; (B) identify best practices, develop and implement strategies to increase the participation of under-banked and un-banked consumers in the banking system; and (C) submit a report to Congress, within two years of the establishment of the Office and annually thereafter, that identifies any factors impeding the ability to, or limiting the option for, individuals or households to have access to on-going and sustainable relationships with depository institutions to meet their financial needs, discusses any regulatory, legal, or structural barriers to enhancing participation of under-banked and un-banked consumers with depository institutions, and contains regulatory and legislative recommendations to promote better participation for all consumers with the banking system. . D Housing Fairness 7401. Testing for discrimination (a) In General The Secretary of Housing and Urban Development shall conduct a nationwide program of testing to— (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan, and measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (2) measure the prevalence of such discriminatory practices across the housing and mortgage lending markets as a whole. (b) Administration The Secretary of Housing and Urban Development shall enter into agreements with qualified fair housing enforcement organizations, as such organizations are defined under subsection (h) of section 561 of the Housing and Community Development Act of 1987 ( 42 U.S.C. 3616a(h) ), for the purpose of conducting the testing required under subsection (a). (c) Program requirements The Secretary shall— (1) submit to the Congress an evaluation by the Secretary of the effectiveness of the program under this section