ABSTRACT
Housing policy is not just about subsidies. It encompasses more than public housing, vouchers, and other programs that subsidize low-income renters. It does not end with tax deductions for homeowners and tax incentives for private investment in low-income hous ing. It can also strive to tear down institutional barriers that limit housing choices and opportunities for low-income and minority households. Most importantly, housing policy can attack discriminatory practices in the real estate and mortgage markets that put Afri can Americans and other minorities at a decided disadvantage (Briggs 2005; Carr & Kutty 2008).
