Florida Real Estate Practice Exam 2025 – 400 Free Practice Questions to Pass the Exam

Question: 1 / 400

Financial institutions must make credit available without discrimination of race in accordance with

The Civil Rights Act of 1866

The Real Estate Procedures Act

The Truth in Lending Act

The Equal Credit Opportunity Act

Financial institutions are prohibited from discriminating based on race in their lending practices by the Equal Credit Opportunity Act (ECOA). The Civil Rights Act of 1866 prohibits discrimination in the sale or rental of housing, but not specifically in credit lending. The Real Estate Procedures Act (RESPA) mainly deals with disclosures and settlements in home purchases, and the Truth in Lending Act (TILA) focuses on regulating credit and loan disclosures. Therefore, options A, B, and C are incorrect as they do not specifically address race-based discrimination in credit lending practices.

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