; Whereas a National Fair Housing Alliance report in December 2019 found an 87-percent rate of racial steering, perverse redlining, and other harrowing forms of discrimination for families seeking to purchase homes in 12 cities across the United States; Whereas 2018 Census Bureau data found the homeownership rate was 73 percent for non-Hispanic White households, 42 percent for African-American households, 47 percent for Hispanic or Latinx households, and 58 percent for Asian or Native Hawaiian/Pacific Islander households, and in the past 15 years, Black homeownership has seen the most dramatic drop of any racial or ethnic group and it is now as low as it was when discrimination was legal, contributing to the racial wealth gap; Whereas a 2016 DEMOS study found that eliminating disparities in homeownership rates and returns would substantially reduce the racial wealth gap; Whereas the 2016 DEMOS study found that Black and Latino homeowners saw less return in wealth on their investment in homeownership, finding that for every $1 in wealth that accrues to median Black households as a result of homeownership, median White households accrue $1.34, while for every $1 in wealth that accrues to median Latino households as a result of homeownership, median White households accrue $1.54; Whereas the Center for Responsible Lending testified in May 2019 to the Subcommittee on Housing, Community Development and Insurance of the Financial Services Committee of the House of Representatives that data from the Home Mortgage Disclosure Act continues to demonstrate low levels of conventional mortgage loans to African-American and Latino families and, further, the Center for Investigative Reporting Reveal report analyzed 31 million mortgage records and found that, in 61 metropolitan areas in the United States, African Americans and Latinos are more likely to be turned down for a conventional mortgage application than similarly situated White borrowers, among other forms of invidious discrimination