,,iv  #aaf? ,,congress  #b;d ,session   
,h4 ,,res4 #idf  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,may #a1 #bjbj,mr4    
,gre5 ( ,texas 7= himself1 ,ms4 ,wat]s1 
,ms4 ,judy ,*u ( ,cali=nia1 ,mrs4       
,d+ell1 ,ms4 ,moore1 ,ms4 ,norton1 ,ms4 
,wilson ( ,florida1 ,ms4 ,bass1 ,mr4    
,higg9s ( ,new ,york1 ,ms4 ,jackson     
,lee1 ,mr4 ,ha/+s1 ,mr4 ,clay1 ,mrs4    
,beatty1 ,mr4 ,cleav]1 ,mr4 ,david      
,scott ( ,georgia1 ,ms4 ,pressley1 ,mr4 
,gonzalez ( ,texas1 ,ms4 ,velzquez1 ,mr4
 ,l[5?al1 ,mr4 ,cicill9e1 ,ms4 ,g>cia ( 
,texas1 ,mr4 ,sires1 ,mr4 ,lyn*1 ,ms4   
,adams1 ,mr4 ,sean ,patrick ,maloney (  
,new ,york1 ,mr4 ,espaillat1 ,mr4 ,coh51
 ,ms4 ,s*ak[sky1 & ,ms4 ,fudge7 submitt$
 ! foll[+ resolution2 :i* 0 ref]r$ to ! 
,committee on ! ,judici>y  ,,resolution 
,promot+ & support+ ! goals & ideals ( !
 ,fair ,h\s+ ,act & recogniz+ ,april    
#bjbj z ,fair ,h\s+ ,mon?1 :i* includes 
br++ att5tion to ! discrim9ation fac$ by
 ev]yday ,am]icans 9 ! ,unit$ ,/ates 9  
h\s+ & h\s+-relat$ transactions on !    

basis ( race1 color1 national orig91    
sex1 familial /atus1 disability1 &      
religion1 p>ticul>ly dur+ ! ,,covid-#ai 
p&emic4  ,:]eas1 ,april #aa1 #bjbj1 m>ks
 ! #eb;d anniv]s>y ( ! congressional    
passage ( title ,,viii ( ! ,civil       
,rights ,act ( #aifh 7#db ,u4,s4,c4     
#cfja et seq471 commonly kn[n z ! ,fair 
,h\s+ ,act2 ,:]eas1 ,septemb] #ac1      
#bjbj1 m>ks ! #cb;d anniv]s>y ( !       
congressional passage ( ! ,fair ,h\s+   
,am5dm5ts ,act ( #aihh 7,public ,law    
#ajj-dcj2 #ajb ,/at4 #afai72 ,:]eas !   
,*icago ,fre$om ,movem5t1 l$ by !       
,rev]5d ,doctor ,m>t9 ,lu!r ,k+1 ,jr41  
exp&$ ! fight = civil rights f ! ,s\? to
 ! ,nor?1 rais$ ! national consci\sness 
ab\t h\s+ discrim9ation1 & %ap$ ! debate
 t l$ to ! l&m>k fair h\s+ legislation1 
! ,fair ,h\s+ ,act2 ,:]eas ! ,national  
,advisory ,commission on ,civil         
,disord]s1 appo9t$ by ,presid5t ,lyndon 
,b4 ,johnson & commonly kn[n z ! ,k]n]  
,commission1 f\nd on ,febru>y #bi1      
#aifh1 t our nation is mov+ t[>d two    

societies1 "o black & "o :ite--sep>ate &
 unequal2 ,:]eas ,congress pass$ ! ,fair
 ,h\s+ ,act z "p ( ! ,civil ,rights ,act
 ( #aifh1 & ,presid5t ,lyndon ,b4       
,johnson sign$ ! ,act into law on ,april
 #aa1 #aifh1 "o week aft] ! assass9ation
 ( ! ,rev]5d ,doctor ,m>t9 ,lu!r ,k+1   
,jr42 ,:]eas ! ,univ]sal ,decl>ation (  
,human ,rights & ! ,int]national        
,cov5ant on ,economic1 ,social1 &       
,cultural ,rights recognize adequate    
h\s+ z a human "r2 ,:]eas ! orig9al     
,fair ,h\s+ ,act prohibits discrim9ation
 9 h\s+ & h\s+-relat$ transactions on ! 
basis ( race1 color1 national orig91 &  
religion2 ,:]eas ! mission /atem5t (    
,,hud reflects ?is commitm5t to build   
inclusive & su/a9able communities free f
 discrim9ation2 ,:]eas ! ,unit$ ,/ates  
,commission on ,civil ,rights report$ t 
9 #bjai ! ,(fice ( ,fair ,h\s+ & ,equal 
,opportunity ( ! ,dep>tm5t ( ,h\s+ &    
,urban ,developm5t 7,,hud7 _h ! l[e/    
/aff+ levels x has _h s9ce #aiha2 ,:]eas
 9 section #hjh ( ! ,h\s+ & ,community  

,developm5t ,act ( #aigd 7,public ,law  
#ic-chc71 ,congress am5d$ ! ,fair ,h\s+ 
,act to include protection on ! basis ( 
sex1 includ+ g5d]2 ,:]eas ! ,fair ,h\s+ 
,am5dm5ts ,act ( #aihh pass$ by ov]:elm+
 m>g9s 9 ,congress1 includ$ protection  
on ! basis ( familial /atus &           
disability1 creat$ an important en=cem5t
 me*anism1 & exp&$ ! def9ition (        
discrim9atory h\s+ practices to include 
int]f]5ce & intimidation1 requir+ ,,hud 
to issue regulations to implem5t &      
int]pret ! ,fair ,h\s+ ,act & report    
annually to ,congress on ! nature &     
ext5t ( h\s+ discrim9ation2 ,:]eas !    
int5t ( ,congress 9 pass+ ! ,fair ,h\s+ 
,act 0 broad & inclusive1 to advance    
equal opportunity 9 h\s+ & a*ieve racial
 integration = ! b5efit ( all p 9 !     
,unit$ ,/ates2 ,:]eas ! int5t (         
,congress 9 pass+ ! ,fair ,h\s+ ,act 0  
to prohibit discrim9ation 9 all h\s+ &  
h\s+-relat$ transactions1 includ+       
policies or practices t appe> facially  
neutral b h a discrim9atory effect on   

protect$ classes2 ,:]eas ! ,supreme     
,c\rt ( ! ,unit$ ,/ates ( ,am]ica has   
reaffirm$ ! use ( ! disp>ate impact     
doctr9e to *all5ge policies or practices
 t h a discrim9atory effect on protect$ 
classes2 ,:]eas fair h\s+ te/+ has      
reveal$ t discrim9ation on ! basis (    
sexual ori5tation & g5d] id5tity exi/s &
 t fair h\s+ protections mu/ be ext5d$  
to ! lesbian1 gay1 bisexual1 transg5d]1 
& que] 7,,lgbtq7 community2 ,:]eas      
same-sex c\ples are #gc p]c5t m likely  
to be d5i$ a home mortgage comp>$ to    
het]osexual c\ples1 & :5 same-sex c\ples
 are approv$ = a mortgage1 !y pay an    
av]age ( #hf1jjj1jjj m 9 comb9$ annual  
int]e/ & fees2 ,:]eas fair h\s+ te/+ has
 reveal$ t discrim9ation exi/s aga9/ p  
:o use publicly available h\s+          
assi/ance1 includ+ support f ! ,h\s+    
,*oice ,v\*] & ,vet]ans ,affairs        
,supportive ,h\s+ programs & o!r legal  
s\rces ( income1 & t fair h\s+          
protections aga9/ s\rce-(-income        
discrim9ation mu/ be provid$ to all p2  

,:]eas !re cont9ues to be widespread    
discrim9ation 9 ! h\s+ indu/ry aga9/    
,black1 ,lat9x1 & ,asian-,am]ican home  
buy]s by real e/ate ag5ts2 ,:]eas       
own]-occupi$ homes locat$ 9             
majority-,black communities are         
und]valu$ by a cumulative               
#aef1jjj1jjj1jjj :5 comp>$ to           
own]-occupi$ homes 9 simil>ly situat$   
communities t h v few or no ,black      
resid5ts2 ,:]eas ov] #fj p]c5t ( p      
exp]i5c+ homelessness 9 ,am]ica are     
,black or ,lat9x2 ,:]eas an individual's
 h\s+ conditions impact 8 or h] heal?1  
educational atta9m5t level1 employm5t   
opportunities1 & p]sonal weal?2 ,:]eas  
borr[]s ( color lack equal access to    
quality & af=dable cr$it comp>$ to      
simil>ly situat$ ,:ite borr[]s2 ,:]eas  
rese>* %[s t ,black & ,lat9x borr[]s pay
 #gfe1jjj1jjj m 9 comb9$ mortgage int]e/
 ea* ye> comp>$ to simil>ly situat$     
,:ite borr[]s due to discrim9atory      
factors 9 mortgage l5d+ by !            
gov]nm5t-sponsor$ h\s+ f9ance           

ent]prises2 ,:]eas rese>* %[s t         
algori?mic bias & discrim9ation exi/ on 
onl9e h\s+ plat=ms & 9 l5d+ t uses      
artificial intellig5ce = adv]tis+ &     
decision-mak+ purposes2 ,:]eas !        
majority ( ,am]icans support            
neighborhood integration1 & num]\s      
/udies h %[n ! univ]sal b5efits (       
resid5tial integration2 ,:]eas !re are  
e/imat$ to be ov] #d1jjj1jjj violations 
( fair h\s+ laws ea* ye> aga9/ p ( all  
protect$ classes1 & fair h\s+ te/+      
cont9ues to uncov] a high rate (        
discrim9ation 9 ! r5tal1 sales1 mortgage
 l5d+1 & insurance m>kets2 ,:]eas       
#fh1jjj1jjj adults 9 ! ,unit$ ,/ates    
believe !y h exp]i5c$ unequal treatm5t 9
 _! h\s+ se>* due to _! /atus z a memb] 
( a protect$ class "u ! ,fair ,h\s+     
,act2 ,:]eas less ?an #a p]c5t ( fair   
h\s+ violations are report$ ea* ye>2    
,:]eas private nonpr(it fair h\s+       
organizations fund$ by ! ,fair ,h\s+    
,initiatives ,program 7,,fhip7 s]ve z ! 
front l9e 9 ! ef=t to resolve h\s+      

discrim9ation & tra9 local h\s+ provid]s
 on h[ to comply ) ! ,fair ,h\s+ ,act2  
,:]eas1 9 #bjah1 !re 7 a total ( #ca1bjb
 h\s+ discrim9ation compla9ts report$   
nationwide1 ( :i* ov] #ge p]c5t1 or     
#bc1djg compla9ts1 7 fil$ ) local       
private nonpr(it fair h\s+              
organizations2 ,:]eas ! ,fair ,h\s+     
,assi/ance ,program 7,,fhap7 funds ,/ate
 & local civil & human rights en=cem5t  
ag5cies to inve/igate & process h\s+    
discrim9ation compla9ts1 conduct special
 en=cem5t projects1 & take "p 9 tra9+ & 
o!r projects design$ to enhance ,,hud's 
adm9i/ration & en=cem5t ( fair h\s+ law2
 ,:]eas :ile our ,nation has made great 
/rides 9 elim9at+ h\s+ discrim9ation1   
families ) *ildr51 wom51 p )            
disabilities1 p ( color1 religi\s       
m9orities1 immigrants1 ,,lgbtq          
individuals1 & l[-income p receiv+      
public assi/ance1 among o!rs1 /ill face 
discrim9atory b>ri]s to h\s+2 ,:]eas    
fair h\s+ education & en=cem5t play a   
pivotal role 9 increas+ h\s+ *oice &    

home own]%ip opportunities = memb]s (   
protect$ classes & combat+ pr$atory     
l5d+2 ,:]eas amid a global heal? &      
economic crisis1 h\s+ discrim9ation     
aga9/ heal? c>e work]s & p]sons :o h be5
 infect$ by ,,covid-#ai1 or are p]ceiv$ 
z hav+ be5 infect$1 is contribut+ to    
increas$ evictions & hate crimes2 ,:]eas
 reports ( sexual h>assm5t h increas$ by
 #cjj p]c5t 9 "s communities dur+ !     
,,covid-#ai p&emic1 ) incid5ts          
disproportionately be+ report$ by wom5 (
 color & transg5d] wom52 ,:]eas         
immigrant & limit$ ,engli% pr(ici5t     
7,,lep7 communities mu/ h 9-language    
access to onl9e1 telephone1 pr9t1 & all 
o!r m$iums ( h\s+ in=mation1 notices1 & 
res\rces dur+ ! ,,covid-#ai p&emic to   
prev5t pr$atory & discrim9atory h\s+ &  
l5d+ practices2 ,:]eas p]sons )         
disabilities mu/ h equal access to      
onl9e1 telephone1 pr9t1 & all o!r m$iums
 ( h\s+ in=mation1 notices1 & res\rces  
dur+ ! ,,covid-#ai p&emic to prev5t     
pr$atory & discrim9atory h\s+ & l5d+    

practices2 & ,:]eas ! ,fair ,h\s+ ,act  
is an ess5tial compon5t ( our ,nation's 
civil rights legislation3 ,n[1 !re=e1 be
 x ,t ! ,h\se ( ,repres5tatives-- 7#a7  
supports ! goals & values ( ! #eb;d     
anniv]s>y ( ! enactm5t ( ! ,fair ,h\s+  
,act 7#db ,u4,s4,c4 #cfja et seq47 & !  
#cb;d anniv]s>y ( ! enactm5t ( ! ,fair  
,h\s+ ,am5dm5ts ,act ( #aihh 7,public   
,law #ajj-dcj2 #ajb ,/at4 #afai72  7#b7 
supports ef=ts to /r5g!n & increase fair
 h\s+ en=cem5t1 education1 &            
protections1 p>ticul>ly dur+ !          
,,covid-#ai p&emic2  7#c7 supports      
activities to recognize & celebrate !   
important hi/orical mile/ones repres5t$ 
by ! anniv]s>ies ( ! enactm5ts ( ! ,fair
 ,h\s+ ,act & ! ,fair ,h\s+ ,am5dm5ts   
,act ( #aihh2 &  7#d7 enc\rages all p & 
levels ( gov]nm5t to r$$icate !mselves  
to ! en=cem5t & ! ideals ( fair h\s+    
laws4