The gist

Authorizes $62.5M yearly through 2028 to fund undercover testers who catch housing discrimination against renters, buyers, and mortgage applicants.

Who wins, who loses

• Wins: families with kids, veterans, people with disabilities, and racial minorities facing rental or lending bias.
• Loses: landlords and mortgage lenders who discriminate; they face investigations triggered by sting operations.

What it does

• Funds $15M/year for Housing and Urban Development (HUD) to run nationwide undercover discrimination testing.
• Raises Fair Housing Initiatives Program funding to $42.5M/year; 75% goes to private enforcement groups.
• Creates $5M/year competitive grants for nonprofits studying discrimination; requires 50% non-federal matching funds.
• Requires HUD to issue tester training rules within 180 days and report results to Congress biennially.

Why should I care?

Where a family lives shapes a teen's school, safety, and opportunities. Supporters say testing is the only way to catch subtle discrimination that paperwork alone misses. Critics argue undercover stings waste taxpayer money and create entrapment risks for small landlords already following the law. Where do you land? Vote below and use "Tell Your Rep" to make sure your voice reaches Congress.