Which of the following prohibits discrimination in housing based on race, color, national origin, religion, sex, familial status, or disability?

The Fair Housing Act is the correct answer because it specifically addresses and prohibits discrimination in housing based on various protected characteristics, including race, color, national origin, religion, sex, familial status, and disability. This law was enacted in 1968 and aims to ensure that everyone has equal access to housing opportunities, promoting fair treatment in the rental, sale, and financing of housing.

In contrast, the Americans with Disabilities Act primarily focuses on preventing discrimination against individuals with disabilities in various areas such as employment and public accommodations, and while it emphasizes accessibility, it does not directly govern housing discrimination.

The Real Estate Settlement Procedures Act addresses issues related to settlement services in real estate transactions, aiming to promote transparency and fairness in the mortgage and settlement processes rather than explicitly prohibiting discrimination in housing.

The Equal Credit Opportunity Act prohibits discrimination in credit transactions based on specific factors, including race and sex, but it does not cover the broader aspects of housing discrimination that the Fair Housing Act specifically tackles.

Thus, the Fair Housing Act is the legislation that comprehensively addresses and prohibits discrimination in housing, making it the correct choice among the options provided.