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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 – Denver will got the chance to meet its newest primate resident this week.Cerah, a Sumatran orangutan born at the Denver Zoo last month, will made her public debut on Friday. .Cerah was born on March 25 to mom Nias and dad Berani. Staff at the zoo said Cerah was recently introduced to Berani and her half-sister, Hesty.While Hesty has been affectionate and eager to be around Cerah, Berani has been gentle but reserved and mostly kept his distance, which staff say is normal for male orangutans.Sumatran orangutans are considered critically endangered with an estimated worldwide population of just 14,600. 628

DANBURY, Conn. (AP) — A Connecticut town's officials are showing comedian John Oliver what they think about his expletive-filled rant about their city — they're naming the local sewage treatment plant after him.Mayor Mark Boughton announced the tongue-in-cheek move in a video posted on his Facebook page on Saturday."We are going to rename it the John Oliver Memorial Sewer Plant," Boughton said in the video while standing in front of the sewage plant. "Why? Because it's full of (crap) just like you, John."The new name comes after a recent episode of HBO's "Last Week Tonight with John Oliver," in which he explored the racial disparities in the jury selection process, citing problems in a few Connecticut towns.In the August 16 episode, Oliver named off three things he knew about the time, one of which was a "standing invite to come to get a thrashing from John Oliver."It wasn't exactly clear what prompted Oliver to go off on Danbury.An agent for Oliver did not return a message Sunday. 1004

DALLAS (AP) — A white former Texas police officer was found guilty of murder on Tuesday for fatally shooting an unarmed black teenager last year as the boy left a house party in a car full of teenagers.Roy Oliver was fired from the Balch Springs Police Department days after the April 2017 shooting. Oliver killed 15-year-old Jordan Edwards after the then-officer fired into a moving car carrying five black teenagers leaving a local house party. Edwards was in the front passenger seat.Oliver testified during the Dallas County trial that he opened fire after seeing the car move toward his partner. He says he thought his partner was in danger. But his partner told jurors he didn't fear for his life and never felt the need to fire his weapon.The shooting launched the Dallas suburb of Balch Springs into a national conversation on issues of law enforcement and race. Experts said ahead of the trial that securing convictions against an officer was challenging, in part because criminal culpability in on-duty shootings is subjective and jurors are more inclined to believe police testimony.In closing arguments, defense attorneys told the jury they needed to evaluate the circumstances from Oliver's viewpoint and from what the former officer knew at the time. But prosecutors described Oliver as out of control and looking for a reason to kill. They argued that his firing into the car wasn't reasonable.The shooting came after Oliver and his partner, Tyler Gross, had broken up a large house party following a report of underage drinking. Both officers were inside the residence when they heard gunfire outside and responded. Authorities later determined the shots were fired near a nursing home in the area.Oliver retrieved his rifle and went toward Gross, who was ordering the car carrying Edwards to stop. Oliver testified that he saw the car back up and stop for a second before moving forward and going toward Gross.Testifying in his own defense, Oliver told the jury the car was about to hit his partner. Oliver said he felt he had no other option but to fire.Gross, however, testified that he did not fear for his life and never felt the need to fire his weapon. He also said he didn't feel like the vehicle was trying to hit him.Prosecutors said Oliver fired after the vehicle passed Gross. Investigators also said no guns were found in the teens' vehicle. 2408

DALLAS (AP) — Ten states have brought a lawsuit against Google, accusing the search giant of “anti-competitive conduct” in the online advertising industry including a deal to manipulate sales with rival Facebook. Texas Attorney General Ken Paxton says Google is using its “monopolistic power” to control the pricing on online advertisements, fixing the market in its favor and eliminating its competition. Google is calling the suit “meritless” and says the price of online advertising has fallen over the last decade. According to records released by Paxton's office, Texas is suing along with Arkansas, Idaho, Indiana, Kentucky, Mississippi, Missouri, North Dakota, South Dakota and Utah. 698

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