“…The racial wealth gap between white and Black individuals in the United States is persistent, with data from the 2019 Survey of Consumer Finance (SCF) indicating that white individuals possess six times more wealth than Black individuals (Derenoncourt et al, 2022). This gap is a result of centuries of discriminatory policies and practices, beginning with transatlantic slavery and the conquest of America (Park, 2016), and continuing through Jim Crow laws, residential segregation (Massey and Denton, 2003), and discriminatory mortgage lending practices (Immergluck, 2004;Rothstein, 2018), commonly referred to as redlining (Winling and Michney, 2021), among others.…”