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 me elimination of discrimination against individuals with disabilities; (5) in 1991, data collected under the Home Mortgage Disclosure Act disclosed evidence of pervasive discrimination in the Nation's mortgage lending markets; (6) the Housing Discrimination Siirvey, released by the Department of Housing and Urban Development in 1991, found that Hispanic and African-American homeefeekers 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 Community Development Act of 1987; (8) continuing educational efforts by the real estate industry are a useful way to increase understanding by the public of their fair housing rights and responsibilities; and (9) the proven emcacy 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 USC 36i6a. (1) by redesignating subsections (b) through (e) as subsections (e) through (h), respectively; (2) by inserting after subsection (a) the following new subsections: "(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 Secretary ma3^ enter into multiyear contracts and take such other action as is appropriate to enhance the effectiveness of such investigations and enforcement activities. "(2) AcnvmES. —The Secretary shall use funds made available 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 (b)(D, 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
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