"Something like- here is a law that was passed (in our history books) but let's add more context to understand some 'other' consequenses that came with the law? Am I even close? "

Yes.

Are many black neighborhoods overrepresented by families in poverty because blacks are lazy and eager to live off our taxes or is it because laws and institutional practices made it almost impossible for black families to build wealth while making it relatively easy for white families to do so? That's the issue CRT seeks to interrogate. It doesn't take any position about the racial attitudes of the white people that benefitted from that structure but it does conclude that they did benefit.