Answer: b. It violates Federal Fair Housing laws and Truth in lending.
Explanation: The Fair Housing Act is a law created to help limit discriminatory practices related to landlords, tenants, and housing. The act was created on the principle that every American should have an equal opportunity to seek a place to live, without being afraid of discrimination due to factors outside their control.
The Truth in Lending Act, or TILA, aims to ensure that you receive a clear and understandable layout of certain costs and terms.