Student Handout: Post Salesperson 2020s
Deadline for Completion
Mississippi Real Estate Commission Mandatory Course
- 73-35-14.5. Temporary licenses; post-license education
The holder of a temporary license shall not be issued a permanent license until he has satisfactorily completed a thirty-hour post-license course prescribed by the commission and offered by providers specifically certified by the commission to offer this mandated postlicense education.
The holder of a temporary license shall complete the entire thirty-hour course within twelve (12) months of issuance of his temporary license; otherwise this temporary license shall automatically be placed on inactive status by the Mississippi Real Estate Commission.
If the holder of the temporary license does not complete the course and have his permanent license issued within one (1) year following the first day of the month after its issuance, the temporary license shall automatically expire and lapse.
A temporary license is not subject to renewal procedures in this chapter and may not be renewed.
Lesson Complexity: Standard
ABOUT THE INSTRUCTOR
LESLIE CLAUSON, CDEI, DREI
Real Estate Training Institute
2650 Beach Blvd., Suite 35
Biloxi, Mississippi 39531
Leslie has over 20 years of active real estate activities. She specializes in apartment complexes and 1031 tax-deferred exchanges. She began her career in Long Beach, California, and planned to retire after successfully investing in residential income-producing properties. Instead, Leslie and her husband, Broker Jim Clauson purchased the Real Estate Training Institute on the Gulf Coast of Mississippi in 2011. She has written and published four Mississippi specific real estate exam textbooks, four variations of pre-exam general information textbooks, and a book for the Tennessee exam. Leslie has had two 30-hour courses approved by ARELLO. In 2018, she connected the Myers-Briggs® theory of psychological types with her Continuing Education courses. Using her Myers Briggs® Practitioner License, she designed a certification series of real estate CE courses leading to the designation, “EXCEL Yourself” for real estate professionals.
Instructor Response Time: 24-48 hours
The primary goal of this course is to substantiate for licensees those responsibilities of which they must be fully informed and aware when dealing in a business relationship with each other and the public.
This course covers real estate information and issues that are important to the success of a first-year real estate professional. It provides the adult learner with an in-depth knowledge of real estate concepts such as agency, contracts, antitrust issues, agency relationships, prospecting, negotiations, environmental hazards, property condition disclosure, inspections, and time life management.
The post-license course for salesperson licensees shall be in the following subjects:
- Managing Earnest Money and Escrow/Trust Accounts
- Tools to Succeed
- Fair Housing and Ethics
- Intra/Inter-Office Confidentiality
- Environmental Hazards
- Financing the Dream and Keeping the Dream Alive
- Property Condition Disclosure
- This course is available for three months. Time begins at the date of registration.
- The course is available twenty-four hours a day.
- The course is self-paced.
- The course is self-contained and needs no additional study materials.
Criteria for Successful Completion of the Course
- Mississippi Real Estate License Law requires that adult learners complete 30 hours of instruction to receive a certificate of completion.
- Incomplete modules cause learners to drop below the required 30 hours. Learners are required to make up those hours.
- Hours missed must be made up in the same topic missed.
- Students are not allowed to sign-in or take the course for other students under any circumstances.
- The format of this program records active hours.
- Each module quiz score must reach 75% correct.
- A Completed survey at the end of the course must be completed and submitted.
- Completion Certifications will be dispersed upon completion of the survey.
Mississippi Jurisdictional Requirements Specific Requirements
- The state of Mississippi does not require any exams for this course.
- Nonetheless, Mississippi is an “ARELLO” state and requires online courses to be approved by ARELLO.
- ARELLO sets the standards for the Mississippi online courses and thus Incremental Quizzes are contained within this course.
Policy 9: Distance education courses are required to have assessments and use remediation within the course design.
There is no Final Exam.
Notification of Exam Results
Exam results to be emailed to the Learner.
Certificates of Completion
Upon passing the course, a Certificate of Completion is awarded to the learner. The student will receive an original certificate suitable for framing. A copy gets submitted to the Mississippi Real Estate Commission (MREC).
Registration Policies and Refunds
- Registrations confirmed with valid payment in full.
- Payment accepted is cash, money order, Visa, Discover, or MasterCard.
- No Refunds will be issued once this course has been started.
- A new computer is not necessary to attend this class.
- However, we do recommend a general comfort level with computers and the internet.
- Requirements for computers.
OS: Windows 7 and newer
- Firefox 61 and after (extended releases not supported)
- Chrome 68 and after
- Note: Internet Explorer and Edge are not recommended, and Safari for Windows is not supported
OS: Mac OSX 10.6 and newer
- Firefox 61 and after (extended releases not supported)
- Chrome 68 and after
- Safari 10 and after
- Note: Internet Explorer and Edge are not supported for Mac
- Note: Linux ChromeOS is also supported.
Students may use a mobile device such as a phone or tablet as a means of access.
Technical Support Availability and Contact Information
Students can contact the school Monday through Friday
9:00 AM to 4:00 PM
Real Estate Training Institute
Office Hours: 9 AM to 4 PM
There are three checkpoints within this course, at which time learners will describe the course experience.
The Real Estate Training Institute has tried its best to make our website 508 compliant. We have added several accessibility features to our website.
There is a panel on the left side of the webpage to adjust this site for easier accessibility.
Color contrast for color blind accessibility
Our graphic artist tested the initial course template and our example in-course graphics for adequate foreground and background color contrast to make the content accessible to learners with color blindness. This work helped us streamline our course development and avoid any severe structural issues later in the process.
Tabbing for screen reader accessibility
On the right side of this web site there is a sidebar panel capable of the following:
- Increase Text
- Decrease Text
- Readable Fonts
- Highlight Links
- Black/Yellow Contrast
- Keyboard Navigate
- Stop Animations
MODULE ONE: CONTRACTS
Introduction to Contract
Real Estate Contracts
2. Entitlement to Commission
A. Listing Agreements with Sellers
1) Exclusive Agency
2) Exclusive Right
B. Listing Agreements with Buyers
C. Entitlement to Commission
1) Procuring Cause
3. Unauthorized Practice of Law
2) Statute of Frauds
4. Seller Documents
B. Title Policy
E. Zoning and Variances
5. Provisions of real estate contracts
A. Contract Date
B. Parties to the Contract
a) Joint tenancy and Tenancy in Common
b) Sole Ownership
c) Tenancy by the Entireties
6. Earnest Money Deposits
B. Form of Funds
C. Notes as earnest money
D. When the licensee is the buyer
7. Legal Descriptions
8. Purchase Price and Method of Payment
9. Financing Terms
A. Buyer financial statement for seller review
B. Buyer pre-qualification
C. Time limits for loan approval
D. Owner occupied
E. Conditional on buyer loan approval
F. Specify loan documents buyer must execute
10. Specify Financing Terms
A. Cash Sale
B. Seller to carry first mortgage
C. New conventional first mortgage
D. Straight non amortized second
E. VA loan
F. FHA loan
G. Adjustable rate loans
H. Loan assumptions
11. Chattel and Fixture Inclusion
12. Evidence of Title
13. Date of Closing
14. Proration expenses and income
15. Possession of Property
16. Time allowed for acceptance
17.Specific Performance vs. Liquidated Damages
18. Liquidated damages
19.Rescission on Breach
21. Specific Performance
22. Miscellaneous Issues Regarding Sale Contracts
A. Special assessment
B. Licensee acting as buyer or seller
C. Contingent on the sale of the buyer’s property
D. Right of first refusal
E. Contingent on property inspection
F. Conditional on spouse’s approval
G. Arbitration clause
H. Signing and acknowledgment
I. Number of copies needed
A. Psychologically Impacted or stigmatized properties
B. Statutory duty of Seller to disclose
1) Lead based paint disclosure
2) Mold and waiver
3) Restrictive covenants
24. Other Contracts
A. Lease purchase agreement
B. Option contract
C. Agreement for deed
25. Johnson v. Davis
A. Brief summary
B. Synopsis of rule of law
D. Held. Affirmed
26. TITLE 15 – LIMITATIONS OF ACTIONS AND PREVENTION OF FRAUDS
Statutes of Limitations and Breach of Contract
1. Minor Breach (non-material breach)
2. Material Breach
3. Anticipatory Breach
4. Compensatory damages
5. Expectation Damages
6. Consequential Damages
7. Nominal Damages
MODULE TWO: Managing Earnest Money and Escrow/Trust Accounts
Introduction to Managing Escrow Accounts
Basics of Escrow and Earnest Money Deposits
2. Timely Deposits of funds
4. Broker’s records
5. Transaction failure
IREBBEA and the Beneficiaries
2. IREBEA Beneficiaries
A. Habitat for Humanity
B. Fuller Center for housing
1. Mortgage closing scams
2. How to know if you’ve been hacked
3. What to do if you’ve been hacked
A. Change password
B. Check the advice of your email provider or social networking site has about restoring your site
C. Check your account settings
D. Tell your friends
4. How to protect your computer
A. Keep firewall turned on
B. Install and update your antivirus software
C. Install and update your antispyware technology
D. Keep your operating system up to date
E. Be careful what you download
F. Turn off your computer
5. Scams against small business
6. Cybersecurity basics for small business
A. Internet fraud
1) Business email compromise (BEC)
2) Data Breach
3) Denial of Service
4) Email account compromise
7. Cybercrime- FBI
A. Key Priorities
B. Computer and network intrusions
8. Old Fashion Fraud Owner of Real Estate Escrow company indicted for bank, wire and mail fraud
A. Lori Lynn Andrew
C. Final Order
9. Homebuyers Beware: Billion Dollar Phishing scam hits Maine
10. Real Estate Wire Fraud is rampant
11. Onondaga County DA issues warning of increased direct deposit phishing scams
12. Breaking News: Email Phishing attempt with NAR
13. Biglaw Firm Duped into wiring money to scam account, Loses 2.5 million in cyber breach
Nathan E. Hardwick IV and the DOJ
1. Nathan E. Hardwick IV
2. Asha Maurya
3. counts one (1) through twenty-four (24)
4. effects on victims
5. court decision
6. trust funds
MODULE THREE: Agency
Introduction to Agency
D. Single agency
E. Disclosed dual agency
2. Types of Agents
3. Creation of Agency
4. Seller Brokerage Listing Agreements
5. Fiduciary Responsibilities
6. Termination of agency
7. Consumer level services
8. First substantive meeting
9. Opinion vs. fact
C. Negligent misrepresentation
D. Negligent omission
10. Property Disclosure
A. Latent defects
B. Stigmatized property
C. Environmental hazards
11. General procedures
A. Listing Agency
B. Buyer’s Agent
12. Agency Relationship Disclosure RULE 4.1 Mississippi
5) Fiduciary responsibilities
6) First Substantive Meeting
13. Disclosure Requirements
A. Agency Disclosure Form
B. Disclosure Exception
14. MISSISSIPPI 89-1-519. Agent; extent of agency
A. Material facts
B. Non-material facts
15. Definition of Dual Agency
16. National Updates on Dual Agency
What’s New in Residential Real Estate Brokerage Agency (Part 1)
1. MLS Rules
3. Compass Real Estate
A. Anti-rebate laws
5. Listing date technologies
6. Listing Competition
7. Brokerage Cooperative
A. IDX and VOW sites
What’s New in Residential Real Estate Brokerage Agency (Part 2)
2. Purple Bricks
A. Flat fee brokerages
3. Buyer Rebates
1. Flat fee 2500
5. ERA Affiliates
6. Discounted or Agent Compensation Model
7. Value Proposition
What’s New in Residential Real Estate Brokerage Agency (Part 3)
1. Consumer Federation of America
A. Insufficient price competition
I-Buyers – A Popular Emerging Model
1. Top 5 Ibuyers
D. Zillow Instant Offers
Tools to Succeed
Introduction to Tools to Succeed
Advertising and Marketing on the Internet
1. General Offers and Claims
A. FTC Act Section 5
2. Deceptive advertising
A. What truth in advertising rules apply to advertisers?
B. What makes advertising deceptive?
C. What makes advertising unfair?
D. How does the FTC decide if an ad is deceptive?
E. What kind of evidence must a company have to support the claims in its ads?
3. Reasonable basis
4. FTC’s roll in Advertising
A. honest and fair advertising
B. how to file a complaint
5. MREC requirements
5. Making the Plan
Understanding Your Customer
2. Course Topics
A. Researching Your Customers
B. Describing Your Customers
C. Adjusting Your Market Mix
3. Why is it Important to Understand Customers?
4. Researching Your Customers
5. Six Questions for Buying Behavior
6. How to Identify Customers and Their Needs
A. Market Research Data
B. Knowledge Review
C. Track Customer Experiences
7. Recognize Customer Range of Choices
A. What Drives Consumer Buying Decisions?
8. Describing Your Customers
A. Create Personas
9. Understand Customer Intent
A. Four Steps to Finding Customer Intent
1) Step 1: Identify where the customer starts.
2) Step 2: Collect all customer actions data available.
3) Step 3: Study patterns.
4) Step 4: Use data as research in lieu of expensive surveys.
10. Anticipate Customer Needs
11. Understanding Your Unique Value Proposition
12. DEFINE the Need
13. EVALUATE Your Solution
14. MEASURE Benefits vs. Drawbacks
15. BUILD Your Unique Value Proposition
A. Adjusting Your Marketing Mix
16. Identify New Areas of Expansion
A. Step 1: Define the New Target
B. Step 2: Research the Target
C. Step 3: Make the ‘Go/No-Go’ Decision
1. reasons people move
2. open house
3. open probe and closed probe questions
4. locating prospects
5. proactive and reactive prospecting
What have you learned?
Open Ended Question
Fair Housing and Ethics
Introduction to Fair Housing
Reflections of the Fair Housing Act
1. Video highlighting the struggle of the Fair Housing Act. Introduced by HUD Secretary Ben Carson
Fair Housing Always
1. Who is protected?
2. Types of Housing Covered
3. What is prohibited
Sexual Harassment in Housing
1. Quid pro quo
2. Hostile environment
Protection for Persons with Disabilities
1. Rights and Obligations
2. Section 504
3. Reasonable Accommodations
Rules Against Children are Discriminatory
1. Who is protected?
2. Examples of Familial Status Discrimination
3. Additional Resources
4. Memorandum on the Fair Housing Act and Lead Based Paint
Housing for Older Persons
1. What are the “55 or Older” Exemptions
2. How to qualify a community
Housing Choice Voucher Program Section 8
1. What are housing choice vouchers?
2. Am I eligible?
3. How do I apply?
4. Local preferences and waiting list
5. how do they function?
6. Roles – the tenant, the landlord, the HUD Additional Information
7. PART 982—SECTION 8 TENANT-BASED ASSISTANCE: HOUSING CHOICE VOUCHER PROGRAM
American with Disabilities Act
2. companies whom must abide by ADA
3. U.S. Equal Employment Opportunity Commission
4. Undue Hardship
MODULE SIX: Antitrust
Introduction to Antitrust
Guide to Antitrust
1. Sherman Act of 1890
2. Clayton Act
3. FTC Role in Real Estate Competition
5. Fred Meyer Guides
Famous Antitrust Lawsuits
1. Rockefeller’s Standard Oil
CHRISTOPHER MOEHRL Lawsuit
1. Basis for suit
2. Basis for relief sought
3. Class Action Complaint
4. Plaintiffs and Defendants
MODULE SEVEN: Intra/Inter Office Confidentiality
Introduction to Intra/Inter Confidentiality
Intra Office Confidentiality Overview
1. confidentiality training
2. exit procedures
Data Breach – PROTECTING PERSONAL INFORMATION
1. safeguarding data
2. data protection
3. electronic security measures
Cyber Security Glossary
2. Anti-Virus Software
11. Blacklisting Software
12. Blended Threat
16. Brute Force Attack
17. Clear Desk Policy
18. Clear Screen Policy
20. Credit Cyberbullying
23. Debit Card
24. Denial of Service Attack
25. Dictionary Attack
26. Digital Certificate
27. Domain Hijacking
28. Domain Name System (DNS)
29. Dumpster Diving
30. Electronic Infections
32. End User License Agreement (EULA)
33. File-Sharing Programs
39. Hybrid Attack
40. Instant Messaging (IM)
41. IP (Internet Protocol) Address
42. Internet Service Provider (ISP)
43. Keystroke Logger
45. Man-In-the-Middle Attack
46. Monitoring Software
48. Operating System (OS)
50. Password Cracking
51. Password Sniffing
57. Shoulder Surfing
59. Social Engineering
60. Social Networking Websites
65. SSL (Secure Socket Layer)
66. Trojan Horse
68. URL Obfuscation
72. Whitelisting Software
74. Zombie Computer
Securing Wireless Networks
1. risks to wireless networks
2. plan for minimizing risks to wireless networks
What have you learned?
Open Ended Question
MODULE EIGHT: Environmental Hazards
Introduction to Environmental Hazards
The Comprehensive Environmental Response, Compensation, and Liability Act
1. What is Superfund?
2. National Priorities List
3. Superfund Remedial Investigation/Feasibility Study (Site Characterization)
4. Superfund Site Reuse/Redevelopment
5. Superfund History
Superfund in Mississippi
1. List of Superfund Sites in Mississippi
2. News Releases from Region 04
3. Grenada Manufacturing, LLC, Facility Cleanup and Environmental Studies in Grenada, MS
4. MISSISSIPPI PHOSPHATES CORPORATION
1. Moisture Control
2. Resources for Flood Cleanup and Indoor Air Quality
3. Flood Cleanup – Protecting Indoor Air Quality
4. What is mold?
5. How do molds affect people?
1. Radon is a health hazard with a simple solution.
2. Protect Yourself and Your Family from Radon
3. More Ways to Take Action
Lead Based Paint
1. What is lead based paint?
2. Where is lead found?
3. Who is at risk?
4. What are the health effects of lead?
b) Pregnant Women
c) Older Adults
Renovation and Demolition Requirements / Asbestos
1. Where Can I Find Asbestos?
2. Where asbestos may be found:
3. How Can People Be Exposed to Asbestos?
4. Health Effects from Exposure to Asbestos
5. Disease symptoms may take many years to develop following exposure.
6. Three of the major health effects associated with asbestos exposure
7. Operations and Maintenance (O&M) Guidance
The Flint Drinking Water Crisis
1. The Flint Crisis begins
2. The Leaked Memo
3. State of Michigan Commitment to the city of Flint
What have you learned?
MODULE NINE: Financing the Dream and Keeping the Dream Alive
Introduction to Financing the Dream and Keeping the Dream Alive
Basic Concepts and Terminology
1. Abstract of Title
2. Acceleration Clause
3. Adjustable Rate Mortgage
4. Adjusted Gross Income
5. Adjustment Interval
7. Annual Percentage Rate (APR)
8. Assessed Valuation
9. Balloon (Payment) Mortgage
10. Basis Point (bp)1/100th of 1% (0.01%
11. Biweekly Mortgage
12. Bridge Loan
15. Cash Out
16. Cash Reserves
17. Capital Expenditures
18. Capitalization Rate
19. Cash Reserves
20. Cash to Close
21. Certificate of Eligibility
22. Certificate of Title
23. Closing Agent
24. Closing Costs
25. Closing Documents
26. Closing Statement
28. Combined Loan-to-Value Ratio (CLTV)
30. Commitment Fee
31. Commitment Letter
33. Comparative Market Analysis
35. Conforming Loan
36. Conventional Mortgage
39. Credit Report
40. Debt-to-Income Ratio
41. Debt Service
42. Debt Service Coverage Ratio (DSC)
43. Declining Percentage
44. Deed of Trust
47. Deficiency Judgement
49. Department of Veterans Affairs (VA)
50. Discount Point
51. Down Payment
52. Due Diligence
53. Due-on-Sale Clause
54. Earnest Money
56. Engineering Report
57. Environmental Report
58. Environmental Risk
59. Equal Credit Opportunity Act (ECOA)
61. Equity Capital
63. Fair Credit Reporting Act (FCRA)
64. Fair Market Value
66. FHA Loan
67. Flood Certification
68. Floor-To-Area Ratio (FAR)
70. Forward Commitment
71. Freddie Mac (FHLMC)
72. Gift Letter
73. Graduated Payment Mortgages (GPM)
74. Growing Equity Mortgage
75. Hard Money
76. Home Equity Line-of-Credit (HELOC)
79. Interest Rate
80. Interest Rate Cap
81. Junior Debt
82. Lease Assignment
83. Lender Buy-Down Mortgage
85. Lifetime Cap
86. Line of Credit
87. Loan Origination Fee
88. Loan-to-Value Ratio (LTV)
90. Lock-Out Period
93. Mortgage Insurance
94. Mortgage Note
97. Multi-Family Property Class A
98. Multi-Family Property Class B
99. Multi-Family Property Class B
100. Negative Amortization
101. Net-Net Lease (NN)
102. Net-Net Lease (NN)
104. Notice of Default (NOD)
105. Operating Expenses
106. Percentage Lease
107. Phase I
109. Planned Unit Development (PUD)
110. Preliminary Title Report
111. Prepayment Penalty
115. Property Classification
116. Property Tax
117. Qualifying Ratios
118. Rate Lock Option
119. Re Real Estate Owned (REO)
120. Real Estate Investment Trust (REIT)
121. Real Estate Settlement Procedures Act (RESPA)
122. Recording Fee
124. Rent Step-Up
125. Reserve Funds
126. Sale/Lease Back
127. Satisfaction of Mortgage
129. Second Mortgage
130. Secondary Mortgage Market
131. Standby Commitment
132. Structural Report
133. Subprime Loan
134. Tax & Insurance Impound
135. Tenant Improvements (TI)
138. Title Insurance
139. Title Search
140. Transfer Tax
141. Triple – Net Lease
142. Truth-in-Lending Act
144. Uniform Residential Loan Application (1003)
145. VA Loan
147. Yield Maintenance
148. Yield-To-Average Life
151. Zero Point Option
Understanding Credit Reports and Scores
1. At a Glance
2. Why do credit report scores matter?
3. Credit Reports
A. What’s in a credit report
B. How is my credit used?
C. Negative information
4. Chapter 7 Bankruptcy
5. Chapter 13 Bankruptcy
6. Charge Off
7. Requesting a Free Credit Report
8. Reviewing Your Credit Report
9. Disputing Errors
A. Getting Ready
B. Submitting the Dispute
C. Waiting for the Mistakes to Get Fixed
D. If you disagree with the. Results
10. Build Habits for Getting and Keeping Good Credit
Lending Process: Application Through Closing
3. Loan Officer
6. Loan Application
7. Loan Approval
8. Loan Balance
9. Loan Calculator
10. Loan Guidelines
11. Credit report
12. Fico score
13. Annual Income
15. Loan Estimate Explainer
16. Mortgage Closing
17. Origination Fee
18. Discount Points
19. Down Payment
22. Joint Loan
23. Monthly payment
24. Second mortgage
26. Good Faith Estimate
27. Financing and Credit Laws and Rules
A. Equal Credit Opportunity Act
C. Bait and Switch
28. Truth in Lending
A. Regulation Z
1) Trigger Terms
2) Right of Rescission
A. Good Faith Estimate
B. Closing Disclosure
30. Equal Credit Opportunity
A. When You Apply For Credit
1) Creditors May Not
I. Ask for information about your spouse, except: When Deciding To Grant You Credit Or When Setting The Terms Of Credit, Creditors May Not…
II. Consider your age, unless:
III. Consider whether you have a telephone account in When Evaluating Your Income, Creditors May Not…
B. You Also Have The Right To…
31. Definitions in the Fair Lending Pamphlet
32. CFPB/TRID rules on financing and risky loan features
33. Revised Loan Estimate
B. Qualification Ratio
C. Back-end Ratio
D. Front-end Ratio
Types of Loans
A. FHA Insured
1) How is FHA funded?
2) FHA Loan Limits
B. About VA Guarantee Home Loans
1) Home loan eligibility
2) VA Home Loan Guarantee
3) Interest Rate Reduction Refinance Loan (IRRRL)
4) Native American Direct Loan (NADL) Program
5) Adapted Housing Grants:
6) Eligibility Requirements
a) Certificate of Eligibility
b) Certificate of Reasonable Value (CRV)
C. USDA/rural loan programs
1) FARM OWNERSHIP LOANS
2) RURAL HOUSING SERVICE
D. Conventional Loan
E. Jumbo Loan
3. Blanket Mortgage
4. Construction Loan
5. Home Equity Line of Credit
6. Open Mortgage
7. Open Ended Mortgage
8. Package Mortgage
9. Purchase Money Mortgage
10. Sales Leaseback
11. Shared Equity Mortgage
12. Temporary Loan
13. Wrap Around Mortgage
What have you learned?
Open Ended Question
MODULE TEN: Property Condition Disclosure
Introduction to Property Condition Disclosure
Property Condition Disclosure Law
1. SELLER’S STATEMENT OF EXCLUSION FROM COMPLETING THE PROPERTY CONDITION DISCLOSURE STATEMENT (PCDS)
2. SELLER’S STATEMENT OF EXCLUSION FROM COMPLETING THE PROPERTY CONDITION DISCLOSURE STATEMENT (PCDS)
3. Property Condition Disclosure Statement
Stambovsky v. Ackley and Module Quiz
1. Facts and Prior History
2. Majority Opinion
3. Dissenting Opinion
A. Ghost Stories
5. The house – history and today
PART 982—SECTION 8 TENANT-BASED ASSISTANCE: HOUSING CHOICE VOUCHER PROGRAM
- 982.1 Programs: purpose and structure.
§982.5 Notices required by this part.
- 982.51 PHA authority to administer program.
§982.52 HUD requirements.
§982.53 Equal opportunity requirements and protection for victims of domestic violence, dating violence, sexual assault, or stalking.
§982.54 Administrative plan.
- 982.101 Allocation of funding.
§982.102 Allocation of budget authority for renewal of expiring consolidated ACC funding increments.
§982.103 PHA application for funding.
§982.104 HUD review of application.
- 982.151 Annual contributions contract.
§982.152 Administrative fee.
§982.153 PHA responsibilities.
§982.154 ACC reserve account.
§982.155 Administrative fee reserve.
§982.156 Depositary for program funds.
§982.157 Budget and expenditure.
§982.158 Program accounts and records.
§982.159 Audit requirements.
§982.160 HUD determination to administer a local program.
§982.161 Conflict of interest.
§982.162 Use of HUD-required contracts and other forms.
§982.163 Fraud recoveries.
- 982.201 Eligibility and targeting.
§982.202 How applicants are selected: General requirements.
§982.203 Special admission (non-waiting list): Assistance targeted by HUD.
§982.204 Waiting list: Administration of waiting list.
§982.205 Waiting list: Different programs.
§982.206 Waiting list: Opening and closing; public notice.
§982.207 Waiting list: Local preferences in admission to program.
- 982.301 Information when family is selected.
§982.302 Issuance of voucher; Requesting PHA approval of assisted tenancy.
§982.303 Term of voucher.
§982.304 Illegal discrimination: PHA assistance to family.
§982.305 PHA approval of assisted tenancy.
§982.306 PHA disapproval of owner.
§982.307 Tenant screening.
§982.308 Lease and tenancy.
§982.309 Term of assisted tenancy.
§982.310 Owner termination of tenancy.
§982.311 When assistance is paid.
§982.312 Absence from unit.
§982.313 Security deposit: Amounts owed by tenant.
§982.315 Family break-up.
§982.316 Live-in aide.
§982.317 Lease-purchase agreements.
- 982.351 Overview.
§982.352 Eligible housing.
§982.353 Where family can lease a unit with tenant-based assistance.
§982.354 Move with continued tenant-based assistance.
§982.355 Portability: Administration by initial and receiving PHA.
- 982.401 Housing quality standards (HQS).
§982.402 Subsidy standards.
§982.403 Terminating HAP contract when unit is too small.
§982.404 Maintenance: Owner and family responsibility; PHA remedies.
§982.405 PHA initial and periodic unit inspection.
§982.406 Use of alternative inspections.
§982.407 Enforcement of HQS.
- 982.451 Housing assistance payments contract.
§982.452 Owner responsibilities.
§982.453 Owner breach of contract.
§982.454 Termination of HAP contract: Insufficient funding.
§982.455 Automatic termination of HAP contract.
§982.456 Third parties.
- 982.501 Overview.
§982.503 Payment standard amount and schedule.
§982.504 Payment standard for family in restructured subsidized multifamily project.
§982.505 How to calculate housing assistance payment.
§982.506 Negotiating rent to owner.
§982.507 Rent to owner: Reasonable rent.
§982.508 Maximum family share at initial occupancy.
§982.509 Rent to owner: Effect of rent control.
§982.510 Other fees and charges.
§982.514 Distribution of housing assistance payment.
§982.515 Family share: Family responsibility.
§982.516 Family income and composition: Annual and interim examinations.
§982.517 Utility allowance schedule.
§982.521 Rent to owner in subsidized project.
- 982.551 Obligations of participant.
§982.552 PHA denial or termination of assistance for family.
§982.553 Denial of admission and termination of assistance for criminals and alcohol abusers.
§982.554 Informal review for applicant.
§982.555 Informal hearing for participant.
- 982.602 SRO: Who may reside in an SRO?
§982.603 SRO: Lease and HAP contract.
§982.604 SRO: Voucher housing assistance payment.
§982.605 SRO: Housing quality standards.
- 982.606 Congregate housing: Who may reside in congregate housing.
§982.607 Congregate housing: Lease and HAP contract.
§982.608 Congregate housing: Voucher housing assistance payment.
§982.609 Congregate housing: Housing quality standards.
- 982.610 Group home: Who may reside in a group home.
§982.611 Group home: Lease and HAP contract.
§982.612 Group home: State approval of group home.
§982.613 Group home: Rent and voucher housing assistance payment.
§982.614 Group home: Housing quality standards.
- 982.615 Shared housing: Occupancy.
§982.616 Shared housing: Lease and HAP contract.
§982.617 Shared housing: Rent and voucher housing assistance payment.
§982.618 Shared housing: Housing quality standards.
- 982.620 Manufactured home: Applicability of requirements.
§982.621 Manufactured home: Housing quality standards.
- 982.622 Manufactured home space rental: Rent to owner.
§982.623 Manufactured home space rental: Housing assistance payment.
§982.624 Manufactured home space rental: Utility allowance schedule.
- 982.625 Homeownership option: General.
§982.626 Homeownership option: Initial requirements.
§982.627 Homeownership option: Eligibility requirements for families.
§982.628 Homeownership option: Eligible units.
§982.629 Homeownership option: Additional PHA requirements for family search and purchase.
§982.630 Homeownership option: Homeownership counseling.
§982.631 Homeownership option: Home inspections, contract of sale, and PHA disapproval of seller.
§982.632 Homeownership option: Financing purchase of home; affordability of purchase.
§982.633 Homeownership option: Continued assistance requirements; Family obligations.
§982.634 Homeownership option: Maximum term of homeownership assistance.
§982.635 Homeownership option: Amount and distribution of monthly homeownership assistance payment.
§982.636 Homeownership option: Portability.
§982.637 Homeownership option: Move with continued tenant-based assistance.
§982.638 Homeownership option: Denial or termination of assistance for family.
§982.639 Homeownership option: Administrative fees.
§982.641 Homeownership option: Applicability of other requirements.
§982.642 Homeownership option: Pilot program for homeownership assistance for disabled families.
§982.643 Homeownership option: Downpayment assistance grants.
U.S. Equal Employment Opportunity Commission. http://www.eeoc.gov/laws/types/disability.cfm
In addition to a variety of formal guidance documents, EEOC has developed a wide range of fact sheets, question & answer documents, and other publications to help employees and employers understand the complex issues surrounding disability discrimination.
- Employer-Provided Leave and the Americans with Disabilities Act
- Recruiting, Hiring, Retaining, and Promoting People with Disabilities
- Pandemic Preparedness in the Workplace and the Americans with Disabilities Act
- Your Employment Rights as an Individual With a Disability
- Job Applicants and the ADA
- Understanding Your Employment Rights Under the ADA: A Guide for Veterans
- Questions and Answers: Promoting Employment of Individuals with Disabilities in the Federal Workforce
- The Family and Medical Leave Act, the ADA, and Title VII of the Civil Rights Act of 1964
- The ADA: A Primer for Small Business
- Your Responsibilities as an Employer
- Small Employers and Reasonable Accommodation
- Work At Home/Telework as a Reasonable Accommodation
- Applying Performance And Conduct Standards To Employees With Disabilities
- Obtaining and Using Employee Medical Information as Part of Emergency Evacuation Procedures
- The Mental Health Provider’s Role in a Client’s Request for a Reasonable Accommodation at Work
- Employer Best Practices for Workers with Caregiving Responsibilities
- Reasonable Accommodations for Attorneys with Disabilities
- How to Comply with the Americans with Disabilities Act: A Guide for Restaurants and Other Food Service Employers
- Final Report on Best Practices For the Employment of People with Disabilities In State Government
- Depression, PTSD, & Other Mental Health Conditions in the Workplace: Your Legal Rights
- ABCs of Schedule A Documents
The ADA Amendments Act
- Final Regulations Implementing the ADAAA
- Questions and Answers on the Final Rule Implementing the ADA Amendments Act of 2008
- Questions and Answers for Small Businesses: The Final Rule Implementing the ADA Amendments Act of 2008
- Fact Sheet on the EEOC’s Final Regulations Implementing the ADAAA
Veterans with Disabilities
- EEOC Efforts for Veterans with Disabilities
- Understanding Your Employment Rights Under the Americans with Disabilities Act: A Guide for Veterans
- Veterans and the Americans with Disabilities Act: A Guide for Employers
- Hiring Veterans with Disabilities in the Federal Government
- Tips for Applicants with Disabilities Applying for Federal Jobs
- The ABCsof Schedule A
- Q&A: Promoting Employment of Individuals with Disabilities in the Federal Workforce
The Questions and Answers Series
- EEO Laws for Employees Affected by the Zika Virus
- Health Care Workers and the Americans with Disabilities Act
- Deafness and Hearing Impairments in the Workplace and the Americans with Disabilities Act
- Blindness and Vision Impairments in the Workplace and the ADA
- The Americans with Disabilities Act’s Association Provision
- Diabetes in the Workplace and the ADA
- Epilepsy in the Workplace and the ADA
- Persons with Intellectual Disabilities in the Workplace and the ADA
- Cancer in the Workplace and the ADA
- The Application of Title VII and the ADA to Applicants or Employees Who Experience Domestic or Dating Violence, Sexual Assault, or Stalking
Mediation and the ADA
- Questions and Answers for Mediation Providers: Mediation and the Americans with Disabilities Act (ADA)
- Questions and Answers for Parties to Mediation: Mediation and the Americans with Disabilities Act (ADA)
HIV/AIDS and the ADA
- Living with HIV Infection Your Legal Rights in the Workplace Under the ADA
- Helping Patients with HIV Infection Who Need Accommodations at Work
The following documents were developed by the U.S. Department of Justice.
- Questions and Answers: The ADA and Persons with HIV/AIDS
- Protecting the Rights of Persons Living with HIV/AID
The Sherman Antitrust Act of 1890
- Start with security.
- Control access to data sensibly.
- Require secure passwords and authentication.
- Store sensitive personal information securely and protect it during transmission.
- Segment your network and monitor who’s trying to get in and out.
- Secure remote access to your network.
- Apply sound security practices when developing new products.
- Make sure your service providers implement reasonable security measures.
- Put procedures in place to keep your security current and address vulnerabilities that may arise.
- Secure paper, physical media, and devices.
TAKE STOCK. Know what personal information you have in your files and on your computers.
SCALE DOWN. Keep only what you need for your business.
LOCK IT. Protect the information that you keep.
PITCH IT. Properly dispose of what you no longer need.
PLAN AHEAD. Create a plan to respond to security incidents.
These websites and publications have more information on securing sensitive data:
Start with Security
National Institute of Standards and Technology (NIST)
Computer Security Resource Center
SANS (SysAdmin, Audit, Network, Security) Institute
Critical Security Controls
United States Computer Emergency Readiness Team (US-CERT)
Small Business Administration
Better Business Bureau
List of Superfund Sites in Mississippi