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Illinois exam glossary

Lead-based paint disclosure

Lead questions become simple when you stop treating every document as the same form. First ask whether the property and transaction are federally covered. Then follow the disclosure packet before obligation. Keep the buyer's evaluation opportunity, the Illinois seller report, an IDPH mitigation notice, and renovation certification in four separate boxes.

Last updated: August 1, 2026

What does this exam area cover?

Short answer: For most pre-1978 housing sales and leases, federal law requires disclosure before the buyer or tenant is obligated. Give the approved pamphlet, state known lead information, provide available records and reports, and use the required warning, acknowledgments, certifications, signatures, and dates. In a sale, give the buyer 10 days for an inspection or risk assessment unless the parties choose a different written period or the buyer waives in writing. Disclosure does not require the seller to test, does not promise a lead-free property, and does not replace Illinois disclosure or renovation rules.

Official section
National VII.B and Illinois: Environmental and government disclosures
Broker weight
Property disclosures are 7% of the national broker portion
Expected scored items
Also tested through Illinois seller duties, agency, leasing, contracts, and environmental scenarios

This guide follows the PSI Illinois Candidate Information Booklet effective June 24, 2026, the eCFR current through July 27, 2026, EPA and HUD primary guidance, the Illinois Residential Real Property Disclosure Act, the Illinois Lead Poisoning Prevention Act, and IDPH Rule 845, all checked through August 1, 2026. Local housing codes and federal housing-assistance programs can add requirements. Use current agency forms and property-specific advice in practice.

What is on the official outline?

Topic
Start with construction date
What to know
constructed before 1978, constructed on or after January 1, 1978, original building, later rehabilitation, mixed-age development, documentary evidence, assessor record, permit history, and uncertainty
Best exam move
Federal target-housing coverage turns on construction before 1978, not whether the kitchen was remodeled later.
Topic
Apply the target-housing definition
What to know
residential dwelling, pre-1978 housing, elderly housing, disability housing, child under six residing or expected, zero-bedroom dwelling, studio, efficiency, dormitory, and room rental
Best exam move
Use the statutory definition before assuming every old residential space is covered.
Topic
Apply transaction exceptions
What to know
foreclosure sale, certified lead-free lease, short-term lease of 100 days or less, no renewal or extension, qualifying lease renewal, prior disclosure, no new information, sale, lease, and sublease
Best exam move
Distinguish housing excluded from target housing from a transaction excluded by the rule.
Topic
Complete disclosure before obligation
What to know
buyer or tenant obligated, offer, acceptance, contract, lease, disclosure timing, late information, review, amendment of offer, attachment, language of contract, and delivery evidence
Best exam move
The disclosure process belongs before the purchaser or lessee is contractually bound.
Topic
Deliver the approved pamphlet
What to know
Protect Your Family From Lead in Your Home, EPA approval, equivalent state-approved pamphlet, receipt acknowledgment, buyer, tenant, seller, lessor, agent, and language access
Best exam move
The pamphlet is required information, not a substitute for property-specific disclosure.
Topic
Disclose known lead information
What to know
known lead-based paint, known lead-based paint hazard, basis, location, condition, deteriorated surface, dust, soil, friction surface, impact surface, no knowledge, and no warranty
Best exam move
Report what is known accurately without turning no knowledge into a lead-free representation.
Topic
Provide available records
What to know
inspection, risk assessment, laboratory report, mitigation notice, abatement record, clearance document, repair record, common area, building-wide evaluation, other multifamily units, possession, and reasonably obtainable
Best exam move
Available means possessed or reasonably obtainable at disclosure time, and the rule reaches specified multifamily information.
Topic
Handle an offer before disclosure
What to know
buyer offer, tenant offer, seller acceptance, lessor acceptance, disclosure before acceptance, opportunity to review, possible amendment, timing sequence, and documentation
Best exam move
If the offer came first, disclose before acceptance and let the offeror review and possibly amend.
Topic
Give the sale evaluation opportunity
What to know
10-day period, purchaser, inspection, risk assessment, mutually agreed different period, writing, waiver, buyer acknowledgment, contingency, expense, and professional qualification
Best exam move
Ten days is the default sale opportunity, not an automatic lease right or mandatory seller-funded test.
Topic
Build the sales attachment
What to know
Lead Warning Statement, seller knowledge statement, report list, no-report statement, buyer receipt, pamphlet receipt, evaluation opportunity, written waiver, agent certification, signatures, dates, and contract language
Best exam move
A casual email cannot replace the required certifications and contract attachment.
Topic
Build the lease disclosure
What to know
lease warning statement, lessor knowledge statement, records list, no-record statement, pamphlet acknowledgment, agent certification, signatures, dates, attachment or lease language, and sublease
Best exam move
Use the lease elements and omit the purchaser-only 10-day acknowledgment.
Topic
Assign agent responsibility
What to know
seller's agent, lessor's agent, property manager, principal education, ensure compliance, personal completion, withheld information, buyer-only representative, compensation source, certification, and signature
Best exam move
The listing-side agent cannot simply hand the form to the owner and ignore completion.
Topic
Retain the completed record
What to know
seller, lessor, agent, completed attachment, lease contract, three years, sale completion, lease commencement, evidence of delivery, electronic record, and other limitation periods
Best exam move
Start the three-year clock from the event specified for that transaction.
Topic
Add the Illinois seller report
What to know
765 ILCS 77/35 item 17, actual knowledge, unsafe concentration, unsafe condition, lead paint, lead water pipe, lead plumbing pipe, lead in soil, no specific investigation, supplement before closing, and separate federal duty
Best exam move
A covered Illinois sale can require both the state report and the federal lead packet.
Topic
Add Illinois mitigation history
What to know
regulated facility, IDPH or delegate agency, mitigation notice, prior identified hazard, inspection report, mitigation notice, certificate of compliance, written notice, prospective buyer, prospective lessee, and Rule 845.25
Best exam move
A known government mitigation history creates a more specific notice issue than generic pre-1978 potential.
Topic
Separate testing from disclosure
What to know
lead inspection, surface-by-surface investigation, risk assessment, hazard evaluation, licensed professional, seller not required to test, buyer election, result, report, and contract consequence
Best exam move
Disclosure transfers information; evaluation investigates conditions.
Topic
Separate reduction from disclosure
What to know
maintenance, interim control, mitigation, abatement, removal, enclosure, encapsulation, clearance, IDPH license, government order, transaction negotiation, and no automatic federal sale-repair duty
Best exam move
The federal transaction rule does not itself require the owner to remove every disclosed lead condition before sale.
Topic
Separate RRP from transaction disclosure
What to know
renovation, repair, painting, compensated work, disturbing painted surfaces, certified firm, certified renovator, trained worker, Renovate Right pamphlet, containment, prohibited practices, cleanup, and records
Best exam move
Use RRP for work activity and Section 1018 disclosure for sale or lease information.

Which distinctions produce the most mistakes?

Terms
Pre-1978 vs. known lead
Difference
Pre-1978 construction can trigger the federal process. Known lead determines what property-specific facts and records must be disclosed.
Question cue
Coverage fact versus disclosure content.
Terms
No knowledge vs. lead-free
Difference
No knowledge describes the owner's information. Lead-free is a supported physical conclusion reached through qualified testing under applicable standards.
Question cue
Mental state versus tested condition.
Terms
Disclosure vs. inspection
Difference
Disclosure communicates known information and available records. Inspection investigates whether lead-based paint is present.
Question cue
Tell versus test.
Terms
Inspection vs. risk assessment
Difference
An inspection identifies lead-based paint surface by surface. A risk assessment evaluates whether and where lead hazards exist and reports their nature and severity.
Question cue
Paint presence versus hazard analysis.
Terms
Sale vs. lease
Difference
Both can require a pamphlet, disclosures, records, warnings, acknowledgments, and signatures. The federal 10-day evaluation opportunity is a sale requirement.
Question cue
Shared packet, purchaser-only evaluation period.
Terms
10-day default vs. fixed deadline
Difference
Ten days is the default federal opportunity. The parties may choose a different period in writing, or the buyer may waive in writing.
Question cue
Default with written alternatives.
Terms
Federal lead form vs. Illinois seller report
Difference
The federal form addresses target-housing lead disclosures. The Illinois report covers the seller's actual knowledge of listed property conditions, including lead under item 17.
Question cue
Federal packet versus state condition report.
Terms
Disclosure vs. abatement
Difference
Disclosure provides information. Abatement is a regulated method intended to permanently eliminate lead-based paint or hazards.
Question cue
Information versus hazard-reduction work.
Terms
Disclosure rule vs. RRP rule
Difference
Disclosure regulates information before covered sales and leases. RRP regulates compensated renovation work that disturbs paint in covered properties.
Question cue
Transaction versus construction activity.
Terms
Federal minimum vs. added state or local duty
Difference
Federal compliance does not eliminate a stricter or separate Illinois, local, or housing-program requirement.
Question cue
One layer does not cancel another.

The P-A-I-N-T check

  1. Property: confirm residential use, construction date, target-housing definition, children under six where relevant, and any transaction exception.
  2. Ahead of obligation: deliver the packet before the buyer or tenant is bound, or disclose before offer acceptance and allow review and possible amendment.
  3. Information: provide the approved pamphlet, all known lead facts, useful details, and every available report required by the rule.
  4. Notice and names: use the correct sale or lease warning, acknowledgments, agent certification, signatures, dates, and the language of the contract.
  5. Ten days and trail: give the purchaser the default evaluation period or document a written change or waiver, then retain the completed record for at least three years.
Fact
Home built in 1965
Correct rule
Check federal coverage
Do not infer
Lead is proven
Fact
Seller knows nothing
Correct rule
State no knowledge
Do not infer
Home is lead-free
Fact
Buyer gets 10 days
Correct rule
Evaluation opportunity
Do not infer
Seller must pay
Fact
Tenant signs lease
Correct rule
Lease disclosure packet
Do not infer
Automatic 10-day test
Fact
Paint will be disturbed
Correct rule
Check RRP rule
Do not infer
Sale form is enough
Fact
IDPH mitigation notice
Correct rule
Provide specific history
Do not infer
Hazard never existed

How do the rules work in scenarios?

1962 home with no lead records

Scenario: The seller of a 1962 Illinois house has no knowledge of lead and no lead records. The buyer asks whether the seller must order testing before contract.

  1. The home is presumptively within the pre-1978 coverage screen.
  2. The seller must make the required no-knowledge and no-record disclosures honestly.
  3. Federal law does not require the seller to test, but the buyer receives the evaluation opportunity.

Answer: Complete the federal packet before obligation and give the buyer the 10-day default period unless changed or waived in writing. Do not certify that the home is lead-free.

Buyer submits an offer first

Scenario: A buyer sends an offer on a 1948 home before receiving the lead pamphlet or seller's old risk-assessment report.

  1. The seller has not yet accepted the offer.
  2. The rule permits the offer to arrive first but requires disclosure before acceptance.
  3. The buyer must have an opportunity to review the information and possibly amend the offer.

Answer: Deliver the pamphlet, disclosures, and report before acceptance, then document the buyer's review and evaluation choice.

Buyer wants five days

Scenario: The buyer and seller want a five-day lead evaluation period to match another inspection deadline.

  1. Federal law sets 10 days as the default.
  2. The parties may mutually agree to a different period.
  3. The different period must be recorded in writing.

Answer: A written five-day agreement can replace the 10-day default. An oral shortcut cannot.

Apartment lease has no 10-day clause

Scenario: A tenant renting a covered 1920 apartment receives the pamphlet, known disclosures, available reports, warning statement, and signed acknowledgments, but no 10-day evaluation clause.

  1. The transaction is a lease, not a sale.
  2. The federal 10-day evaluation opportunity applies to purchasers.
  3. The lease packet still must contain all lease-specific elements before obligation.

Answer: The missing 10-day clause is not the defect. Verify the complete lease disclosure packet and any separate negotiated rights.

Known common-area report

Scenario: An owner sells a unit in pre-1978 multifamily target housing and has a building-wide lead evaluation covering the unit, stairwell, laundry area, and several other units.

  1. Available common-area records are included.
  2. Other-unit information is included when it forms part of an evaluation or reduction of the target housing as a whole.
  3. The report should not be reduced to a one-line oral summary.

Answer: Provide the available report and accurately identify the known locations, basis, and conditions in the disclosure packet.

Owner hides information from agent

Scenario: A listing agent informs the seller of the federal duties and completes the process using the information supplied. The seller secretly keeps a prior positive lead report from the agent and buyer.

  1. The seller violated the known-information and available-record duties.
  2. The agent must ensure compliance with disclosed information and required procedure.
  3. The rule provides a limited protection when the agent informed the seller but the seller withheld the known fact from the agent.

Answer: The seller cannot use the agent as a shield. Analyze the agent under the specific knowledge and compliance facts rather than automatic liability.

Sale followed by renovation

Scenario: A buyer receives a proper disclosure packet for a 1955 house, closes, and hires a painting company to sand old trim throughout the home.

  1. The sale disclosure rule addressed the precontract information process.
  2. The later compensated work can disturb painted surfaces in pre-1978 housing.
  3. The contractor must separately evaluate RRP certification, training, education, work-practice, and record duties.

Answer: A correct sale form does not authorize unsafe renovation. Apply the RRP rule separately to the contractor's work.

What are the common exam traps?

Trap
Treating every pre-1978 property as proven lead-positive
Correction
Construction date screens coverage; testing and known records establish property-specific facts.
Trap
Calling no knowledge lead-free
Correction
No knowledge is not a test result, guarantee, or certified lead-free finding.
Trap
Making the seller test
Correction
Federal disclosure law does not impose a positive seller duty to evaluate or reduce hazards.
Trap
Delivering only the pamphlet
Correction
Also disclose known facts, provide available reports, and complete the required contract language and signatures.
Trap
Disclosing after the buyer is bound
Correction
Complete disclosure before obligation, using the offer-before-acceptance sequence when applicable.
Trap
Forgetting common-area records
Correction
Provide available common-area and qualifying building-wide multifamily records.
Trap
Using 10 days as an unchangeable rule
Correction
The parties may choose another period in writing, and the buyer may waive in writing.
Trap
Giving every tenant 10 days by federal command
Correction
The Section 1018 evaluation opportunity applies to purchasers, not lessees.
Trap
Using one warning statement for both transactions
Correction
Sales and leases have different prescribed warning language and acknowledgment elements.
Trap
Leaving signatures or dates blank
Correction
Required parties certify their statements with signatures and dates.
Trap
Assuming the agent has no duty
Correction
The covered agent informs the principal and ensures completion or personally ensures compliance.
Trap
Discarding the form at closing
Correction
Seller and agent retain the sale attachment at least three years from completion.
Trap
Using the federal form as the Illinois seller report
Correction
Analyze the separate item 17 state disclosure and its timing and supplementation rules.
Trap
Hiding a prior mitigation notice after compliance
Correction
Illinois Rule 845.25 requires specified prior-hazard notice for a regulated facility that received a mitigation notice.
Trap
Treating disclosure as abatement
Correction
A signed form communicates information; it does not remove, contain, or clear a hazard.
Trap
Treating disclosure compliance as RRP compliance
Correction
Covered compensated renovation requires its own certified firm, trained people, safe practices, education, and records.

Can you answer these original practice questions?

These questions are original study items aligned to the published outline. They are not copied, recalled, or predicted PSI questions.

1. Which construction date generally triggers the federal target-housing screen?

  1. Before 1978
  2. Before 2000
  3. After 1978
  4. Any year only if tested
Show answer and explanation

Answer: Before 1978

Then apply the definition and transaction exceptions.

2. Must a seller order a lead inspection solely because the home was built in 1960?

  1. No
  2. Yes
  3. Only if represented
  4. Only at closing
Show answer and explanation

Answer: No

The rule requires known disclosure and available records, not mandatory seller testing.

3. When should required federal disclosure occur?

  1. Before the buyer or tenant is obligated
  2. After closing
  3. After move-in
  4. Only if lead is proven
Show answer and explanation

Answer: Before the buyer or tenant is obligated

If an offer arrives first, disclosure must precede acceptance and allow review.

4. Can the buyer waive the federal lead evaluation opportunity?

  1. Yes, in writing
  2. No
  3. Yes, orally only
  4. Only after closing
Show answer and explanation

Answer: Yes, in writing

The parties can also agree in writing to a different period.

5. Does the federal rule give a lessee the same 10-day evaluation opportunity?

  1. No
  2. Yes
  3. Always
  4. Only in Illinois
Show answer and explanation

Answer: No

The regulatory evaluation opportunity is for a purchaser.

6. What does no knowledge mean?

  1. The owner reports no known lead information
  2. The home is certified lead-free
  3. No disclosure is needed
  4. The buyer cannot inspect
Show answer and explanation

Answer: The owner reports no known lead information

It is not a physical guarantee.

7. Who retains a completed sales attachment for at least three years?

  1. Seller and any agent
  2. Buyer only
  3. Inspector only
  4. Recorder only
Show answer and explanation

Answer: Seller and any agent

The clock runs from completion of the sale.

8. What Illinois seller-report item expressly includes lead paint and lead in soil?

  1. Item 17
  2. Item 1
  3. Item 2
  4. No item
Show answer and explanation

Answer: Item 17

It also names lead water and plumbing pipes.

9. What rule governs a paid contractor sanding painted trim in a pre-1978 home?

  1. EPA RRP Rule
  2. Only the sales form
  3. Plat Act
  4. Brokerage agreement
Show answer and explanation

Answer: EPA RRP Rule

Transaction disclosure and renovation controls are separate.

10. What should an agent do after identifying a covered transaction?

  1. Inform the principal and ensure compliance
  2. Ignore the issue
  3. Promise the home is safe
  4. Conduct medical testing
Show answer and explanation

Answer: Inform the principal and ensure compliance

The regulation assigns an active compliance duty to covered agents.

How should you study this area?

Session
Session 1
Focus
Map federal coverage
Proof you are ready
Classify 45 pre-1978, post-1977, target-housing, zero-bedroom, elderly, disability, child-under-six, foreclosure, short-lease, lead-free, renewal, sale, lease, and sublease facts.
Session
Session 2
Focus
Build the information packet
Proof you are ready
Sort 40 pamphlet, known paint, known hazard, basis, location, condition, report, common-area, multifamily, no-knowledge, no-record, and available-information prompts.
Session
Session 3
Focus
Master timing and 10 days
Proof you are ready
Solve 40 before-obligation, offer-before-disclosure, acceptance, review, amendment, 10-day default, different written period, written waiver, purchaser, and lessee questions.
Session
Session 4
Focus
Complete sale and lease forms
Proof you are ready
Draft one sale checklist and one lease checklist with the proper warning, disclosures, report list, acknowledgments, agent certification, signatures, dates, and record retention.
Session
Session 5
Focus
Layer Illinois duties
Proof you are ready
Drill 35 item 17, actual knowledge, no investigation, supplement, mitigation notice, inspection report, certificate of compliance, prospective buyer, and prospective tenant facts.
Session
Session 6
Focus
Run P-A-I-N-T
Proof you are ready
Audit two sale files and two lease files, score at least 90 percent, then explain disclosure, testing, reduction, and RRP without mixing them.

Do not count recognition as mastery. Close the notes and explain the rule, apply it to a new fact pattern, and identify why each distractor fails.

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Questions students ask about Lead-Based Paint Disclosure: Illinois Exam Guide

What is lead-based paint disclosure?

Lead-based paint disclosure is the federal precontract process for most housing constructed before 1978. Before a buyer or tenant becomes obligated, the seller or lessor must provide an approved lead pamphlet, disclose known lead-based paint and hazards, provide available records and reports, and place the required warning, acknowledgments, certifications, signatures, and dates in the contract or attachment. A sale also gives the buyer an evaluation opportunity.

Which homes are target housing under the federal rule?

Target housing generally means housing constructed before 1978. The definition excludes housing for elderly persons or persons with disabilities and zero-bedroom dwellings, unless a child under age six resides or is expected to reside there. The rule also excludes specified transactions, including foreclosure sales, qualifying short leases, certain lead-free leases, and qualifying lease renewals. Apply the exact definition and transaction exception before choosing an answer.

Must an Illinois seller test a pre-1978 home for lead before selling?

No. Federal disclosure law requires the seller to disclose known information and provide available records, but it does not create a positive duty to conduct a lead evaluation or reduction. Illinois seller disclosure law likewise uses actual knowledge and does not require a specific investigation to complete its report. A buyer may still negotiate testing, and federal law ordinarily gives the buyer a 10-day evaluation opportunity in a covered sale.

What does the seller disclose about lead?

The seller discloses known lead-based paint and known lead-based paint hazards, plus available details such as the basis, location, and painted-surface condition. The seller also provides available lead records and reports. In multifamily target housing, that can include common-area records and building-wide evaluation or reduction information concerning other units. Saying no knowledge is not the same as certifying that no lead exists.

What is the buyer's 10-day lead inspection period?

Before the buyer is obligated to purchase covered target housing, the seller must permit 10 days for a lead risk assessment or inspection. The parties may agree in writing to a different period, and the buyer may waive the opportunity in writing. The federal 10-day right applies to purchasers, not lessees, and it should not be confused with a general home-inspection contingency created by contract.

What must the sales contract contain?

The contract attachment must contain the prescribed Lead Warning Statement, the seller's knowledge statement, the list of reports or a statement that none are available, the buyer's receipt acknowledgments, the buyer's evaluation-opportunity or waiver statement, the agent certification when an agent acts for the seller, and dated signatures of sellers, agents, and buyers. The rule requires the disclosure in the language of the contract.

Does a landlord give a tenant a 10-day inspection opportunity?

No. The federal regulation requires the 10-day evaluation opportunity for a purchaser. A covered lease still requires the pamphlet, known-information disclosure, available records and reports, the lease warning statement, receipt acknowledgments, agent certification when applicable, and signatures and dates before the tenant is obligated. Do not import the sale-only 10-day provision into a lease question.

What is the agent's responsibility for lead disclosure?

An agent for the seller or lessor must inform that principal of the federal duties and ensure that the required activities are performed, or personally ensure compliance. The completed document also records the agent's certification and signature. If the agent informed the principal as required, the agent is not liable under this rule for lead information the principal knew but withheld from the agent. Buyer-only representatives paid entirely by the buyer are excluded from the rule's agent definition.

How long are lead disclosure records retained?

The seller and any agent retain the completed sales attachment for at least three years from completion of the sale. The lessor and any agent retain the completed attachment or lease containing the required information for at least three years from commencement of the lease term. This recordkeeping period does not shorten a person's other legal rights or limitation periods.

How does Illinois seller disclosure overlap with the federal lead form?

They are separate duties. Item 17 of the Illinois Residential Real Property Disclosure Report asks whether the seller is aware of unsafe concentrations or unsafe conditions involving lead paint, lead water pipes, lead plumbing pipes, or lead in soil. Federal law separately controls most pre-1978 sales and leases and requires its own pamphlet, warning, records, acknowledgments, and sale evaluation opportunity. Completing one form does not automatically complete the other.

Is renovation certification the same as transaction disclosure?

No. The EPA Renovation, Repair and Painting Rule governs compensated work that disturbs painted surfaces in covered pre-1978 housing and child-occupied facilities. It generally requires certified firms, trained renovators, lead-safe practices, pre-renovation education, and records. The transaction disclosure rule governs information before a sale or lease. A property can trigger one, both, or neither depending on the facts.

Are these official exam questions or legal advice?

No. The practice questions are original. The PSI Illinois outline, 40 CFR Part 745 Subpart F, EPA and HUD materials, 765 ILCS 77/35, 410 ILCS 45, and 77 Illinois Administrative Code 845 were checked through August 1, 2026. This is exam education, not legal, environmental, medical, leasing, or renovation advice. Use the current forms, property facts, licensed lead professionals, and counsel for a live transaction.

Primary sources

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