The Department of Housing and Urban Development's proposed rule on disparate impact will:Question 1 options: Be permanently tabled Have no significance Go into effect shortly after publishing Never go into effectQuestion 2 (1 point) Who invented the credit scoring model most banks rely on for mortgage lending?Question 2 options: Fair Isaac Corporation (FICO) Fair Housing Administration Urban Institute Secondary mortgage marketQuestion 3 (1 point) In 2019, how much did the L.G.B.T.Q. client base of Better.com increase in terms of married couples?Question 3 options: Remained the same Increased by 500% Doubled Increased tenfoldQuestion 4 (1 point) The Fair Housing Act of 1968 prohibits lenders from considering which factors in mortgage underwriting?Question 4 options: Race High school attended Social media profile Vacation spotsQuestion 5 (1 point) Which company originated 98 percent of its mortgages using a digital platform last year?Question 5 options: Roostify Quicken Loans Better.com Bank of AmericaQuestion 6 (1 point) Where did Ms. Anderson live after her divorce?Question 6 options: With her parents in West Orange, N.J. Alone in an apartment With a friend With her daughter in West Orange, N.J.Question 7 (1 point) A core concept of the Fair Housing Act is:Question 7 options: Disparate latitude Disparate impact Disparate algorithms Disparate settlementQuestion 8 (1 point) How does Better.com generate its primary revenue?Question 8 options: Selling advertisements Subscription services Selling mortgages to investors Charging high interest ratesQuestion 9 (1 point) What do many Better.com clients choose to do?Question 9 options: Use only AI for loan decisions Speak with a fintech agent Avoid loan officers entirely Talk with a loan officerQuestion 10 (1 point) Which year did Better.com start?Question 10 options: 2015 2019 2016 2018Question 11 (1 point) In 2015, why did Melany Anderson's daughter ask about her friends having their own bedrooms?Question 11 options: She wanted to redecorate her room. Her friends made fun of her. She was curious about different houses. She was unhappy sharing a room with her mother.Question 12 (1 point) Who is the president and chief executive of the National Fair Housing Alliance?Question 12 options: Alanna McCargo Mike de Vere Dr. Wallace Lisa RiceQuestion 13 (1 point) What are digital mortgages primarily about, according to the passage?Question 13 options: Profit maximization Expanding bank clientele Borrowers' peace of mind Systemic changeQuestion 14 (1 point) What event deepened Ms. Anderson's pessimism about receiving equal treatment?Question 14 options: Release of a new fintech software Police violence against Black Americans Fair housing advocate protests Mortgage Bankers Association's rulingQuestion 15 (1 point) What is the industry average age of loan officers?Question 15 options: 34 44 54 64