Which of the following is NOT a requirement of the Fair Housing Act?

The Fair Housing Act primarily focuses on preventing discrimination and promoting equality in housing. It ensures that individuals are treated fairly in real estate transactions, protects against discrimination based on race, color, national origin, religion, sex, familial status, and disability, and mandates that housing is accessible for those with disabilities.

The requirement for "adequate disclosures about loan terms" pertains more to consumer finance regulations and lending practices, rather than the specifications outlined in the Fair Housing Act. This type of disclosure is typically governed by other regulations, such as the Truth in Lending Act (TILA), which addresses the need for transparency regarding loan terms and conditions for consumers.

Therefore, while equal treatment in real estate transactions, prevention of discrimination, and ensuring accessibility are all integral requirements of the Fair Housing Act, adequate disclosures about loan terms fall outside its scope. This distinction clarifies why adequate disclosures are not a requirement of the Fair Housing Act.