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Risk Management
8 hours of Colorado Continuing Education
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This combination Colorado real estate continuing education course focuses of three distinct areas: NAR’s code of ethics, environmental hazards, and fair housing. The first module covers the standards of conduct and ethical judgment by addressing the different concepts that contribute to ethical business practices. This module will introduce the student to ethics and morals by defining both terms in order to distinguish differences between the two. The student will also learn the four approaches to ethical decision-making; therefore, after learning the Articles and Standard Practices of the NAR® Code of Ethics, the student will be able to use the model identify any violations of the Code.
The second module covers major environmental hazards. Students will learn throughout this module to identify internal and external environmental issues. They will learn about health hazards, environmental legislation, liability and responsibility for cleanup and protection. They will also learn about actions they should take and how issues affect licensees and lending. Licensees are not expected to be environmental experts, but in this module students will acquire a competency with environmental issues which will help them to elucidate issues for buyers, sellers and lenders. Knowledge of environmental issues also will help protect them from charges of nondisclosure.
The third module covers broad issues on fair housing laws. Specifically, the student will learn: what fair housing laws exist, what classes of individuals are covered under these laws, how discrimination is defined in real estate, how can one avoid discriminating practices, and what the consequences are for non-compliance with fair housing laws.
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Sale Price: $99.99 $130.00 |
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LEARNING OBJECTIVES
- Identify the definition of ethics used in this course
- Briefly describe the four business ethics approaches used in this course
- List major categories of the Articles of the NAR® Code of Ethics
- Describe the structure of the NAR® Code of Ethics and its supporting materials
- Identify at least two aspirational concepts in the Preamble to the NAR® Code of Ethics, describe the concept of general business ethics and identify how the Code of Ethics compares and contrasts with the concept of general business ethics
- Describe the concepts of at least two of the following Articles of the Code of Ethics: Articles 1, 2, 3, 9, 11, 12, 16, and 17
- Identify recent laws that have an impact on environmental issues, including lead-based paint disclosure laws
- Know the procedures used to locate toxic waste sites, the responsibilities for cleanup and steps that may be taken to minimize future liabilities
- Understand the nature of major air pollutants and the remedies that may be applied to minimize their effects
- Be able to list at least three sources of human exposure to PCBs and at least two effects of this PCB exposure on humans
- Understand landowners’ responsibility for the protection of wetlands areas on their property
- Identify the issues landowners and developers face regarding endangered-species protection
- Comprehend the nature of electromagnetic forces and the possible need for testing
- Be able to describe at least two major provisions of the Small Business Liability Relief and Brownfields Revitalization Act
- Know the current status of environmental laws and their effect on property insurance and mortgage lending
- Understand the purpose of the Federal Fair Housing Laws and be able to identify the protected classes covered by the Fair Housing Act
- Be aware of the seven activities considered illegal as a result of the Fair Housing Laws
- Know the five exemptions from the Federal Fair Housing Laws for property owners
- Be able to recognize discrimination in real estate practice
- Be able to identify acts considered discriminatory under the Fair Housing Act of 1968 as amended in 1972 and 1988
- Understand the purpose of the Federal Equal Credit Opportunity Act (ECOA) and know the classes it protects
- Understand the purpose of the Americans with Disabilities Act ADA).
- Know how the ADA affects real estate practice
- Know how Fair Housing Complaints are handled
- Know the penalties for non-compliance with Fair Housing Laws
- Know how to incorporate business practices designed to prevent discrimination by real estate professionals
- Understand the purpose of the HUD/NAR Partnership and why it is important
- Know the most important principle in following HUD Advertising Guidelines
TOPICS COVERED:
- MODULE 1: Code of Ethics
- LESSON 1: Definitions of Ethics and Morals
- LESSON 2: The Four Approaches to Ethical Decisions
- LESSON 3: Articles in the Code of Ethics
- LESSON 4: Using the Model for Ethical Decision Making
- LESSON 5: Basics of the Professional Standards Enforcement Process through the Local REALTOR® Board of Association
- LESSON 6: More Risk Management in Action to Improve Business
- LESSON 7: Real Estate Practice
- MODULE 2: Environmental Hazards
- LESSON 1: The Indoor Environment
- LESSON 2: The External Environment
- LESSON 3: Legislation
- LESSON 4: Disclosure and Site Assessment
- LESSON 5: Real-Estate Practice
- MODULE 3: Fair Housing
- LESSON 1: Introduction to Fair Housing
- LESSON 2: Discrimination
- LESSON 3: Other Legal Protections against Discrimination
- LESSON 4: Enforcement of Fair Housing Laws
- LESSON 5: How to Avoid Discrimination
- LESSON 6: Real World Practice
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