PUBLIC LAW 102-550—OCT. 28, 1992 106 STAT. 3869

(3) in the Financial Institutions Reform, Recovery and
Enforcement Act of 1989, the Congress expanded the disclosure
provisions under the Home Mortgage Disclosure Act to provide
increased information on the mortgage lending patterns of
financial institutions;

(4) in the Americans with Disabilities Act of 1990, the
Congress provided a clear and comprehensive national mandate
for the elimination of discrimination against individuals with
disabilities;

(5) in 1991, data collected under the Home Mortgage Disclo-
sure Act disclosed evidence of pervasive discrimination in the
Nation's mortgage lending markets;

(6) the Housing Discrimination Survey, released by the
Department of Housing and Urban Development in 1991, found
that Hispanic and African-American homeseekers experience
some form of discrimination in at least half of their encounters
with sales and rental agents;

(7) the Fair Housing Initiatives Program should be revised
and expanded to reflect the significant changes in the fair
housing and fair lending area that have taken place since
the Program's initial authorization in the Housing and Commu-
nity Development Act of 1987;

(8) continuing educational efforts by the real estate indus-
try are a useful way to increase understanding by the public
of their fair housing rights and responsibilities; and

(9) the proven efficacy of private nonprofit fair housing
enforcement organizations and community-based efforts makes
support for these organizations a necessary component of the
fair housing enforcement system.

(b) IN GENERAL.—Section 561 of the Housing and Community
Development Act of 1987 (42 U.S.C. 3616 note) is amended— 42 use 36i6a.

(1) by redesignating subsections (b) through (e) as sub-
sections (e) through (h), respectively;

(2) by inserting after subsection (a) the following new sub-
sections:

"(b) PRIVATE ENFORCEMENT INITIATIVES.—

"(1) IN GENERAL.—The Secretary shall use funds made
available under this subsection to conduct, through contracts
with private nonprofit fair housing enforcement organizations,
investigations of violations of the rights granted under title
VIII of the Civil Rights Act of 1968, and such enforcement
activities as appropriate to remedy such violations. The Sec-
retary may enter into multiyear contracts and take such other
action as is appropriate to enhance the effectiveness of such
investigations and enforcement activities.

"(2) ACTIVITIES.—The Secretary shall use funds made avail-
able under this subsection to conduct, through contracts with
private nonprofit fair housing enforcement organizations, a
range of investigative and enforcement activities designed to—
"(A) carry out testing and other investigative activities
in accordance with subsection (bXD, including building the
capacity for housing investigative activities in unserved
or underserved areas;

"(B) discover and remedy discrimination in the public
and private real estate markets and real estate-related
transactions, including, but not limited to, the making or
purchasing of loans or the provision of other financial