Current mortgage tax subsidies function as lawful redlining favoring white homeowners

Evidence

In truth, homeownership in America is rigged and has been from the beginning. Most white homeowners win, and all but a few black homeowners lose. Forget the Fair Housing Act, forget redlining, forget the illegal but still active practice of mortgage discrimination. Today’s federal government creates and perpetuates pro-white policies in the form of tax subsidies for homeownership that are perfectly lawful. Tax subsidies for homeownership are little more than the twenty-first-century version of redlining, and they must be repealed. — Dorothy A. Brown, Getting to Reparations, 1302

Categorization

• ADDENDUM: Connects to the grafting article’s theme of hidden systemic mechanisms, and more directly to the broader accounting-not-charity reparations frame — but strongest as a crisp statement to defend in the legal-brief reading.
• DEFINE: Defines tax subsidies for homeownership as the present-day equivalent of redlining — a key reframing term for the entire argument.
• XREF: connects to: Federal agencies color-coded neighborhoods by race to steer mortgage lending