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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

DANA POINT, Calif. (AP) — The wife of a man who was struck and killed by a Metrolink train in Southern California says investigators told her he pushed her out of the way.The Orange County Register reports Saturday that Jacqueline Gibson, of Lake Elsinore, said she was vacationing with her 71-year-old husband Ernest Gibson Monday when they crossed the tracks to return to their Dana Point campground.She says he suddenly told her to run. She found herself on the other side moments later as the train came through.Once it passed, she found her husband's body.She says investigators told her video from the train showed her husband pushing her out of the way.Metrolink officials say the area was restricted. Gibson says there were no signs indicating to keep out. 772

DEL MAR, Calif. (KGTV) - About 400 horses displaced by the Lilac Fire will move back to their original home at San Luis Rey Downs next week, according to trainers at the Del Mar Racetrack.The horses have been living in Del Mar's stables since the fire tore through the downs on December 7. Nearly 50 horses died in the fire, and several trainers and stable workers were also injured.Del Mar has become their second home in the four months since."I joke that it's like losing your home and being put up in a proper hotel,"' says trainer Ed Freeman.He has 16 horses living at Del Mar and says he's not sure what the emotions will be like returning to the site of one of the worst days of his life."I'm a little worried it will be stressful for the workers," Freeman says. "Our barn isn't there, we'll be in a new spot. But it's still going back to the scene of the crime."Del Mar racing officials had targeted mid-April for the move-out. They need their stables back to begin preparations for this summer's racing season. Nearly 3200 horses will be using the track to train and race over the next few months."It's vital for Del Mar for people to have a place to bring in young horses that are going to be beneficial during our race season," says Racing Secretary David Jerkens.But, he adds, Del Mar was happy to help out."Sometimes it takes a tragedy to see the good in people," says Jerkens.A GoFundMe page run by Del Mar and Santa Anita Racetrack helped raise more than 0,000 to take care of the horses, trainers and workers displaced by the fire. And in the weeks following the fire, hundreds of people volunteered at the stable to take care of the horses. Trainers say they're humbled by the support they got and had nothing but high praise for Del Mar as they get ready to leave."I definitely think they looked out for everyone's best interest," says Adam Kitchingman, with First Home Thoroughbreds. "They didn't want to leave anyone high and dry."   1984

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

DENVER – Federal law enforcement investigators said Tuesday evening that they have been reviewing the facts of the Elijah McClain case for a possible civil rights investigation and said they were aware of the latest photo allegations involving Aurora police officers and were gathering more information. 311

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