jhorrocks/Getty Images The need for criminal justice reform is in the spotlight, but to truly change the course for Black families in the US, what's needed most is housing reform. Home ownership is one of the top ways wealth is accumulated in the US, and the home ownership disparity between Black and white Americans is cavernous. These disparities have their roots in racist lending programs set up by the Federal Housing Administration that continue to affect Black home buyers today. Sign up to get Personal Finance Insider's newsletter in your inbox » Our family moved into a new home in the Dorchester neighborhood of Boston recently.