Core Principles
Intermediate9 min read

Fair Housing & Consumer Protection

Protected classes and the laws every agent must follow.

Fair housing law prohibits discrimination in housing. Violations carry serious penalties and license consequences — this is heavily tested and central to ethical practice.

Federal protected classes (Fair Housing Act)

  • Race
  • Color
  • Religion
  • National origin
  • Sex (including gender identity and sexual orientation)
  • Familial status
  • Disability

Prohibited practices

Steering
Directing buyers toward or away from neighborhoods based on a protected class.
Blockbusting
Inducing sales by claiming a protected group is moving into an area.
Redlining
Denying loans or services in certain areas based on protected characteristics.

Virginia's Fair Housing Law (Va. Code §36-96.3) protects MORE classes than the federal list. Beyond the federal classes it adds: elderliness (age), source of funds (e.g., housing vouchers), sexual orientation, gender identity, and military status. (Sexual orientation and gender identity were added in 2020; military status is also protected.) The full Virginia list: race, color, religion, national origin, sex, elderliness, familial status, source of funds, sexual orientation, gender identity, military status, and disability. Expect a state-portion question on the Virginia additions.

Key takeaways

  • Memorize the seven federal protected classes.
  • Steering, blockbusting, and redlining are illegal.
  • Virginia adds elderliness, source of funds, sexual orientation, gender identity, and military status as protected classes beyond the federal list.