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The Racial Wealth Gap: Why Policy Matters

Demos and Institute for Assets and Social Policy

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2015

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Economics

3-Minute Summary

A policy report documenting the racial wealth gap — the median white family holds 13 times the wealth of the median Black family — and analyzing the specific policy mechanisms that created and maintain it, including homeownership barriers, educational debt, and employment discrimination.

Why It Matters

The racial wealth gap is the most precise quantitative measure of the cumulative effect of American racial policy. This report connects specific policies to specific outcomes, making the abstract concrete and the historical current.

Where to Read

Demos.org (free PDF)

Key Policies & Events

Homeownership policyStudent debtEmployment discriminationInheritance and intergenerational wealthRedlining legacy