,,iv  #aaf? ,,congress  #b;d ,session   
,h4 ,,res4 #hbi  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,febru>y #d1 #bjbj,ms4
 ,cl>ke ( ,new ,york 7= h]self1 ,ms4    
,sewell ( ,alabama1 ,ms4 ,adams1 ,ms4   
,lee ( ,cali=nia1 ,ms4 ,moore1 ,ms4     
,pressley1 ,ms4 ,kelly ( ,ill9ois1 ,ms4 
,fudge1 ,ms4 ,johnson ( ,texas1 ,ms4    
,plaskett1 ,mr4 ,c>son ( ,indiana1 ,mr4 
,?ompson ( ,mississippi1 ,mr4 ,clyburn1 
& ,mr4 ,payne7 submitt$ ! foll[+        
resolution2 :i* 0 ref]r$ to ! ,committee
 on ,f9ancial ,s]vices  ,,resolution    
,ackn[l$g+ ! hi/ory & la/+ impact ( !   
,f$]al ,gov]nm5t-creat$ problem ( r$l9+ 
& ! responsibility ( ! ,f$]al ,gov]nm5t 
to address su* impact4  ,:]eas access to
 opportunity plays a fundam5tal role 9  
det]m9+ ! prospects ( an individual )   
respect to a*iev+ upw>d mobility & !    
,am]ican ,dream2 ,:]eas :]e an          
individual lives plays an outsiz$ role 9
 det]m9+ ! access ( su* individual to   
life-alt]+ opportunities1 su* z f9d+ a  
well-pay+ job & avoid+ illnesses caus$  

by environm5tal factors2 ,:]eas a       
p]si/5t weal? gap exi/s 9 ! ,unit$      
,/ates betwe5 ! weal?y & ! va/ majority 
( ,am]icans1 a gap t p>ticul>ly impacts 
communities ( color2 ,:]eas a lack (    
weal? increases ! vuln]ability ( a      
family to socioeconomic em]g5cies1 su* z
 heal?-relat$ em]g5cies t c cause       
f9ancial ru92 ,:]eas an income gap only 
expla9s a small portion ( ! racial weal?
 gap2 ,:]eas h\s+1 z ! mo/ common       
h\sehold asset & l>ge/ s\rce ( private  
weal?1 is ! l>ge/ driv] ( ! racial weal?
 gap2 ,:]eas ,f$]al ,gov]nm5t r$l9+     
provid$ ! f9ancial f\ndation & legal    
impetus = ! racially discrim9atory h\s+ 
practices pr9cipally responsible = a    
disp>ity 9 h\s+ weal?2 ,:]eas r$l9+ us$ 
! au?ority ( ! ,f$]al ,gov]nm5t &       
lev]ag$ ! borr[+ p[] ( t ,gov]nm5t to   
re9=ce racially discrim9atory inc5tive  
/ructures 9 ! h\s+ m>ket t sub/antially 
contribut$ to ! p]si/5t segregation /ill
 se5 today2 ,:]eas segregation creates  
an additional b>ri] to upw>d mobility = 

m9ority communities by conc5trat+       
disadvantage reg>dless ( income2 ,:]eas 
neighborhoods ) high conc5trations (    
,jews & immigrants f ,irel&1 ,italy1    
,pol&1 & o!r ,ea/]n ,european c\ntries 7
 also r$l9$1 creat+ a multie?nic        
diaspora ( ! int5tionally m>g9aliz$2    
,:]eas ! f9ancial crisis ( #bjjg & #bjjh
 exac]bat$ ! racial weal? gap2 ,:]eas   
int5tionally malici\s & racially        
motivat$ l5d+ practices by l>ge f9ancial
 in/itutions directly result$ 9 ! wid5+ 
( ! racial weal? gap 9 ! ru?less pursuit
 ( pr(its2 ,:]eas ef=ts to inc5tivize ! 
private sector to l5d to ! victims (    
r$l9+ & hi/orically f9ancially und]s]v$ 
areas h fail$ to g5]ate ! private l5d+  
necess>y to close ! weal? gap or address
 disp>ate access to cr$it2 & ,:]eas !   
,trump adm9i/ration seeks to und]m9e !  
already weak inc5tive /ructure t pu%es  
f9ancial in/itutions to l5d to ! victims
 ( r$l9+3 ,n[1 !re=e1 be x  ,t ! ,h\se (
 ,repres5tatives ackn[l$ges-- 7#a7 !    
hi/ory & la/+ impact ( ! ,f$]al         

,gov]nm5t-creat$ problem ( r$l9+2 &     
7#b7 t ! ,f$]al ,gov]nm5t has a         
responsibility to take any & all        
necess>y affirmative actions to         
ameliorate ! direct negative impacts (  
r$l9+4