The Center for Responsible Lending, Self-Help Credit Union, and Self-Help Federal Credit Union submitted this public comment letter to the Department of Housing and Urban Development in support of its proposed rule to recodify its previously promulgated rule titled, “Implementation of the Fair Housing Act’s Discriminatory Effects Standard” (2013 Rule). The comment supports restoring the power of the “disparate impact” standard, a crucial legal tool used to identify and eliminate discrimination.