The North Carolina Real Estate Commission (NCREC) recommends reading the book, "The Color of Law: A Forgotten History of How Our Government Segregated America" by the leading authority on housing policy Richard Rothstein. In his groundbreaking book, he makes it clear that it was the laws and policy decisions passed by local, state, and federal governments that actually promoted the discriminatory patterns that continue to this day - not because of individual prejudices, income differences, or the actions of private institutions like banks and real estate agencies.