A neutral rule is written without reference to race. A neutral result is something else: it means the rule works about equally well for everyone it touches. The gap between the two is where structural racism often operates. A rule meets people who arrive with different amounts of wealth, time, trust, transportation, documentation and prior experience with government, and those differences did not arise by accident.
Minnesota has a well-documented example. The University of Minnesota Libraries' Mapping Prejudice project has identified thousands of racial covenants, clauses inserted into property deeds to prevent people who were not white from buying or occupying land, with a focus on Minneapolis and Hennepin County. The Federal Reserve Bank of Minneapolis has described how covenants, federal redlining maps that marked neighborhoods of color as high risk, and federal mortgage insurance practices that largely excluded buyers of color combined to shape who could buy homes and build wealth. It also describes freeway construction that cut through St. Paul's Rondo neighborhood, a center of Black community life. The Minneapolis Fed has reported that Minnesota's gap between white homeownership and homeownership among households of color and Native American households is among the largest in the nation. MN Compass publishes Minnesota homeownership rates broken out by race if you want to see current figures; use the published numbers and their date rather than repeating a figure from memory.
Home equity is how many families pay for emergencies, education, care and a stable address. When wealth was blocked for some families across generations, that history shows up today in who can meet an asset limit, who has a fixed address for mail, who can take unpaid time off for a daytime appointment, and who has reason to be cautious with a government agency. None of this requires any present-day employee to act with bias. The rule simply lands on conditions that history produced.
For DHS and DSD work, the practical skill is to look at a rule and ask what it assumes about the person on the other side. Documentation requirements assume access to records. Mailed notices with short deadlines assume stable housing. English-only phone lines assume a language. A degree requirement for a position assumes a particular path through education. Some of these requirements are necessary and legally required; others are habits. Separating the two is institutional work that leaders and program staff can actually do.