Most metropolitan areas in the North and South continue to have a high degree of residential segregation. The extensive racial oppression has kept their descendants today from inheriting the economic resources necessary to develop a significant share of business in the economy under present-day conditions of official desegregation. Urban and rural patterns of racial segregation in housing today provide empirical evidence of the impact of large-scale discrimination by an array of white discriminators in the past and present. Many white-run insurance companies also create housing barriers for Americans of color. Entrepreneurship efforts by Americans of color are often met by the stern realities of persisting systemic racism. A report of the National Commission on Fair Housing found that federal and state laws banning racial discrimination in rental and sales housing are at best weakly enforced in many US areas. Residential segregation makes possible, or strongly reinforces, numerous other types of racial exclusion, discrimination, and subordination.