Racist outcomes do not require intent. That's why the Fair Housing Act was written to make discriminatory outcomes illegal, not just intent. And no, I don't think you're racist at all, but the outcomes of the policies you want to keep are racist.

If you're open to some books about this, or study work, I'd be happy to cite. Are you open to changing your mind?

You seem to use the word racist in a different way than I do. What I have learned is that an action can only be racist if there was a race-based intent. It cannot be racist if there was not a race-based intent. For example, if a blind person was unaware that his colleague was Asian, and he hurt the colleague's feelings by referring to his hard work ethic, that is not (to my understanding) a racist remark.

Similarly, a policy is not a racist policy if it disproportionately affects people of one race or another. If that were the case, any policy that increased the share of taxes paid by the poor, or the rich, would be racist (against black people or Indian people). But I believe that any change in tax rates is not intrinsically racist, which is what an outcome/correlation-based definition would require.

You're free to share links, but TBH I think we're speaking different languages here. You've also not answered my point about regulatory capture, which you seem to define in a novel way.