Black families suffer the longstanding legacy of racially discriminatory housing policies. One proposal to remedy that legacy is called the “21st Century Homestead Act.” The basic approach is a wholesale transfer of land to residents who meet certain criteria. The author of the plan is Mehrsa Baradaran, a professor of law at the University of California Irvine School of Law. She is the author of “The Color of Money: Black Banks and the Racial Wealth Gap.”