Which act prohibits discriminatory housing practices?

The Fair Housing Act is the correct answer because it was specifically established to prohibit discriminatory practices in housing. Enacted in 1968, this act aims to eliminate barriers to housing based on race, color, national origin, religion, sex, familial status, or disability. It covers various aspects of housing, including the sale, rental, and financing of housing, ensuring that individuals have equal opportunity to access housing without experiencing discrimination.

In contrast, the other acts focus on different areas that are not directly related to discriminatory housing practices. For example, the Real Estate Settlement Procedures Act (RESPA) regulates real estate settlement processes and aims to provide consumers with greater transparency in these transactions, but it does not specifically address discrimination. The Fair Credit Reporting Act (FCRA) governs the collection and use of consumer credit information to promote fair and accurate credit reporting rather than focusing on housing discrimination. Lastly, the Equal Credit Opportunity Act (ECOA) prohibits discrimination in lending practices but is distinct from the Fair Housing Act, which encompasses a broader range of housing-related activities. Thus, the Fair Housing Act is the key legislation focused on preventing discrimination in housing.