Housing has been the most egregious instance of discrimination in America's economy, with a 32.5% gap in homeownership between black and white Americans. This in turn drives a massive racial wealth gap because of the economic importance of owning a home. Therefore, housing reparations are needed to increase black homeownership and counteract existing biases.

 Sophomore Robert Shang sits in the EEE room, surrounded by friends, a binder open in front of him.  As he works on homework, he fiddles with zip of his sweater, worn over a plain T-shirt and shorts,...