Which act aims to eliminate discrimination in housing transactions?

The Fair Housing Act is designed specifically to eliminate discrimination in housing transactions. This legislation was enacted as part of the Civil Rights Act of 1968, and its primary purpose is to ensure that individuals have equal access to housing regardless of race, color, national origin, religion, sex, familial status, or disability. The act makes it illegal to refuse to rent or sell housing, impose different terms or conditions, or engage in discriminatory advertising based on these protected categories.

While the other acts listed do contribute to the regulation of housing and financial practices, they do not directly address discrimination in housing transactions. The Real Estate Settlement Procedures Act focuses on disclosures regarding settlement costs and procedures to help consumers understand the costs associated with buying a home. The Truth in Lending Act primarily deals with the disclosure of terms and costs associated with consumer credit. The Housing and Urban Development Act encompasses a broader range of issues related to urban development and housing assistance but does not specifically target housing discrimination like the Fair Housing Act does. This makes the Fair Housing Act the most suitable answer for addressing discrimination in housing transactions.