; Whereas 92.4 percent of appraisers identify as White and 54.5 percent identify as male, compared to the total United States population that identifies as 59.3 percent White and 49.5 percent male; Whereas more than 71 percent of people experiencing homelessness in the United States are Black, Latinx, Asian American, Indigenous, or otherwise non-White despite making up just over 43 percent of the total population of the United States; Whereas an individual’s housing conditions impacts their health, educational attainment level, employment opportunities, exposure to the adverse effects of climate change, and personal wealth; Whereas borrowers of color lack equal access to quality and affordable credit compared to similarly situated White borrowers; Whereas research shows that Black and Latinx borrowers pay $765,000,000 more in combined mortgage interest each year compared to similarly situated White borrowers due to discriminatory factors in mortgage lending by the government-sponsored housing finance enterprises; Whereas the 2020 Home Mortgage Disclosure Act data show that the majority of loans purchased by the government-sponsored housing finance enterprises primarily served higher income, White borrowers in wealthier, majority-White neighborhoods; Whereas Black and Latinx borrowers are more likely to receive mortgage loans through the Federal Housing Administration, even when they qualify for conventional lending options that may offer more affordable terms; Whereas research shows that algorithmic bias and discrimination exist in online housing platforms, automated valuation models, and lending that use artificial intelligence for advertising and decisionmaking purposes, and there is an urgent need to eliminate individual bias that enters into the development of artificial intelligence systems and systemic bias through the use of inappropriate or historically biased data