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Democratic presidential nominee Joe Biden has presented a broad—and expensive—set of housing policy prescriptions. Some commentators have called them a “comprehensive plan” for housing, while others say Biden is throwing big money at real problems without offering practical solutions.Either way, the Biden campaign’s housing plan is a wish list. If Biden wins, final passage of most of these proposals depends entirely on which party ends up controlling Congress.This article is based on known Biden proposals to:· Expand the housing choice voucher program· Require states receiving government money to plan for affordable housing units· Reinstate an Obama-era rule requiring communities to create a plan to mitigate discriminatory housing practicesForbes Advisor reached out to both the Trump and Biden campaigns, but neither responded for comment. To learn how the Trump administration might handle housing issues during a second term, see this story.Biden Housing Overview: Expand Affordable HousingBiden’s plans earmark billions of dollars to provide fair and affordable housing for middle-class families and the poorest Americans. All in all, Biden’s housing policy proposals would cost 0 billion over 10 years, although he has not detailed where any of this funding would come from.The Biden plan would put 0 billion into an “Affordable Housing Fund,” the bulk of which ( billion) would provide incentives to develop and rehabilitate low-cost housing where there’s a shortage.“These funds will be directed toward communities that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing,” according to Biden’s plan.Biden’s Plans Would Boost Section 8 AvailabilityThe plan also calls to expand the Section 8 housing choice voucher program, the largest federal housing program for low-income renters. Biden would make Section 8 an entitlement, thus ensuring vouchers to all eligible people.Currently, only 1 in 5 eligible households receive assistance, with waiting times pushing two years in some places. Some 2 million households receive Section 8 vouchers, but that’s not enough to meet demand.“Expanding vouchers to all those eligible will need to be matched with a strong, national measure to include ‘source of income’ as a protected class under fair housing law,” says Miriam Axel-Lute, editor of Shelterforce, a nonprofit publication published by the National Housing Institute.In addition, Axel-Lute says, reducing exclusionary zoning policies, which ban construction of multi family homes, would expand the home selection for families with vouchers.Biden also would push for a law that would ban discrimination against tenants who use Section 8 vouchers or receive other federal housing benefits.Biden Would Restore Fair Housing RulesBiden has pledged to reinstate the Obama administration’s Affirmatively Furthering Fair Housing (AFFH) rule. The Trump administration only recently terminated the rule, which required towns and cities that received HUD funding to create plans to eliminate housing descrimination in their localities.Critics of AFFH have said there were too many hoops to jump through in order to get funding, while proponents have defended the initiative as being an integral step in promoting fair housing policies.Maintaining the Obama-era rule would help push forward housing equity, says Bruce Dorpalen, executive director of the National Housing Resource Center.“Biden’s proposal shows that there is institutional racism and biases we need to change. If we want to reestablish the Black middle class in this country, homeownership has to be part of that,” Dorpalen says. ”The Biden housing platform has that built-in.”President Trump has falsely stated that the AFFH rule would have “required high-density zoning, eliminated single-family zoning, and destroyed our suburbs.” The rule does not mandate any particular solution to discrimination or unfair practices; it just requires that each community identify the problems and come up with a workable solution.Solomon Greene, a senior fellow at the Urban Institute, a Washington D.C.-based think tank, says that AFFH holds municipalities accountable if they want to receive federal dollars, but doesn’t tell them how to do it.“The 2015 AFFH rule offers guidance, not a particular solution,” says Greene, who was part of the HUD team that wrote the rule in 2015. “Every plan I’ve reviewed has been incredibly diverse; there was a huge range of strategies depending on the area. This is very far from Trump’s assertion that the AFFH rule was requiring rezoning of suburbs or even to build affordable housing.”Fight Single-Family Zoning to Expand Housing and Curb DiscriminationThe U.S. faces a shortage of housing, running 19% below last year’s supply. Although new construction was up in July, the housing market needs more positive growth to reach balanced levels, says Lawrence Yun, chief economist at the National Association of Realtors (NAR).The housing shortage is the most pronounced in the West, according to data from NAR.Experts on both sides of the aisle have called for a ban on single-family zoning, which is said to drive up home prices and restrict new construction, contributing to the housing shortage.A story by Charles Marohn published in The New Conservative says about single-family zoning: “After all, there is no greater distortion of the market than local zoning codes, and there are few bureaucracies doing more harm to property rights and freedom than local zoning offices.”Biden addresses zoning issues several times in his housing plan when it concerns discrimination or where federal grant money is involved.The Biden plan would seek to “eliminate local and state housing regulations that perpetuate discrimination.” More specifically, a Biden administration would require states receiving community development or transportation block grants from the federal government dollars through Community Development Block Grants or Surface Transportation Block Grants to incorporate inclusionary zoning into their planning. Inclusionary zoning requires that a portion of new construction is set aside for affordable housing.Biden also would allocate billion for state housing authorities and the Indian Housing Block Grant program to build and restore housing in low-income areas. This money would go to communities “that are suffering from an affordability crisis and are willing to implement new zoning laws that encourage more affordable housing.”Ed Pinto, senior fellow at the American Enterprise Institute, a right-leaning think tank, doesn’t believe that Biden’s plan goes far enough to eradicate single-family zoning. According to Pinto, single-family zoning promotes “NIMBYism,” an acronym for “not in my backyard.”“We have supply constraints because of terrible zoning policies,” Pinto says. “Single-family zoning promotes NIMBYism, which drives house prices up tremendously in low-cost areas. None of the things in Biden’s proposal would make things better. You still end up with a housing shortage, nowhere to build and federally guaranteed loans that increase demand against limited supply.”Eliminate Biased Housing Practices and Expanding AffordabilityThe Biden housing plan sets a goal to stamp out racially biased practices like redlining, which denies people services or charges more for those services based on race, religion or ethnicity. Furthermore, the Biden plan wants to ensure that Americans spend no more than 30% of their income on housing, which would help people in all income brackets. These ideas would be achieved by enacting legislation similar to the “Housing, Opportunity, Mobility, and Equity (HOME) Act.”The HOME Act would give a refundable tax credit to people who spend more than 30% of their income on rent. It also would require inclusionary zoning—a requirement that developers set aside a percentage of units that would be rented or sold at reduced prices—which would help increase affordable housing construction while also knocking out housing discrimination based on race and income.The Biden plan also would target unfair property appraisals, which values Black-owned homes at tens of thousands of dollars less than comparable white-owned homes. A study by the Metropolitan Policy Program at the Brookings Institute found that homes of matching quality and amenities in predominantly Black neighborhoods were valued at 23% less than in those neighborhoods with fewer Black residents.“Anti-discrimination legislation, like ending redlining—which Biden proposes—in housing is crucial,” David Dworkin, CEO of the National Housing Conference, a nonprofit, nonpartisan coalition of national housing leaders from both the public and private sector, says. “What Biden is proposing would help millions of Americans. There’s a disturbing element of ‘I’ve got mine, too bad for you.’ Some people say, ‘I put 20% down on the house, why can’t you?’Bottom LineBiden’s housing plan aims to reduce or eliminate discriminatory practices in the housing industry through legislation and expanded funding, from reinstating Fair Housing Rules to broadening programs that would help low-income families.However, while Biden’s vision of fair and affordable housing is both admirable and needed, critics say that he’s doing little more than throwing money at big problems, such as the lack of affordable housing.“Biden has one solution to every problem: he’s going to spend more money on it. There’s very little thoughtful planning here; what there is is an open checkbook,” says Michael Tanner, senior fellow at the Cato Institute, a libertarian think tank.More from Forbes Advisor:How Would A Second Trump Term Impact Major Housing Issues?No, Joe Biden Will Not Kill Your 401(k)Who’s Better For Your Retirement Portfolio: President Trump or President Biden? 9881

DEL MAR, Calif. (KGTV) - The Del Mar City Council voted to add more enforcement to their community, specifically targeting people who are not following county health orders regarding masks.The city currently contracts with the sheriff’s department for one single deputy to be on the clock 24 hours a day, seven days a week, but with this new addition, two more part-time deputies will be added. The two will work four hours a week, likely on the weekends, patrolling the streets as usual, with an extra eye on people violating county health orders. The focus will be on education first, but violations could result in a misdemeanor costing up to ,000. That money does not go back to the city of Del Mar, but rather to the county.City Councilman Dave Druker has lived in Del Mar for 34 years. He said recently, crowds visiting the beach community have discouraged locals from leaving their homes, so the goal is not only keep visitors safe but also support locals.“There’s a whole lot of people in town that are, at this point, terrified to go out,” said Druker.He said with their small community and large crowds of visitors, the one deputy was not enough to keep up with the rules.“Because our budget is based on 4,000 people and we have close to 20,000 people on a daily basis here, we thought we should add a little bit of enforcement to this,” said Druker.The total cost of the additional positions for the next four months is ,000, which will come from the 0,000 that Druker said the City Council set aside for COVID-19 relief efforts. He said some arguments against the new jobs have to do with spending that money elsewhere in the city. 1659

Dear members of the public: Please stop making harassing & threatening calls to my staff. They are kind, hardworking public servants just doing their job. Asking them to shove sharpies in uncomfortable places is never appropriate & is a sad commentary on the state of our nation.— Dana Nessel (@dananessel) November 5, 2020 339

Democrats plan to force a vote Wednesday morning on a bill related to health care coverage of pre-existing conditions and the size and scope of insurance plans, the latest action from the minority party's push to focus on the issue of health care going into the midterms.Democratic Sen. Tammy Baldwin of Wisconsin is using the Congressional Review Act to force a vote to overturn the Trump administration rule to expand short-term insurance plans. Forty-nine Democratic senators have said they will support the resolution and they would need two additional Republican votes to reach the fifty-one-vote threshold for the measure to pass, though the GOP-controlled House would likely not act on the legislation. That makes the series of events a largely symbolic vote aimed at forcing moderate Republicans to possibly take a politically difficult vote on the record.Short-term health plans don't have to adhere to the Affordable Care Act's regulations that protect people with pre-existing conditions. These plans can deny coverage or charge higher premiums to Americans based on their medical histories. And they don't have to provide comprehensive coverage. 1165

Deputy Attorney General Rod Rosenstein has clearly indicated he wants special counsel Robert Mueller's probe to conclude as soon as possible, Bloomberg reports, citing a U.S. official.President Donald Trump's lawyer Rudy Giuliani said in May that Mueller's office was aiming to finish its probe by September. Some elements of the wide-ranging investigation appear be wrapping up, as a handful the defendants who pleaded guilty move on to sentencing. Mueller's office, however, has made no public statements indicating that the investigation is in its final stages despite repeated calls from Trump to wrap up it up as soon as possible.Last week, CNN reported that Trump's legal team was preparing to answer written questions provided by Mueller, according to sources familiar with the matter.Rosenstein is overseeing the investigation, as Attorney General Jeff Sessions recused himself from any investigations involving the Trump presidential campaign -- a move that has brought on intense criticism from the President.Mueller's office and Trump's legal team have been going back and forth for months over terms for the President to be interviewed by the special counsel.CNN has reported that the questions focus on matters related to the investigation of possible collusion between Trump associates and Russians seeking to meddle in the 2016 election, the sources said. According to sources, Trump's lawyers are preparing written responses, in part relying on documents previously provided to the special counsel. 1522

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