evidence: More than half a century after the Fair Housing Act was signed into law in 1968, not only is the homeownership gap between white and Black Americans wider than it was in 1960, the homeownership rate of Black Americans is expected to be lower (40%) in 2040 than it was in 2020 (41%), according to a study by the Urban Institute, a Washington-based research organization focused on upward mobility and equity. Though some of the structural and systemic issues may have been alleviated after the passage of the Fair Housing Act, issues including financial education and awareness can still limit homeownership for lower-income households (a disproportionate share of whom are Black and Hispanic) or trap them into exploitative transactions. [...] Nancy Hite-Norde, 66, a real estate agent with Coldwell Banker in Westchester County, says the low homeownership rate among Black families is a good barometer of the treatment of Black people in this country.