Learning Objectives

• Identify the seven federally protected classes under the Fair Housing Act.
• Recognize prohibited discrimination in sales, rentals, advertising, brokerage, financing, appraisal, services, and land-use activity.
• Distinguish steering, blockbusting, redlining, false availability, discriminatory terms, harassment, and retaliation.
• Apply disability rules involving reasonable accommodations, reasonable modifications, assistance animals, direct-threat analysis, and accessible design.
• Explain familial-status protections and the limited housing-for-older-persons framework.
• Evaluate fair-housing risk across marketing, screening, showings, offers, management, lending, and complaint handling.
• Separate federal exam principles from Indiana civil-rights requirements awaiting current-authority verification.

Key Vocabulary

Term	Definition
Fair Housing Act	Title VIII of the Civil Rights Act of 1968, as amended, prohibiting specified housing discrimination.
Protected Class	Group protected from discrimination by a civil-rights law.
Steering	Directing or discouraging housing choices because of protected-class status.
Blockbusting	Inducing an owner to sell or rent for profit through representations about entry of protected-class members into an area.
Redlining	Discriminatory denial or restriction of housing-related services or credit because of an area’s protected-class composition or related prohibited basis.
Reasonable Accommodation	Change, exception, or adjustment to a rule, policy, practice, or service that may be necessary for equal housing opportunity for a person with a disability.
Reasonable Modification	Physical change to a dwelling or common area that may be necessary for a person with a disability to use and enjoy housing.
Assistance Animal	Animal that performs work, provides assistance, performs tasks, or provides disability-related support; it is not treated merely as a pet.
Disparate Treatment	Different treatment because of protected-class status.
Disparate Impact	Liability theory involving a facially neutral practice with an unjustified discriminatory effect, evaluated under governing law.
Familial Status	Federal protection associated with households involving one or more persons under 18, pregnancy, or securing custody, as statutorily defined.
Testing	Use of trained individuals posing as applicants or customers to compare housing treatment and gather evidence.
Retaliation	Coercing, threatening, intimidating, or interfering with a person for exercising or assisting with fair-housing rights.
Housing for Older Persons	Housing meeting statutory requirements for a familial-status exemption; it is not a general exemption from all fair-housing duties.

Chapter Opening

Fair housing is not a single disclosure delivered at closing. It governs the entire housing opportunity: who sees an advertisement, who receives accurate availability, which properties are shown, how applications are screened, what terms are offered, whether disability-related requests are evaluated, how residents are served, and whether anyone is punished for asserting rights.

Licensees and property managers are often the people who convert an owner’s goals into daily decisions. That makes consistent systems essential. “The owner told me to” is not a defense to discrimination. A professional refuses unlawful instructions, documents objective procedures, and escalates uncertain questions before harm occurs.

Core Lesson

1. Federal Protected Classes

The federal Fair Housing Act prohibits housing discrimination because of race, color, religion, sex, national origin, familial status, or disability. These seven categories are the national-exam foundation. State and local laws may protect additional classes or impose broader duties.

Protected status need not be the only factor in a decision for risk to arise. Fair-housing analysis examines statements, policies, comparisons, timing, records, and whether similarly situated people received different opportunities or terms.

2. Where the Fair Housing Act Applies

The Act reaches much more than a landlord’s final approval. It governs covered sales and rentals, advertising, brokerage services, residential real-estate-related transactions, financing, appraisal-related conduct, services and facilities connected with housing, and certain disability-related design and construction requirements.

Prohibited practices can occur before a person submits an application. A discriminatory advertisement, refusal to provide information, false statement that a unit is unavailable, or steering conversation can violate the law even if no lease is signed.

3. Refusal, Different Terms, and False Availability

Covered housing providers and professionals may not refuse to sell, rent, negotiate, or otherwise make housing unavailable because of protected status. They may not impose different prices, deposits, qualifications, services, repairs, rules, or privileges for a prohibited reason.

Objective criteria are allowed when lawful, relevant, and consistently applied. The concern is not that every applicant must be approved; it is that decisions may not be made or manipulated because of protected status.

4. Steering

Steering limits choice by directing, recommending, discouraging, or withholding options based on protected status. It can be obvious—“families belong on this side of town”—or subtle, such as showing different listings, describing one area as culturally suitable, or refusing to discuss properties in certain neighborhoods.

Answer factual questions with objective sources and let the consumer choose. A buyer asking for “a safe neighborhood with good schools” should receive neutral tools, public data sources, and an explanation that the licensee cannot choose communities based on protected-class composition.

5. Blockbusting and Redlining

Blockbusting uses fear about the entry or possible entry of protected-class members to induce sales or rentals for profit. Redlining describes discriminatory restriction of lending, insurance, appraisal, or other housing services tied to protected characteristics or neighborhood composition.

Practice	Core conduct	Exam cue
Steering	Directing housing choices	Where a buyer or renter is shown
Blockbusting	Inducing transactions through protected-class fear	“Sell before the neighborhood changes”
Redlining	Restricting services or credit by prohibited geographic proxy	Map or ZIP-based denial linked to protected status

6. Advertising and Statements

A housing notice, statement, or advertisement may not indicate a protected-class preference, limitation, or discrimination. The rule applies to words, images, targeting, audience selection, platform settings, directions, and coded phrases. Digital advertising does not change the standard.

Describe the property—not the preferred person. “Two-bedroom home with fenced yard and first-floor laundry” describes housing. “Perfect for young Christian couples” states age/familial and religious preferences. An equal-housing logo does not cure discriminatory text.

Discriminatory-statement rules deserve special attention because the federal private-owner exemptions do not simply authorize discriminatory advertising. A licensee should never assume an exempt transaction makes biased marketing safe.

7. Familial Status

Familial status protects qualifying households involving children under 18, a pregnant person, and a person securing legal custody, as defined by federal law. Providers should not segregate families, impose special deposits because children are present, advertise “adults only,” or enforce rules against children more harshly than legitimate health and safety needs require.

Occupancy policies require careful analysis. A numerical guideline is not an automatic safe harbor for every property. Unit size, configuration, code, physical limitations, ages of children, and evidence of discriminatory intent may matter under governing standards.

8. Housing for Older Persons

The federal framework permits a limited familial-status exemption for qualifying housing for older persons, including housing intended and operated for occupancy by persons 62 or older and qualifying 55-or-older communities that meet statutory requirements. Exact qualification, occupancy, policy, verification, and record rules must be confirmed.

This exemption concerns familial status; it does not permit discrimination based on race, color, religion, sex, national origin, or disability. A community cannot simply place “55+” in an advertisement and assume it qualifies.

9. Disability: Accommodation

A reasonable accommodation changes a rule, policy, practice, or service when the change may be necessary for a person with a disability to have equal opportunity to use and enjoy a dwelling. Requests do not require magic words or a special form. They may be made by the person or someone acting on the person’s behalf.

Examples include an exception to a parking rule, permission for an assistance animal despite a no-pets policy, an alternative communication method, or an adjustment to a transfer procedure. When disability and need are obvious, unnecessary verification should not be demanded. When they are not apparent, reliable information supporting the disability-related need may be requested within lawful limits.

1. Recognize the request.
2. Identify the disability-related housing need.
3. Request only permitted information when necessary.
4. Engage promptly and evaluate alternatives if the exact request is not feasible.
5. Approve, modify, or deny based on individualized facts and governing standards.
6. Document the process and protect confidential information.

10. Disability: Modification

A reasonable modification is a physical change, such as a ramp, grab bars, lowered controls, or another accessibility feature. Who pays, whether restoration may be required, and which design, permitting, and escrow conditions may apply depend on the property, program, law, and requested change.

Do not confuse the two concepts: accommodation changes a rule or service; modification changes the physical environment.

11. Assistance Animals

An assistance animal is not merely a pet. A person with a disability may request an exception to a no-pets rule, pet fee, breed policy, weight limit, or other animal restriction when the animal provides disability-related assistance or support and legal requirements are met.

The evaluation is individualized. A specific animal may be denied under governing standards when it poses a direct threat or would cause significant physical damage that cannot be reduced by another reasonable accommodation. Speculation, breed stereotypes, or generalized fear are not substitutes for an individualized assessment.

12. Direct Threat and Individualized Evidence

Fair-housing law does not require a provider to ignore an actual direct threat to people or substantial physical damage to property. But the conclusion must be based on reliable, objective, individualized evidence concerning the specific person or animal and current circumstances. The provider should consider whether a reasonable accommodation can eliminate or sufficiently reduce the risk.

A diagnosis, disability label, rumor, or prior stereotype does not by itself establish a direct threat.

13. Accessible Design and Construction

Covered multifamily dwellings with four or more units designed and constructed for first occupancy after March 13, 1991, are subject to federal design-and-construction requirements. The framework addresses an accessible building entrance on an accessible route, accessible public and common-use areas, usable doors, accessible routes into and through dwellings, reachable controls, reinforced bathroom walls for grab bars, and usable kitchens and bathrooms.

In elevator buildings, coverage generally extends to dwelling units in the building; in nonelevator buildings, it generally focuses on ground-floor units. Detailed applicability and technical standards require current professional review. Architects, designers, builders, developers, owners, and others may face responsibility; code approval alone does not guarantee federal compliance.

14. Sales, Brokerage, Lending, and Appraisal

Fair housing applies to brokerage services and residential real-estate-related transactions. A broker may not refuse service, divide territories, vary commission terms, hide listings, or provide unequal representation because of protected status. Lenders may not discriminate in availability or terms of covered credit. Appraisers may consider legitimate property and market factors but not protected-class composition.

The Equal Credit Opportunity Act also prohibits discrimination in credit on specified bases. When a fact pattern involves mortgage credit, evaluate both fair-housing and fair-lending law rather than assuming only one statute applies.

15. Harassment, Retaliation, and Interference

Discriminatory harassment can affect housing terms, conditions, privileges, services, or availability. Quid pro quo harassment conditions housing benefit on unwelcome conduct; hostile-environment harassment may arise from severe or pervasive conduct under governing standards.

It is unlawful to coerce, intimidate, threaten, or interfere with a person for exercising fair-housing rights or assisting another person. Retaliation can be a separate violation even when the underlying allegation is disputed. Staff must never punish a resident for requesting an accommodation, filing a complaint, participating in testing, or serving as a witness.

16. Exemptions Are Narrow and Fact-Specific

Federal law contains limited exemptions involving certain private-owner single-family transactions, qualifying owner-occupied small dwellings, religious organizations, private clubs, and housing for older persons. Each has conditions, and other laws may still apply.

Three exam controls are essential:

• The use of a real estate broker can defeat the federal private-owner single-family exemption.
• The owner-occupied small-dwelling exemption generally concerns a building with no more than four independent family units when the owner occupies one.
• The Civil Rights Act of 1866 independently prohibits race discrimination in property transactions and does not carry the Fair Housing Act’s private-housing exemptions.

Never promise an exemption without legal review. State or local law may remove or narrow a federal exemption.

17. Complaints, Testing, and Records

HUD’s Office of Fair Housing and Equal Opportunity investigates housing-discrimination complaints, and state or local fair-housing agencies may participate. The Department of Justice may bring enforcement actions, and private civil actions may be available. National exam materials commonly distinguish the federal administrative filing period from the private civil-action period, but current deadlines, tolling, and forum rules should be verified before advice is given.

Testing compares treatment. A tester does not need to complete a transaction for discriminatory statements or unequal service to matter. Good records should show availability, criteria, showing sequence, communications, decisions, accommodations, maintenance, and complaint handling. Records must be truthful and retained under applicable requirements.

18. A Fair-Housing Decision System

1. Identify the housing activity and governing programs.
2. Check federal, Indiana, and local protected classes.
3. Apply written criteria consistently.
4. Give accurate availability and equal service.
5. Recognize accommodation or modification requests promptly.
6. Protect confidential information.
7. Refuse discriminatory owner or supervisor instructions.
8. Document objective reasons and comparisons.
9. Escalate exemptions, direct-threat questions, harassment, retaliation, and complaints.

Learn It

Fair housing protects opportunity, not guaranteed approval. A provider may use legitimate criteria, but those criteria must be lawful, relevant, accurately measured, and consistently applied without protected-class manipulation.

Live It

Build fair housing into ordinary operations: neutral advertisements, complete listing feeds, consistent showings, written screening criteria, accessible communication, accommodation tracking, objective work-order priority, complaint escalation, and periodic file review.

Pass It

When an exam fact pattern mentions neighborhood composition, children, religion, disability, assistance animals, selective availability, different terms, fear-based solicitation, lending maps, or retaliation, pause and identify the protected opportunity before choosing an answer.

Indiana Law Spotlight

Partially verified as of August 25, 2026. Indiana Code Article 22-9.5 supplies the state fair-housing framework. Current Indiana Civil Rights Commission guidance identifies race, color, religion, sex, disability, national origin, ancestry, and familial status as protected classes in housing. The state framework reaches covered renting, buying, financing, advertising, terms, services, maintenance, and property-management activity.

IC 22-9.5-6-1 and current ICRC guidance provide a one-year period after an alleged discriminatory housing practice occurred or terminated for filing an Indiana administrative complaint. This is different from the 180-day period ICRC generally lists for several nonhousing complaint types. Federal HUD guidance likewise states that a federal administrative allegation generally must be filed within one year of the last discriminatory act, while a federal private lawsuit generally has a two-year filing period subject to stated exclusions. Students should identify the forum before selecting a deadline.

Indiana also has a specific emotional-support-animal chapter, IC 22-9-7. When a disability is not readily apparent, the statute permits qualifying written verification of disability, disability-related need, and how the animal assists. A housing provider may not charge a fee to maintain an emotional support animal, although the resident may still be held to generally applicable lease rules and responsible for animal-caused damage as the statute permits. HUD separately confirms that an assistance animal is not a pet and requires individualized accommodation analysis.

For licensees, 876 IAC 8-2-7 treats a final determination of unlawful discrimination under Indiana civil-rights law as incompetent practice. Fair housing is therefore both a civil-rights duty and a licensing-risk issue.

Practical brokerage application: Use property-focused advertising, provide identical availability information, document objective screening standards, recognize accommodation requests without requiring magic words, calendar complaint correspondence immediately, protect disability-related information, and escalate exemptions or denials before acting.

Verification queue: Exact Indiana exemptions, housing-for-older-persons qualifications, occupancy rules, remedies, hearings, tolling, appeals, local protected classes and source-of-income ordinances, complete emotional-support-animal procedures, program-specific requirements, technical accessibility questions, retention periods, and controlling decisions remain queued. No local protection, exemption, remedy, or fact-specific accommodation result is presented as automatic.

National Exam Alert

Memorize the seven federal classes and the conduct words: refuse, different terms, false availability, advertise, steer, blockbust, redline, harass, retaliate. Disability questions then add accommodation, modification, assistance animal, direct threat, and accessible design.

Common Exam Trap

Do not assume an owner’s preference is lawful, an equal-housing logo cures biased language, an assistance animal is a pet, every accommodation requires a form, children can be limited to one building, or a federal exemption eliminates state and local duties.

PASS FIRST Memory Trick

RCRSNFD: Race · Color · Religion · Sex · National origin · Familial status · Disability.
S-B-R: Steering directs, Blockbusting scares owners into transactions, Redlining restricts services by area.

Broker Insight

The safest fair-housing answer is usually not silence—it is objective service. Provide the same accurate options, ask the same housing-needs questions, use the same process, document the same facts, and let the consumer decide.

Tables & Comparison Charts

Issue	Incorrect shortcut	Professional response
Neighborhood request	Choose by protected-class composition	Offer objective sources and consumer-selected criteria
Availability	Give different answers to different people	Use current inventory and consistent disclosure
Advertising	Describe preferred occupants	Describe property features and lawful terms
Accommodation	Demand a special form or full medical file	Recognize the request and seek only permitted information
Assistance animal	Apply pet fees and breed rules automatically	Use individualized accommodation analysis
Direct threat	Rely on stereotype	Use objective current evidence and consider risk reduction
Complaint	Retaliate or alter records	Preserve records, continue equal service, escalate

Chapter Summary

• The federal Fair Housing Act protects race, color, religion, sex, national origin, familial status, and disability.
• Current ICRC guidance also identifies ancestry among Indiana's housing protected classes.
• Coverage extends across sales, rentals, advertising, brokerage, financing, appraisal-related activity, services, and specified design and construction.
• Steering directs choices, blockbusting induces transactions through fear, and redlining restricts services or credit through prohibited geographic discrimination.
• Advertising must describe housing rather than preferred people.
• Familial status protects qualifying households with children, pregnancy, and custody circumstances.
• Accommodation changes a rule or service; modification changes the physical environment.
• Assistance animals are evaluated through disability-accommodation rules, not ordinary pet policy alone; Indiana prohibits a fee to maintain a qualifying emotional support animal.
• Direct-threat decisions require individualized objective evidence.
• Indiana and federal administrative housing complaints generally have a one-year filing period; federal private actions generally have a two-year period subject to statutory exclusions.
• Retaliation and interference are independently prohibited.
• Exemptions are narrow, conditional, and may be limited by other federal, state, or local law.
• Fact-specific Indiana and local requirements remain in the legal-verification queue.

Quick Review

1. Can you name all seven federal protected classes?
2. Can you distinguish steering, blockbusting, and redlining?
3. Can you identify discriminatory advertising and false availability?
4. Can you separate accommodation, modification, and accessible design?
5. Can you apply assistance-animal and direct-threat rules?
6. Can you explain familial status and the limited older-persons exemption?
7. Can you recognize retaliation, harassment, testing, and complaint risk?
8. Can you explain why exemptions require careful federal, Indiana, and local review?

Practice Questions

1. Which is one of the seven federally protected classes under the Fair Housing Act?
   1. Occupation
   2. Familial status
   3. Education level
   4. Credit score
2. A broker shows families with children only homes near a playground while showing adults the full inventory. This is most likely:
   1. Redlining
   2. Blockbusting
   3. Reasonable accommodation
   4. Steering
3. An investor urges owners to sell by warning that members of a protected class are moving into the area. This is:
   1. Blockbusting
   2. Testing
   3. Appraisal
   4. Conciliation
4. A lender draws a map around a neighborhood and denies covered mortgage credit because of the area’s racial composition. This is classic:
   1. Steering
   2. Novation
   3. Redlining
   4. Amortization
5. Which advertisement is safest under federal fair-housing principles?
   1. Christian home seeking Christian buyer
   2. Two-bedroom home with first-floor laundry and fenced yard
   3. Adults only; no children
   4. Perfect for young singles
6. A rental agent tells one applicant no units are available while offering an available unit to a similarly qualified applicant of another national origin. The strongest issue is:
   1. Capitalization
   2. Accretion
   3. Subordination
   4. False availability and unequal treatment
7. A resident with a mobility disability requests a reserved parking-space exception near the entrance. This is most directly a request for:
   1. Reasonable accommodation
   2. Reasonable modification
   3. Blockbusting
   4. Redlining
8. A resident asks to install grab bars in the bathroom because of a disability. This is most directly a request for:
   1. Steering
   2. Testing
   3. Reasonable modification
   4. Appraisal review
9. A person requests an assistance animal where pets are prohibited. The manager should:
   1. Apply every pet fee automatically
   2. Use an individualized reasonable-accommodation process
   3. Deny every animal over the pet weight limit
   4. Require the animal to perform only physical tasks
10. Which fact best supports a direct-threat decision?
    1. A generalized fear about a disability
    2. A rumor from another resident
    3. A diagnosis alone
    4. Objective individualized evidence of current risk
11. The federal design-and-construction requirements generally concern covered multifamily dwellings with:
    1. Four or more units designed and constructed for first occupancy after March 13, 1991
    2. Exactly two units built in any year
    3. Only government-owned units
    4. Only detached single-family homes
12. A provider adopts stricter deposits only for households with children. This most directly raises concern about discrimination based on:
    1. National origin
    2. Religion
    3. Familial status
    4. Color
13. Which statement about housing for older persons is correct?
    1. It permits discrimination based on every protected class
    2. It is a conditional familial-status exemption requiring statutory qualification
    3. Any owner may declare a property 55+ without requirements
    4. It eliminates accessibility duties
14. An owner tells a licensee not to work with buyers of a certain religion. The licensee should:
    1. Comply because agency requires obedience
    2. Refer only those buyers elsewhere
    3. Keep the instruction secret
    4. Refuse the unlawful instruction and follow fair-housing obligations
15. Which conduct is retaliation?
    1. Nonrenewing a resident because the resident filed a fair-housing complaint
    2. Applying a lawful neutral rent increase to all comparable units
    3. Repairing a reported leak
    4. Providing complaint information
16. Two trained individuals of different protected-class status seek the same housing information so treatment can be compared. This is:
    1. Blockbusting
    2. Redlining
    3. Testing
    4. Conversion
17. A buyer asks the broker to identify neighborhoods with “people like us.” The best response is to:
    1. Choose an area based on race
    2. Provide objective property and community-information sources and let the buyer choose
    3. Ask the seller which groups are welcome
    4. Refuse to show any property
18. Which statement about a private-owner federal exemption is safest?
    1. It always permits discriminatory advertising
    2. It overrides every state law
    3. It applies whenever an owner requests it
    4. It is narrow, conditional, and may not apply when brokerage services are used
19. Race discrimination in property transactions may also be prohibited by:
    1. The Civil Rights Act of 1866
    2. The statute of limitations for contracts only
    3. The law of fixtures
    4. The rectangular survey system
20. An Indiana resident alleges housing discrimination that occurred eight months ago. Which statement about an ICRC administrative complaint is most accurate?
    1. The claim is automatically late because every ICRC complaint has a 180-day deadline
    2. The resident must wait until one full year has passed
    3. The complaint may still be timely because Indiana housing complaints generally have a one-year filing period
    4. Only a licensed broker may file a housing complaint

Detailed Answer Explanations

1. B. Familial status is federally protected. Occupation, education, and credit score are not themselves among the seven federal Fair Housing Act classes, though another law or discriminatory use of a criterion may matter.
2. D. Steering directs housing choices based on protected status. Giving families a reduced inventory limits equal choice even if the selected area appears desirable.
3. A. Blockbusting induces transactions for profit through protected-class fear. It is distinct from steering consumers and redlining services.
4. C. Redlining restricts housing-related credit or services through prohibited geographic discrimination. Legitimate property risk must be evaluated without protected-class proxies.
5. B. The property-focused description communicates features without indicating a preferred occupant. The other choices express protected-class preferences or limitations.
6. D. Providing false availability because of national origin violates equal housing opportunity. The other options are unrelated property or finance concepts.
7. A. The resident seeks an exception to a parking rule, so the request is an accommodation. A physical change would be a modification.
8. C. Installing grab bars changes the physical premises and is therefore a modification. Payment and restoration rules require separate analysis.
9. B. Assistance animals are evaluated through individualized accommodation rules. Ordinary pet fees, breed limits, and task-only assumptions cannot be applied automatically.
10. D. Direct-threat analysis requires objective, individualized, current evidence and consideration of whether accommodation can reduce risk. Stereotypes and diagnoses alone are insufficient.
11. A. The federal framework applies to covered multifamily dwellings with four or more units designed and constructed for first occupancy after the statutory date, subject to detailed coverage rules.
12. C. Special financial terms imposed because children are present directly implicate familial status.
13. B. Housing for older persons is a limited exemption from familial-status requirements when statutory conditions are met. It does not erase other protected classes or accessibility duties.
14. D. Obedience extends only to lawful instructions. A licensee must refuse religious discrimination and continue to meet fair-housing and brokerage duties.
15. A. Punishing a resident for filing or participating in a fair-housing matter is retaliation. A separate underlying violation need not be proven before the retaliation concern is analyzed.
16. C. Testing compares service, statements, availability, or terms. Testers can produce evidence even when they do not intend to complete a transaction.
17. B. Objective sources preserve consumer choice without steering by protected-class composition. The broker should not translate coded preferences into discriminatory selection.
18. D. Federal exemptions have exact conditions, and brokerage involvement can defeat the private-owner single-family exemption. Advertising, state, local, and other federal laws also require review.
19. A. The Civil Rights Act of 1866 independently prohibits race discrimination in property transactions and does not share the Fair Housing Act’s private-housing exemptions.
20. C. IC 22-9.5-6-1 and current ICRC guidance generally allow an administrative housing complaint within one year after the alleged discriminatory practice occurred or terminated. The 180-day period commonly applies to several other ICRC enforcement areas, so identifying housing as the forum is essential.

Mastery Checklist

• I can name all seven federal Fair Housing Act protected classes.
• I can identify discrimination in availability, terms, services, advertising, brokerage, lending, and appraisal-related conduct.
• I can distinguish steering, blockbusting, and redlining.
• I can respond objectively to neighborhood, school, safety, and demographic questions.
• I can explain familial status and the limited housing-for-older-persons framework.
• I can distinguish reasonable accommodation from reasonable modification.
• I can apply assistance-animal and individualized direct-threat principles.
• I can recognize the major accessible-design requirements for covered multifamily housing.
• I can identify harassment, retaliation, interference, and testing.
• I can explain why federal exemptions are narrow and do not erase other laws.
• I can separate national exam rules from Indiana and local requirements awaiting verification.
• I can answer at least 80% of the chapter assessment and explain why each distractor is less appropriate.