite 2109, Raleigh, N.C. 27601.<span style=3D'mso-spacerun:yes'> 
</span>(Phone: 919/807</span><span style=3D'font-family:"Menlo Regular";
mso-bidi-font-family:"Menlo Regular";mso-font-width:80%'>&#8209;</span><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>4420).<span style=3D'mso-spacerun:yes'>  </span>However=
, </span><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>the complaint must be filed within one year after the alleged violation
occurred.</span></b><span style=3D'font-family:Garamond-Light;mso-bidi-font=
-family:
Garamond-Light;mso-font-width:80%'><span style=3D'mso-spacerun:yes'>  </spa=
n>The
North Carolina Human Relations Commission will be glad to answer any questi=
ons
you may have.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:1.0in 1.2=
5in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in 3.25in'><b><span
style=3D'font-size:16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bi=
di-font-family:
Garamond-Bold;color:#47EA00;mso-font-width:80%'>Q: </span></b><b><span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>What happens after I file a complaint?<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><b><span style=3D'=
font-size:
16.0pt;line-height:120%;font-family:Garamond-Bold;mso-bidi-font-family:Gara=
mond-Bold;
color:#47EA00;mso-font-width:80%'>A: </span></b><span style=3D'font-family:=
Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>The NCHRC will
investigate to determine whether unlawful discrimination has occurred.<span
style=3D'mso-spacerun:yes'>  </span><o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><span style=3D'fon=
t-family:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>If it
has, the NCHRC will attempt to eliminate or correct the discriminatory prac=
tice
by informal conference, persuasion, or conciliation.<span
style=3D'mso-spacerun:yes'>  </span>If it is unable to resolve the matter:<=
span
style=3D'mso-spacerun:yes'>  </span>(1) you may request a right</span><span
style=3D'font-family:"Menlo Regular";mso-bidi-font-family:"Menlo Regular";
mso-font-width:80%'>&#8209;</span><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>to</span><span
style=3D'font-family:"Menlo Regular";mso-bidi-font-family:"Menlo Regular";
mso-font-width:80%'>&#8209;</span><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>sue letter so that =
you
may file a civil lawsuit; (2) the NCHRC may file a lawsuit for you; or (3) =
if
neither of the two previous options is taken, an administrative hearing may
take place where a final decision on the matter will be made.<span
style=3D'mso-spacerun:yes'>  </span>If the NCHRC fails to find that
discrimination has taken place, it will dismiss the complaint and issue a r=
ight</span><span
style=3D'font-family:"Menlo Regular";mso-bidi-font-family:"Menlo Regular";
mso-font-width:80%'>&#8209;</span><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>to</span><span
style=3D'font-family:"Menlo Regular";mso-bidi-font-family:"Menlo Regular";
mso-font-width:80%'>&#8209;</span><span style=3D'font-family:Garamond-Light;
mso-bidi-font-family:Garamond-Light;mso-font-width:80%'>sue letter.<o:p></o=
:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>Of course, you have the right to file a civil suit, at =
your
expense, at any time based on a violation of the fair housing laws without
filing a complaint with the NCHRC.<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><b><=
span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>The North Carolina Real Estate Commission<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><b><=
span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>P.O. Box 17100<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><b><=
span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Raleigh, North Carolina<span style=3D'mso-spacerun:yes'>  </span>27619=
-7100<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><b><=
span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>919/875-3700<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><b><=
span
style=3D'font-family:Garamond-Bold;mso-bidi-font-family:Garamond-Bold;mso-f=
ont-width:
80%'>Web Site: www.ncrec.gov<o:p></o:p></span></b></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'><o:p>&nbsp;</o:p></span></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><i><=
span
style=3D'font-size:8.0pt;line-height:120%;font-family:Garamond-LightItalic;
mso-bidi-font-family:Garamond-LightItalic;mso-font-width:80%'>00,000 copies=
 of
this public document were printed at a cost of $0.000 per copy. </span></i>=
<span
style=3D'font-size:7.0pt;line-height:120%;font-family:Garamond-Light;mso-bi=
di-font-family:
Garamond-Light;mso-font-width:80%'><o:p></o:p></span></p>

<p class=3DNoParagraphStyle align=3Dcenter style=3D'text-align:center'><span
style=3D'font-size:7.0pt;line-height:120%;font-family:Garamond-Light;mso-bi=
di-font-family:
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<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none;tab-stops:.75in 1.0=
in 1.25in 1.5in 1.75in 2.0in 2.25in 2.5in 2.75in 3.0in'><span
style=3D'font-family:Garamond-Light;mso-bidi-font-family:Garamond-Light;
mso-font-width:80%'>REC 3.30<span style=3D'mso-spacerun:yes'>   </span>6/1/=
12<o:p></o:p></span></p>

<p class=3DNoParagraphStyle style=3D'mso-hyphenate:none'><span style=3D'fon=
t-family:
Garamond-Light;mso-bidi-font-family:Garamond-Light;mso-font-width:80%'><o:p=
>&nbsp;</o:p></span></p>

<p class=3DMsoNormal><o:p>&nbsp;</o:p></p>

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