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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

DENVER, Colo. — Voters in Denver, Colorado, overwhelmingly voted to pass Ballot Measure 2J to lift the cities more than 30 years old ban on pit bulls.Ballot Measure 2J passed with 64.5% voting to lift the ban and 35.5% voting to keep the ban in place.Passing the measure will allow the city to grant a provisional permit to pit bull owners as long as the owner microchips the animal and complies with additional requirements set by Denver Animal Protection.Denver Council member Christopher Herndon led the charge, proposing the idea to lift the pit bull ban in January.Denver City Council voted 7-4 to repeal the ban in February, which would have replaced the law with what could be best described as a “probation” for pit bulls. However, Mayor Hancock vetoed the ordinance just days later, saying in a letter he could not support the legislation because it did not, "fully addresses the very real risk to a severe injury that can result from attacks from these particular dog breeds, especially should they happen to a child."The law banning pit bulls was put in place in 1989 after 20 people had been attacked by pit bulls in the previous five years.One was a 3-year old who died from the attack in 1986. Hancock argued in his letter to the council that less than 20% of all pets in Denver are currently licensed, which "raises significant questions about the effectiveness of this proposed new system."Proponents said breed-specific bans do not work and enforcing the ban has cost the City of Denver more than .8 million.Aurora, Lone Tree, Louisville, and Commerce City still have bans on pit bulls, though Castle Rock repealed their ban in 2018. The Aurora City Council discussed breed restrictions in August but tabled the issue.This story was first reported by Blayke Roznowski at KMGH in Denver, Colorado. 1823

DENVER, Colo. – Democrat John Hickenlooper is projected to defeat Republican incumbent Cory Gardner for Colorado’s U.S. Senate seat, The Associated Press reports.BREAKING: Democrat John Hickenlooper wins election to U.S. Senate from Colorado, beating incumbent Sen. Cory Gardner. #APracecall at 7:42 p.m. MST. #Election2020 #COelection https://t.co/lGfinjTqT4— AP Politics (@AP_Politics) November 4, 2020 The flipped seat puts the Democratic Party one step closer to potentially regaining control of the Senate.Hickenlooper is the former governor of Colorado and the ex-mayor of Denver. He also ran for president during this election cycle before dropping out and entering the Senate race.The mountainous state now has two Democratic senators. Hickenlooper will join Sen. Michael Bennet in Washington D.C.Gardner has represented the Centennial State since 2015. His seat was seen as one of the GOP’s most vulnerable, because the state has steadily moved left over the past few years.According to The Associated Press, Democrats have won every statewide race since Gardner’s election, with the exception of a board of regents position in 2016. 1150

DENVER, Colo. — Colorado prosecutors have filed attempted murder charges against a pickup driver who they believe intentionally veered across several lanes of traffic and struck a motorcyclist.Investigators from the Colorado State Patrol say the victim, Quentin Quidley, his brother, James, and several friends were traveling south on I-25 near Castle Rock when the incident happened back on Aug. 16.Quidley told KMGH they were traveling south through Colorado after a trip to Sturgis, South Dakota. The pickup driver wouldn't let them pass."There was nothing in front of him, (but) he wasn't going to yield," Quidley said. "He floored on the gas and tried to clip us then."The riders eventually got in front of the pickup driver, but he caught up with them.Dash cam video from Gil Steiner shows the pickup veering across several lanes of traffic, then striking Quidley's motorcycle."As I started to tumble, the first thing (I thought) was, here comes that ground and it's going to hurt," he said.Quidley recounted the traumatic encounter with the Ford F-250 during a Webex interview set up by his attorney."I was trying to pull it out of a death wobble," he said.Investigators told KMGH they didn't buy the pickup driver's claim that he simply made an unsafe lane change."We feel very strongly that we can prove in court that this was an intentional act," said Major J.P. Burt, of the Colorado State Patrol.Injury Attorney Brian Calandra, at Ramos Law, said he hopes the crash wasn't intentional."We hope there aren't people out there on Colorado streets intentionally trying to take out folks on motorcycles," Calandra said.The pickup driver, 38-year-old Alberto Mota, was charged with one count of attempted first-degree murder, two counts of attempted first-degree murder with extreme indifference, vehicular assault, four counts of felony menacing, violation of bail bond condition, child abuse, four counts of reckless endangerment, and driving under restraint. 1975

DEL MAR, Calif. (KGTV) - For the past five days, five shark sightings have been reported off North San Diego County beaches, Del Mar lifeguards tell 10News. A juvenile shark, about 5 feet long, was spotted Friday afternoon. It did not show signs of aggressive behavior, lifeguards said. The water was not cleared of swimmers and surfers. Del Mar’s shark sightings started Monday and have continued every day this week. Sighting locations include 15th and 29th streets, City of Del Mar officials reported. Drew Pierce, who went to Del Mar to avoid triple-digit heat in Temecula, was in the water Wednesday when he saw several 3-4 foot long sharks. RELATED: What to do if a shark attacks at San Diego County beaches / San Diego is hot spot for shark attacks“When the wave was about to crash, I just saw all of them swimming in a group.” Lifeguards posted signs at beach entrances saying, “Advisory: Shark Sighted. Enter at Your Own Risk.” Heidi Dewar, Research Biologist at the Southwest Fisheries Science Center, said sharks under 6 feet long are juveniles. They tend to eat smaller fish and pose no threat to people, Dewar said. Dewar recommends avoiding beaches at dusk and dawn, avoiding river mouths, and monitoring shark warning signs. Farther up the coast, two local surfers spotted multiple sharks near El Portal Beach in San Clemente Friday afternoon, City News Service reported. One of the sharks was about 10 feet long, prompting officials to close the beach at the 204 surf spot.A shark was also spotted off the coast of Coronado Wednesday. 1558