Housing is a fundamental human need, but making sure that every person has access togood quality housing is a worldwide challenge. Public policy impact on the quest for housing adequacy and affordability is visible in Bamenda as Cameroon’s fourth city. This paper investigates the effectiveness of institutional policy and structures put in place to determine the on-going processes of housing management in Bamenda. To explore this nexus, explanatory design was used involving direct interviews of policy officials who operate within the cross sectorial housing institutions in Bamenda. The practice perceptions were captured through a 372 questionnaires survey on households in addition to field observations. Results portray that varied regulatory instruments have been enacted to mitigate housing and urban challenges as the 2004 Town Planning Law and its subsequent decrees signed in 2008, the 1974 Land Ordinance and the 1976 Decree to lay down conditions for obtaining land certificates, the 1996 Environmental Management Law, 1998 Water Code, 2004 Laws of Decentralisation and Deconcentration. Results also show that despite the number of housing institutions and policies put in place, housing practices in Bamenda continue to resist regulatory texts, land certificates and building permits fostering the illegal occupation of flood plains and risky slopes. This paper opts for an effective policy environment that enforces housing laws and regulations, while allowing sufficient flexibility to align to local conditionswithin Bamenda.