### When was the Americans With Disabilities Act (ADA) passed into law? - [ ] 1980 - [ ] 1985 - [x] 1990 - [ ] 1995 > **Explanation:** The Americans with Disabilities Act (ADA) was enacted in 1990. It ensures that individuals with disabilities are not discriminated against in various public spheres, including housing and employment. ### Which of the following is NOT a public sphere affected by the ADA? - [ ] Housing - **[ ] Private social clubs - [ ] Public accommodations - [ ] Transportation > **Explanation:** The ADA affects many public spheres such as housing, public accommodations, government services, and transportation. However, private social clubs are generally not covered under the ADA. ### Who benefits from the protections provided by the ADA in the real estate industry? - [ ] Only first-time homebuyers - [ ] Just government employees - [x] Individuals with disabilities - [ ] Only renters > **Explanation:** The ADA ensures that individuals with disabilities have the same rights in the real estate market as those without disabilities, making discriminatory practices by lenders and other real estate actors illegal. ### What does the ADA ensure with regard to lending and individuals with disabilities? - [x] Equal access to financing - [ ] Subsidies for housing - [ ] Lower interest rates for disabled persons - [ ] Exclusive lender services for persons with disabilities > **Explanation:** The ADA makes it illegal for lenders to discriminate against borrowers based on disability, ensuring that individuals with disabilities have equal access to financing options just like anyone else. ### Is it legal for a lender to deny a loan solely because the borrower has a disability? - [ ] Yes, if the disability affects employment - [ ] Yes, if it's a private lender - [ ] Yes, if insurance won't cover it - [x] No, it is illegal > **Explanation:** Under the ADA, it is illegal for lenders to deny loans solely on the basis of a disability. Such actions constitute discrimination against individuals with disabilities. ### How does the ADA influence federal programs for first-time homebuyers? - [ ] It provides special disability grants. - [x] It guarantees that these programs are available to everyone, including individuals with disabilities. - [ ] It only applies to veterans with disabilities. - [ ] It has no impact on first-time homebuyer programs. > **Explanation:** The ADA ensures that federal programs designed for first-time homebuyers are equally available to individuals with disabilities, ensuring they are not excluded from these opportunities. ### What would be a violation of the ADA in the context of real estate lending? - [x] Refusing financing because of the applicant's disability - [ ] Charging a higher interest rate in general - [ ] Offering less favorable loan terms based on credit score - [ ] Denying a loan due to poor financial history > **Explanation:** Refusing to finance an applicant solely because of their disability is a direct violation of the ADA. The law protects individuals from such discriminatory practices. ### Which type of discrimination is made illegal under the ADA? - [ ] Age discrimination - [x] Disability-based discrimination - [ ] Ethnic discrimination - [ ] Gender-based discrimination > **Explanation:** The ADA specifically addresses and prohibits discrimination based on disability in various public sectors, including real estate. ### What aspect of housing does the ADA protect? - [ ] Only public housing - [x] Rights to access and purchase property - [ ] Real estate agent commissions - [ ] Home insurance availability > **Explanation:** The ADA protects the rights of individuals with disabilities to access and purchase property, ensuring they are not subject to discrimination based on their disability status. ### What sector is not directly mentioned as affected by the ADA? - [x] Private club memberships - [ ] Employment - [ ] Public accommodations - [ ] Government services > **Explanation:** While private club memberships are generally exempt from ADA regulations, the other sectors like employment, public accommodations, and government services are directly affected by the ADA.