,,iv  #aah? ,,congress  #a/ ,session    
,h4 ,,res4 #ccg  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,april #bh1 #bjbc,mr4 
,gre5 ( ,texas 7= himself1 ,ms4 ,wat]s1 
,ms4 ,moore ( ,wiscons91 ,ms4 ,norton1  
,ms4 ,velzquez1 ,mrs4 ,watson ,coleman1 
,mrs4 ,beatty1 ,ms4 ,bonamici1 ,mr4     
,khanna1 ,ms4 ,scanlon1 ,mr4 ,?ompson ( 
,mississippi1 ,mr4 ,trone1 ,mrs4        
,ramirez1 ,ms4 ,br[n1 ,mr4 ,pocan1 ,ms4 
,crockett1 ,mr4 ,c>son1 ,ms4 ,dean (    
,p5nsylvania1 ,ms4 ,g>cia ( ,texas1 ,ms4
 ,lee ( ,cali=nia1 ,ms4 ,sn*ez1 ,mrs4   
,hayes1 ,mr4 ,blum5au]1 ,ms4 ,williams (
 ,georgia1 & ,mr4 ,evans7 submitt$ !    
foll[+ resolution2 :i* 0 ref]r$ to !    
,committee on ! ,judici>y  ,,resolution 
,promot+ & support+ ! goals & ideals ( !
 ,fair ,h\s+ ,act & recogniz+ ,april    
#bjbc 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 sexual ori5tation1 g5d] id5tity1   

familial /atus1 disability1 & religion4 
,:]eas ,april #aa1 #bjbc1 m>ks ! #ee?   
anniv]s>y ( ! date ( enactm5t ( ! ,civil
 ,rights ,act ( #aifh1 title ,,viii (   
:i* 7#db ,u4,s4,c4 #cfja et seq47 is    
commonly kn[n z ! ,fair ,h\s+ ,act2     
,:]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+ ,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 prohibit$ discrim9ation
 9 h\s+ & h\s+-relat$ transactions on ! 
basis ( race1 color1 national orig91 &  
religion2 ,:]eas ! mission /atem5t ( !  
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
7,,hud7 reflects a commitm5t to build   
inclusive & su/a9able communities free f
 discrim9ation2 ,:]eas1 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] id5tity & sexual ori5tation2 ,:]eas
 ,septemb] #ac1 #bjbc1 w m>k ! #ce?     
anniv]s>y ( ! congressional passage ( ! 
,fair ,h\s+ ,am5dm5ts ,act ( #aihh2     
,:]eas ! ,fair ,h\s+ ,am5dm5ts ,act (   
#aihh1 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>           
sup]ficially neutral1 b h a             
discrim9atory effect on protect$        
classes2 ,:]eas ! ,supreme ,c\rt has    
reaffirm$ ! use ( ! disp>ate impact     
doctr9e to *all5ge policies or practices
 t h a discrim9atory effect on protect$ 
classes2 ,:]eas ! majority ( l>ge       
metropolitan areas 9 ! ,unit$ ,/ates are

 m racially segregat$ today ?an 9 #aiij2
 ,:]eas rese>* %[s t1 9 "s cases1 !     
placem5t ( h\s+ fund$ ?r\gh !           
,l[-,income ,h\s+ ,tax ,cr$it program1  
:i* is ! s+le l>ge/ s\rce ( ,f$]al fund+
 = ! creation ( af=dable h\s+ 9 ! ,unit$
 ,/ates1 fur!r entr5*es racial          
resid5tial segregation1 despite ! ,fair 
,h\s+ ,act requir+ t ,f$]al h\s+ funds  
be us$ to affirmatively undo patt]ns (  
resid5tial segregation2 ,:]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$1 !y pay an av]age (  
#hf1jjj1jjj m 9 comb9$ annual int]e/ &  
fees2 ,:]eas fair h\s+ te/+ has reveal$ 
t discrim9ation exi/s aga9/ p :o use    
public h\s+ assi/ance1 includ+ support f
 ! ,h\s+ ,*oice ,v\*] & ,vet]ans        

,affairs ,supportive ,h\s+ programs &   
o!r s\rces ( income1 & t fair h\s+      
protections aga9/ s\rce-(-income        
discrim9ation mu/ be provid$ to all p2  
,:]eas ! ,l[-,income ,h\s+ ,tax ,cr$it  
program & ,h\s+ ,tru/ ,fund already     
prohibit ! refusal ( h\s+ fund$ ?r\gh   
su* programs to ,h\s+ ,*oice ,v\*]      
hold]s or individuals receiv+ r5tal     
assi/ance ?r\gh ! ,,home ,inve/m5t      
,p>tn]%ips ,program2 ,:]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 neighborhoods are    
und]valu$ by approximately              
#afb1jjj1jjj1jjj :5 comp>$ to           
own]-occupi$ homes 9 simil>ly situat$   
communities t h v few or no ,black      
resid5ts2 ,:]eas ! av]age home 9 a ,:ite
 neighborhood is valu$ #b times high]   
?an comp>able homes 9 ,black & ,lat9x   
neighborhoods1 ev5 aft] controll+ =     
neighborhood *>act]i/ics2 ,:]eas #ib4d  

p]c5t ( apprais]s id5tify z ,:ite &     
#ed4e p]c5t id5tify z male1 comp>$ to ! 
total ,unit$ ,/ates population t        
id5tifies z #ei4c p]c5t ,:ite & #di4e   
p]c5t male2 ,:]eas m ?an #ga p]c5t ( p  
exp]i5c+ homelessness 9 ! ,unit$ ,/ates 
are ,black1 ,lat9x1 ,asian ,am]ican1    
,indig5\s1 or o!rwise non-,:ite despite 
mak+ up j ov] #dc p]c5t ( ! total       
population ( ! ,unit$ ,/ates2 ,:]eas an 
individual's h\s+ conditions impacts _! 
heal?1 educational atta9m5t level1      
employm5t opportunities1 exposure to !  
adv]se effects ( climate *ange1 &       
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 ! #bjbj ,home        
,mortgage ,disclosure ,act data %[ t !  

majority ( loans pur*as$ by !           
gov]nm5t-sponsor$ h\s+ f9ance ent]prises
 prim>ily s]v$ high] income1 ,:ite      
borr[]s 9 weal?i]1 majority-,:ite       
neighborhoods2 ,:]eas ,black & ,lat9x   
borr[]s are m likely to receive mortgage
 loans ?r\gh ! ,f$]al ,h\s+             
,adm9i/ration1 ev5 :5 !y qualify =      
conv5tional l5d+ options t may (f] m    
af=dable t]ms2 ,:]eas rese>* %[s t      
algori?mic bias & discrim9ation exi/ 9  
onl9e h\s+ plat=ms1 automat$ valuation  
models1 & l5d+ t use artificial         
intellig5ce = adv]tis+ & decisionmak+   
purposes1 & !re is an urg5t ne$ to      
elim9ate individual bias t ent]s into ! 
developm5t ( artificial intellig5ce     
sy/ems & sy/emic bias ?r\gh ! use (     
inappropriate or hi/orically bias$ data2
 ,:]eas ! majority ( ,am]icans support  
neighborhood integration & num]\s /udies
 h %[n ! univ]sal b5efits ( resid5tial  
integration2 ,:]eas reports indicate !re
 are m ?an #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 #bjba1 !re 7 a total ( 
#ca1baf h\s+ discrim9ation compla9ts    
report$ nationwide1 an #h4g-p]c5t       
increase ov] ! numb] ( compla9ts fil$ 9 
#bjbj1 despite !re be+ less ,,fhip      
organizations available to process su*  
compla9ts2 ,:]eas ! ,fair ,h\s+         
,assi/ance ,program funds ,/ate z well z
 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 !       
ag5cy's adm9i/ration & en=cem5t ( fair  
h\s+ laws2 ,:]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[n]%ip opportunities = memb]s (     
protect$ classes & combat+ pr$atory     
l5d+2 ,:]eas1 amid a global heal? &     
economic crisis1 h\s+ discrim9ation     
aga9/ heal? c>e work]s & p :o h be5     
infect$ by ! coronavirus1 or are p]ceiv$
 z hav+ be5 infect$1 is contribut+ to   
increas$ evictions & hate crimes2 ,:]eas
 sy/emic heal? & economic disp>ities h  
be5 exac]bat$ by ! coronavirus p&emic1  
disproportionately infect+ communities (

 color1 de/abiliz+ _! employm5t         
opportunities1 & result+ 9 high] levels 
( evictions & =eclosures2 ,:]eas1 dur+ !
 coronavirus p&emic1 z mortgage int]e/  
rates rea*$ hi/oric l[s1 ,black borr[]s 
7 disproportionately d5i$ mortgage loans
 to pur*ase & ref9ance homes due to     
bias$ & pot5tially discrim9atory        
appraisal & l5d+ policies & practices1  
exclud+ !m f weal?-build+ opportunities 
& l[] h\s+ co/s2 ,:]eas1 dur+ !         
coronavirus p&emic1 h>mful s5tim5ts t[>d
 ,asian ,am]ican & ,pacific ,isl&]      
communities incit$ increases 9 racializ$
 & g5d]$ viol5ce across ! ,nation2      
,:]eas reports ( sexual h>assm5t        
increas$ by #cjj p]c5t dur+ !           
coronavirus p&emic1 ) wom5 ( color &    
transg5d] wom5 disproportionately       
report+ su* incid5ts2 ,:]eas immigrant &
 limit$-,engli% pr(ici5t communities mu/
 h 9-language access to onl9e1          
telephone1 pr9t1 & all o!r m$iums ( h\s+
 in=mation1 notices1 & res\rces dur+ !  
coronavirus 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$iums ( h\s+ in=mation1 notices1 &
 res\rces dur+ ! coronavirus p&emic to  
prev5t pr$atory & discrim9atory h\s+ &  
l5d+ practices2 ,:]eas p]sons )         
disabilities1 includ+ s5iors & *ildr5 ) 
disabilities1 h exp]i5c$ unlawful d5ials
 ( _! reasonable accommodation reque/s  
to insulate !m f exposure to !          
coronavirus & its associat$ life-?reat5+
 complications2 ,:]eas !re is a *ronic  
und]supply ( accessible h\s+ & an       
und]5=cem5t ( h\s+ accessibility /&>ds1 
:i* d5ies _m p ) disabilities _! "r to  
fair & accessible h\s+ t is integrat$   
into community sett+s2 & ,:]eas ! ,fair 
,h\s+ ,act is an ess5tial compon5t ( our
 ,nation's civil rights legislation3    
,n[1 !re=e1 be x #a4 ,%ort title ,?is   
resolution may be cit$ z ! ,orig9al     
,fair ,h\s+ ,resolution ( #bjbc4  #b4   
,support = fair h\s+ act ,! ,h\se (     
,repres5tatives-- 7#a7 supports ! goals 

& values ( ! #ee? anniv]s>y ( ! enactm5t
 ( ! ,fair ,h\s+ ,act 7#db ,u4,s4,c4    
#cfja et seq47 & ! #ce? anniv]s>y ( !   
enactm5t ( ! ,fair ,h\s+ ,am5dm5ts ,act 
( #aihh 7,public ,law #ajj-dcj2 #ajb    
,/at4 #afai72  7#b7 supports ef=ts to   
exp&1 /r5g!n1 & increase fair h\s+      
en=cem5t1 education1 & protections1     
includ+ robu/ fund+ = en=cem5t & to     
fully /aff ! ,dep>tm5t ( ,h\s+ & ,urban 
,developm5t's ,(fice ( ,fair ,h\s+ &    
,equal ,opportunity & an expansion (    
fair h\s+ rights to include ,f$]al s\rce
 ( income protections2  7#c7 supports   
activities to recognize & celebrate !   
important hi/orical mile/ones repres5t$ 
by ! anniv]s>ies ( ! enactm5ts ( ! ,fair
 ,h\s+ ,act & ! ,fair ,h\s+ ,am5dm5ts   
,act ( #aihh2 &  7#d7 enc\rages all p1 e
 level ( gov]nm5t1 & ea* ,f$]al ag5cy to
 r$$icate !mselves to ! en=cem5t & !    
ideals ( ! ,fair ,h\s+ ,act & support+  
civil rights laws4