Call Us 1-800-727-7104
Call Us 1-800-727-7104

2019-2020 Real Estate Module: Agency, Fair Housing, and Energy Efficiency | Minnesota Approval #1028937


3.75 Required Education Hours Including 1 Hour Broker Management | Online HD Video Class | Instructor:  Gwyn Besner
This course covers the history, foundation and rules of the Agency Law and the Federal Fair Housing Law as well as the Minnesota Human Rights Act and special entities such as trusts, estates, guardianships, divorces and corporate entities.

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MN 2019-2020 Real Estate Module:
Agency, Fair Housing, and Energy Efficiency

Salesperson & Broker Required Module
Timed Outline

Course Description

This course covers Agency Law, its history, foundation, and Minnesota License laws regarding Agency relationships in a real estate transaction. This course will also look at federal Fair Housing law, its history, laws, and regulations. Prohibitions under the federal Fair Housing Act and the Minnesota Human Rights Act will be covered.

The energy efficiency portion of the course will cover the importance of home energy assessments in existing homes and an overview of the MN market for energy efficiency in new homes and building codes. It will also cover the need and importance of a pre-construction HERS report and provide resources for more information.

Note: Completion of this 2019-2020 General Module WILL also satisfy the broker module training requirement as required in §82.61(i) for 2019-2020. (In other words, there will be no separate broker module course for 2019-2020).
Note: Completion of this 2019-2020 General Module WILL also satisfy the required 1- hour of Fair Housing and the required 1-hour of Agency Law training as required in §82.61.(c):(1) (2).

After completing this course participants will be able to:

  • Understand Agency Law and MN license laws on Agency relationships
  • Learn about the Federal Fair Housing Act
  • Understand the Minnesota Human Rights Act
  • Understand prohibited acts under Fair Housing law
  • Understand energy efficiency and surrounding laws
  • Be better equipped to serve buyers and sellers in today’s complex real estate transactions
  • Understand Why Energy Efficiency Matters:
    • What makes a home green?
    • Home Energy Assessments for Existing homes
    • Justifying costs: pre-construction HERS report
    • Other resources available


LESSON 1 – 30 minutes



A.  License law in Minnesota


A. Customer versus Client Relationship
B. Broker/Agent Relationship
C. Common Law & Fiduciary Duties

1. Obedience
2. Loyalty
3. Disclosure
4. Confidentiality
5. Duty to Account
6. Reasonable Care

LESSON 2 – 15 minutes


A. Disclosure Form

1. Signatures

B. Agency Roles – Understanding your Duties and Obligations

1. Seller Representative
2. Buyer Representative
3. Sub-agent
4. Dual Agent
5. Facilitator

LESSON 3 – 20 minutes


A. Intruding on exclusive agency relationship of another broker
B. Dealing with unrepresented parties on the other side of a transaction
C. Issues with co-listings*
D. Licensees purchasing from or selling to their own client*
E. Licensees changing brokerages and effects on agency relationships


LESSON 1 – 20 minutes


A. Civil Rights Act of 1866
B. Plessy vs. Ferguson

C. "Separate but Equal"
D. Exclusionary Zoning
E. Fair Housing Act of 1968
F. Fair Housiong Amendments
G. Federal Fair Housing and Minnesota Human Rights Act

1. Race
2. Color
3. National Origin
4. Religion
5. Gender
6. Disability
7. Family Status
8. Marital Status
9. Sexual Orientation
10. Status with regard to public assistance

LESSON 2 – 20 minutes


A. Refusal to sell or rent
B. Discrimination in terms, conditions or privileges of sale
C. Advertising
D. Denying availability
E. Blockbusting and steering
F. Failure to make reasonable accommodations
G. Lending discrimination and “Redlining”

LESSON 3 – 15 minutes


A. What is an assistance animal?

1. “Companion animal,” “service animal,” etc.
2. Species
3. Tasks performed by animals

B. What is a disability?
C. Americans with Disabilities Act versus FHA

1. Public spaces versus housing

D. ADA implications for real estate licensees

1. Places of public accommodation (offices, open houses, and even websites)
2. What kind of accommodations
3. Penalties (and “trolls”)

E. FHA implications for real estate licensees

1. Property Management

a. Allowing assistance animals, not “pets”
b. Landlord perspective/rights

i. Damages and nuisance from assistance animals
ii. Potentially “fake” service animals and recourse


A. NAR/HUD “At Home with Diversity” Training
B. Homeownership Opportunity Alliance (HOA)

1. Members: REALTORS, MN Mortgage, Minneapolis, Homeownership Center, MFHA, non-profits that helo immigrants


LESSON 1 – 25 minutes


A. Climate Science and Economics

1. Environmental change has effects on our quality of life and the cost of living
2. Big business and government is driving adoption of change – energy models, regulation, cost of doing nothing – preparedness & resiliency
3. Climate zone and utility costs and how it affects sustainability & costs

B. What makes a home green?

1. Site Orientation
2. Energy Efficiency
3. Indoor Air Quality
4. Materials that last, perform, and provide maximum sustainability
5. Affordability – cost of ownership, energy costS
6. What can be done to an existing home for energy efficiency and sustainability and comfort

LESSON 2 – 25 minutes

C. Who what and why of Home Energy Assessment for Existing Homes

1. What is an energy assessment?  Building survey of GLA, sq. ft. of windows, walls, ceiling, doors, and foundation and their thermal values.
2. Assessment is more than a report – it ties to a set benchmark that the results become a tool for appraiser & lender, energy designer and baseline for contractor to compare future improvements.
3. Who can do an energy assessment and why energy rater needs to be trained and certified
4. HES & HERS are a national standard assessment recognized by secondary mortgage market
5. Home inspectors certified for HES, HERS energy raters certified by RESNET
6. Provides rating score for Regional Multiple Listing Service (RMLS) that appraiser and underwriter can put a value on too

D. Overview of MN Market for Energy Efficiency in New Homes & Building Codes (C-10Min) (I-12Min)

1. Energy Modeling – tools available and where have we come since 1980
2. Key new elements of 2015 MN residential building code
3. Where are we going on a path to net zero construction

LESSON 3 – 15 minutes

E. Justifying cost: The importance of pre-construction HERS report

1. Why lender wants to see a pre-construction audit and HERS/HES rating report
2. The HERS & HES report includes a projected energy costs of before and after
3. Provides behind the walls R rating, HVAC equipment size & air & water sealing opportunities
4. HERS report prioritizes the energy rater in level of field diagnostics measures done*

5. Importance of pre-construction HES rating to existing home for lender + retrofit contractor

F.    Overview/resources

1.    Energy Efficiency
2.    Introduction to basic building science of existing homes since 1970
3.    Overview of building science today in high performance homes
4.    Valuation methods that require data competency and 3rd Party database RMLS
5.    How to identify documents that influence sales and valuation professionals
6.    High performance financing rules and how to market these homes
7.    Working with green fields in RMLS
8.    Department of Commerce, Home Energy Guide


EXAMINATION (40 minutes)

Total Course length: 225 minutes (3.75 hours)

Course instructors will be available by email or telephone between 8am and 6pm Eastern Standard Time. They will assist you with questions regarding course content.

If you have any questions, please call us at 1-800-727-7104 or send an email to Email responses will usually be returned promptly, but guaranteed within one business day.

Student policies and procedures are always available by going to our website and scrolling to the bottom of the page (See Attendance, Privacy and Refund Policy)

335,692 Courses Taken
Great courses, easy to follow. Informative, professional and presented in a straightforward manner allowing for a concise completion of your license renewal process. Good refresher, logical sequence and multiple choice testing. Can be completed at one’s own convenience. Highly recommended for all levels of experience.
Paul Corriveau from MA