; Whereas the National Association of Real Estate Boards, which became the National Association of Realtors, had harmful racial discrimination as part of its ethics code; Whereas prior to the passage of the Fair Housing Act in 1968, Federal, State, and local governments actively and explicitly enforced policies that discriminated against racial minorities seeking homeownership opportunities, making it harder for them to purchase homes in certain neighborhoods or to obtain financing on fair terms, and during much of the 20th century, State and local governments promoted segregation in neighborhoods across the Nation by actively enforcing racially restrictive covenants, which were legally enforceable provisions in property deeds that prohibited racial minorities from purchasing homes in White residential neighborhoods; Whereas during the height of the foreclosure crisis, about a quarter of African-American and Latino homeowners had lost their homes to foreclosure or were seriously delinquent, compared to just under 12 percent for White homeowners and just under 14 percent for Asian-American homeowners, and by 2011, 25 percent of Black homeowners and 28 percent of Hispanic homeowners had underwater mortgages, a home purchase loan with a higher outstanding principal obligation than the fair-market value of the home, compared to just 15 percent of White homeowners; 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