Though it is unlikely that women will re-create the 750,000 who marched on Washington with millions more around the world who turned out in 2017 in the largest single day of protest in history, vastly outnumbering those who came out the day before on the National Mall to watch Trump swear to uphold the Constitution and protect the nation against enemies foreign and domestic, it is crucial that people turn out for the women’s marches in Washington, DC (Meet at Freedom Plaza, 1455 Pennsylvania Ave. at 10 am, womensmarch.com), New York City (at Central Park West & 72nd Street, 11 am, womensmarchalliance.org) and many other cities in 2020, taking place on Saturday, January 18.
The disappointing reality after that
first spectacular Women’s March is how little it accomplished. Lawmakers could
care less, based on the policies they enacted, including moving so close to
repealing Obamacare except for Senator McCain’s last-second vote, and tax
policy that discriminated against women’s health, and shifted $1 trillion in
resources from infrastructure and services for everyday Americans to the
richest 1% and corporations. They could care less for the hundreds of
thousands who pleaded for sensible gun laws, or for climate action and
There isn’t even the same buzz as in
the 2018 march in Washington and around the country (200,000 attended in New York City,
alone) , so much more significant because the protest was less about
“converting” lawmakers than mobilizing voter registration, inspiring
women to run for elected office, and driving turnout in the November mid-terms.
And they did in historic numbers, putting Democrats back in control of
the House which put the brakes to the extent possible on the worst impulses of
Trump and the Republicans. “I can do whatever I want as president,” Trump
declared at a Turning Point event with young Republicans. (After the House
Republican majority’s first success in repealing Obamacare in 2017, Trump said,
‘I’m president. Can you believe it?”)
In 2019, tens of thousands
marched in New York City, calling for action on a Woman’s Agenda
that encompasses everything from pay parity, paid parental leave, affordable
child care and pre-K to immigration reform, gun violence prevention, climate
action, criminal justice reform – in other words, the gamut of social,
political, environmental and economic justice. And yes, reproductive freedom.
During 2019, which opened with Trump
declaring a “national emergency” to justify shutting down the federal
government in order to extort billions to build his wall, migrants continued to
be separated and die in custody, thousands were sent to horrific and dangerous
conditions in Mexico; gun violence reached new heights; climate disasters have
exploded around the globe; and reproductive freedom has been further
600,000 women lost birth control
coverage last year because of the Trump Administration’s attacks on your
healthcare; funding for women’s health clinics has been eliminated and
artificial barriers to their operation have forced many to close. The Hyde
Amendment which bans the use of federal funds to pay for abortions, serves as a
de facto ban for a quarter of low-income women.
Even more is at stake in 2020, when
Trump and Trumpism is on the ballot. Over this first term, he has been
increasingly emboldened and unbridled, to the point where he believes he can
unleash a war while schmoozing on the golf course.
So far, the organizers of this
Saturday’s Women’s March on Washington, took out a permit for 10,000.
The women’s movement, inexplicably
and yet probably not, has gotten wound up, bogged down and even subverted with
other issues – racism, anti-Semitism. Leaders are bending over backwards to
show how progressive, how inclusive they are, and moving away from the key
issues that women are fighting for.
Women’s issues wind up being about
all these other issues because all of them affect women’s ability to have equal
opportunity, earn what they deserve in order to provide for their families: war
and peace, climate change, living wage, public education, health care,
affordable pharmaceuticals, clean air and water, voting rights, gun safety,
DACA and immigration reform.
But at the heart of all of them is
women’s reproductive rights, under threat as never before by a radical
right-wingers in Congress and on the courts determined to disregard law and
precedent and overturn Roe v Wade (along with Obamacare) with a Supreme Court
that has been shifted radically right because of the illegitimate appointments
secured by Trump and Senate Majority Mitch McConnell (along with hundreds of
judges throughout the federal court system that are long-lasting bombs to
womens rights and civil rights.
The Roe v Wade decision in 1973
ruled that the Constitution protects a pregnant woman’s liberty to choose to
have an abortion without excessive government restriction – in other words, it
was built upon some extrapolation of privacy and property rights, rather than
Overturning Roe v Wade would mean
that women, unlike men, are not entitled to the same right to
self-determination, to make their own judgments and choices for their health,
their body, their family or their lives. And like all those other cases that
Ginsburg argued as the leading gender rights lawyer for the ACLU before
becoming Supreme Court Justice, it would re-establish the systemic barriers to
women (not men) to fulfill all their aspirations and abilities. It is as
Senator Elizabeth Warren, Democratic candidate for president, said, when women
are forced out of the career track, they never get back to where they were if
they return at all. This I s the result of unaffordable, inaccessible quality
child care and the lack of universal pre-K.
It would essentially make women a subject
of the state, forced to give up professional aspirations to care for a child,
or spend inordinate amounts of money and resources on child care, put women
into poverty because all of these social services are also being tied to work
while doing nothing to make childcare affordable, taking away food stamps and
school lunch. It’s not one thing, it’s many different elements.
As Justice Ginsburg said, “The
decision whether or not to bear a child is central to a woman’s life, to her
well-being and dignity. It is a decision she must make for herself. When the
government controls that decision for her, she is being treated as less than a
fully adult human responsible for her own choices.”
And the Supreme Court decision would
not necessarily mean that the state you live in would determine if you might
have access to abortion, which would set up a different category of unequal
protection – their ruling could make abortion illegal nationwide by
establishing “personhood” rights of a fetus, in which case the fetus would have
more rights than its mother.
Women are marching for affordable
child care, quality public education, affordable and accessible health care
without higher cost for women or for pre-existing conditions (which before
Obamacare rendered women of child-bearing age), or lifetime caps on coverage at
a time when middle class families are spending 20% of income ($12,000/year) on
health insurance, 35 million can’t afford life saving drugs they are
prescribed, 30,000 die prematurely because of lack of access to health care,
and 500,000 go bankrupt because of medical bills.
Women are marching for environmental
justice at a time when the Trump Administration is making it easy for polluters
to destroy the air and water producing creating public health issues such as
asthma affecting a child’s ability to succeed in school, and worker
productivity. It means climate justice at a time when the Trump Administration
is actually prosecuting those who would try to reduce carbon emissions (they
are trying to prosecute the four auto manufacturers who said they would comply
with California’s emissions standards for anti-trust violations), while
families are losing their homes, their workplaces and communities have to spend
fortune to rebuild after climate disasters.
Women are marching for gun safety so
that parents and children don’t have the constant anxiety and school districts
and communities don’t have to spend a fortune on security rather than programs
that benefit people.
This year’s march may be the most
important one, just as the 2020 election is the most important one of our
lifetimes (and yes, 2016, as we now know, was the most important election up
until this one).
The march is an affirmation, brings
like-minded people together, validates our case, and yes, motivates and
provides a platform for people to run for office, as in 2018, and win their
The march is not about “them” it is
That is why it is so very important
to have a strong turnout for this year’s marches, the fourth year in a row,
especially in 2020, the centennial of women winning the right to vote,
especially in this election year when the nation faces an existential threat
from its own government. Women must turn out, and continue the momentum
of 2018 into the 2020 election.
Virginia could be the 38th
state to pass the Equal Rights Amendment, which would make the ERA the 28th
amendment to the Constitution, though the opponents argue that the votes by the
other 37 states have expired, and we’ll have to go through this entire 60-year
process all over again. (Trump’s
The opponents argue there is no
reason for an amendment that certifies the equal rights of all people. But
based on the policies, laws and lawsuits at the federal and state level, an ERA
is more necessary than ever, because as we have seen from the Supreme Court,
precedents like Roe v Wade and one-person, one-vote, or equal protection for
all are fungible.
This is a crucial year for women to
turn out, not allow the momentum of 2018 to be lost, but rev up for the 2020 election.
So whip out those pink pussy hats
and march for women’s rights on Saturday, January 18. March as if your ability
to determine your own future is at stake.
you watch Elizabeth Warren at her rallies, you don’t get the feeling she is
doing this for her own ego, for her own advantage. Her own situation is so far
passed the stress she had as a young person, when her father, a janitor, got
sick and her mother had to go out and support the family on a minimum wage job
at Sears, or when she attended the only community college she could afford, She’s
well passed being a special education public school teacher, and even the
prestigious job of a Harvard law professor and could easily sail through being
a US Senator without the superhuman tension of being the Leader of the Free
World. She would not personally benefit from any of the proposals she is
fighting for, except that they would make the country stronger, healthier,
happier, more prosperous, and restore its moral compass so badly misdirected by
a president who regards the Constitution as having as much force as a
suggestion, who separates families, puts children in cages, launches illegal
assassination, pardons war criminals, and advances economic policies that
exacerbate the inequality between rich and poor.
one young woman said walking into the Kings Theater in Brooklyn where Warren
was going to campaign with Julian Castro for the first time, “You feel hope.
You feel she is speaking to you.”
smarts come through, even as she makes jokes and makes fun of herself (“When
you have to number your husbands, not a good thing.” “Are you sensing a pattern
here?” she says as she relates how her quest to get a college education or hold
a job was interrupted by pregnancy and raising a baby. And you must hear her
story about the toaster to appreciate how she got the idea for the Consumer
Financial Protection Board, which boils down to the idea that government
regulation is needed to protect consumers and like with product safety,
financial security should also have consumer protection, and level the playing
field for enterprises that seek to implement socially responsible,
environmentally sustainable practices.)
Not surprisingly, among the reams of specific plans she has come out with, from universal health care to public education to environmental justice, to immigration reform, Warren, who notes that she spent 45 minutes as a lawyer after getting her degree, but as a Harvard law professor, taught everything to do with finance, has come out with specific plan to re-write the bankruptcy law.
At her rally at the grand historic Kings Theater in Brooklyn, in front of an audience of over 3,000 (another 1500 outside who couldn’t be admitted), Senator Warren went through her biography, her resume, and managed to digest down to three key points the sum-total of a bold progressive remaking of America – attack corruption; structural change in the economy; protect democracy – that comes down to “making government work for everyone,” and, as Julian Castro said, putting the American Dream back within reach of ordinary people.
Castro, the former HUD Secretary under Obama who had just abandoned his own
presidential bid and immediately endorsed Warren, made this plain, describing
her as someone who has overcome adversity, understands what ordinary people
need and more significantly, understands the structural forces that contribute
to inequality and the undoing of democracy:
a fighter because she has also struggled and lived that American dream.
Elizabeth Warren grew up the daughter of a janitor. She grew up to become a
public school teacher. And a law professor. And a United States Senator. And
a champion for consumers everywhere in this country.
knows what sacrifice is like after her father had a heart attack, her mom had
to take a minimum wage job at Sears to make ends meet. She understands because
she’s listened to people for many years, throughout this country. She’s heard
their calls for change. She’s heard about their dreams and their aspirations
for themselves and for their families and communities and for our country.
She’s a fighter because she knows that too often times today the deck is
stacked against people who just want a shot at reaching their dreams. She knows
that too often today in Washington, the power goes to special interests who can
afford big lobbyists and lawyers to write in special provisions and
legislation. She knows that we need to get big money out of politics.
“She knows that we need to give the people the powerful — the power and not the powerful the biggest voice. And let me tell you something, I don’t have to guess what kind of President she’s going to be, because I’ve seen firsthand what kind of the senator she is…
was there to know what we were gonna do to invest in communities that were
hurting. She is a fighter for people who need a voice.
“She’s a fighter for everyday Americans that simply want a shot. So I know that that’s the kind of president that she’s gonna be.”
In the video Castro made announcing his endorsement of Warren,
he said, In the video
announcing his endorsement, Secretary Castro said: “There’s one candidate I see
who’s unafraid to fight like hell to make sure America’s promise will be there
for everyone. Who will make sure that no matter where you live in America or
where your family came from in the world, you have a path to opportunity too.
That’s why I’m proud to endorse Elizabeth Warren for president.”
Warren came to the stage, embraced
Castro, and immediately opened with her concern about Trump orchestrating a war
in Iran, and reaching out to the “brothers and sisters in Puerto Rico who need
help” after devastating series of earthquakes, and should get the federal help
the island was denied after Hurricane Maria.
She renewed her charge that
government works great for Big Pharma but not for people needing to fill
prescriptions; for giant oil companies, but not for the rest of us who realize
the existential risk that climate change poses. (Just this week, the Trump
Administration is seeking to eliminate environmental restrictions on building
pipelines or drilling).
“If there is a decision to be made,
it’s made by Big Money,” she declared. “The middle class is being hollowed out.”
“To fix this, we can’t just nibble
at the edges. We need big structural change. And I have a plan for that.”
Indeed, she has already released a
score of detailed plans, including how she would battle corruption in
government. “I have the biggest anti-corruption plan since Watergate; I will
end lobbying as we know it. Make the Supreme Court play by the basic rules of
ethics. Make everyone who runs for federal office put their tax returns on
line. Attack the corruption head on. Disrupt the inflow of money into politics.
It is time for a president to enforce the anti-trust laws.”
She also is advocating for “an
ultra-millionaire” wealth tax, prompting chants of “Two Cents. Two Cents” – the
amount of tax she would impose after the first $50 million of net worth (6% on
amounts over $1 billion) – that is the top one tenth of one percent of the
country who would fall into this category. That money, she insists, would pay
for scores of programs needed to restore equal opportunity, from universal
child care, to universal pre-K, to erasing student debt (big cheers).
So the first part of her vision is
to attack corruption that disrupts the stranglehold on government that money in
politics plays, so we can fight back against score of big issues that have
languished: climate change, gun safety
The second element is structural change in the economy – and on this, she has proposed a score of changes including tax reform, a living wage, changing the rules for mortgages and rentals and bankruptcy, investing in a Green New Deal and affordable housing.
The third element is protecting
“I will seek a Constitutional
amendment to protect the right to vote and to get every vote counted; a law
banning political gerrymandering (applause); to roll back every racist voter
suppression law (big cheers), to overturn Citizen United (cheers of “Warren,
And that’s what brought her to
“I think about toasters,” she turns
and with a sly smile, says, “You are surprised?”
“When I was a young mother,
toasters could burn down houses – they didn’t turn off. Ask me how I know,”
(she again has that sly smile). Then along comes the Consumer Product Safety
Board. Manufacturers were forced to put in safety switches.
“In the early 2000s, mortgages were so complex, dangerous that there was a one in five chance of a family losing their home through foreclosure. The federal government was not on the side of the people’s, but was deep in the pocket of banks, preying on the young, farmers, seniors, They crashed the economy.
“So I had the idea for an agency
like the toaster agency, so that you can’t cheat people.
“People said, ‘You can’t make a
difference. Don’t even try. You can’t get it done.
“Big structural change is hard, but
the right thing to do,” she said applying the lesson of having created the
Consumer Financial Protection Board (chants of “CFPB”, “CFPB”) to take on Wall
Street, which Obama signed into being in 2010. Since then, she said, more than
$12 billion in ill-gotten gains from financial companies has been returned to
“We can make government work for
people,” she said.
But, she said with an air of
warning to those who would back a moderate candidate believing a moderate would
have the best chance at defeating Trump in 2020, “We need big ideas to inspire
people, to vote, to bring their friends out to vote, to tell the world who and
what Democrats will fight for. To take back the Senate and put Mitch McConnell
out of a job,” she declared, bringing the audience of 3000 to its feet with its
“We need big ideas and be willing
to fight. But if we give up big ideas, if we only offer business as usual,
Democrats will lose.
“I’m not running to appease big donors – I passed that stop sign a long time ago. This campaign is from the heart. 2020 is our moment. We will fight for a Green New Deal, Medicare for All, and a 2 cent wealth tax.”
Before coming to Brooklyn, Warren had held 199 town halls across the country and traveled to 29 states and Puerto Rico. She had taken over 100,000 selfies since the beginning of the campaign (20,000 of them in Washington Square Park, posing until midnight). She took her 100,000th selfie in Manchester, Iowa the Saturday before coming to Brooklyn. She had visited the boroughs of New York City and Queens and now Brooklyn. By the end of the Brooklyn event, with enthusiastic supporters lined up throughout the Kings Theater and down the street, Warren would have added some 3,000 more selfies to her total.
Outside the theater, a score of volunteers on every street corner were collecting signatures to meet the required 40,000 by January 21 deadline to be on New York’s ballot. The New York primary is April 28.
Just before taking the stage at Kings Theater in Brooklyn, NY, with Julian Castro, in her campaign for president, Senator Elizabeth Warren detailed how her administration will fix the bankruptcy system to protect working families and give people a second chance. It is part of her plan to restructure the systemic impediments to financial and economic opportunity for ordinary Americans.The plan to reform bankruptcy laws is a particular jab at Vice President Joe Biden, who as Senator representing the State of Delaware, helped push the George W Bush re-write of the bankruptcy laws that shielded financial institutions but put consumers on the hook. This is from the Warren campaign:
As one of the nation’s leading experts on the financial pressures facing middle class families, Elizabeth conducted groundbreaking research on why families go broke. Elizabeth spent ten years battling the banking industry over the bad 2005 bankruptcy bill — which spent $100 million on lobbying efforts. The bill became law with overwhelming support from Republicans and support from some Democrats in Congress.
I spent most of my career
studying one simple question: why do American families go broke?
When I started my career as a young law
professor, I thought — like a lot of people at the time — that most families
went broke because they were irresponsible or wasteful. They lived beyond their
means. And when their irresponsibility finally caught up with them, they took
advantage of our bankruptcy system to get out from under their debts.But when I
started to teach bankruptcy, I found that no one — not even the supposed
“experts” — had actually dug into the data to figure out what drove families
So I found two incredible partners and set out
to gather the data about why families go broke. That was back when you had to
collect information by hand, and courts charged a lot to make copies for you.
To save money, I flew around to courthouses all over the country with my own
photocopier — nicknamed R2D2 — strapped into the airplane seat next to me,
copying thousands of bankruptcy filings to begin understanding why American
families turned to bankruptcy.
I’ll never forget sitting in a wood-paneled
courtroom in San Antonio on one of my first trips, watching the families filing
for bankruptcy move in and out of the courtroom to appear in front of the
judge. They looked just like the family I grew up in — hanging on to the
ragged edge of the middle class. Now they were standing in front of a judge,
ready to give up nearly everything they owned just to get some relief from the
bill collectors.Our research ended up showing that most of these families
weren’t reckless or irresponsible — they were just getting squeezed by an
economy that forced them to take on more debt and more risk to cling to their
place in America’s middle class.
And that meant one bad break could send them
tumbling over the edge. The data showed that nearly 90% of these families were
declaring bankruptcy for one of three reasons: a job loss, a medical problem,
or a family breakup.
In the early 1990s, Congress launched a
blue-ribbon commission to review the bankruptcy laws and suggest improvements.
I was asked to help. Initially, I said no. Then I thought about the stories I
had come across in our research. I thought about the family that finally got a
shot at their lifelong dream to launch a new restaurant — and it went
belly-up. The young and very tired woman who described how she finally managed
to leave her abusive ex-husband, but now was alone with her small children and
a pile of bills. The elderly couple who had cashed out everything they owned
and then went into debt to bail out their son who was fighting addiction and
put him through rehab again and again. And then I called back and said yes.
That’s what started my ten-year fight against
the banking industry’s effort to change our bankruptcy laws to squeeze
everything they could out of working families. Just as the commission’s report
was due, the banking industry wrote its own version of a bankruptcy bill and
got its allies in Congress to introduce it. In the industry’s version of the
world, Congress could support either “honest people who pay their bills” or
“people who skip out on their debts.” There wasn’t any room to talk about
rising health care costs or lost jobs that pushed working families to the
brink. I knew that those hundreds of changes in the industry-backed bill would
make it harder for struggling families to get relief.
And I knew I needed help. I was lucky to pick up
some terrific allies in the Senate. Senator Ted Kennedy, who led the fight for
years. Senators Paul Wellstone, Russ Feingold, and Dick Durbin all
enthusiastically jumped in. For the next three years, we fought off the
industry as best we could. Ultimately, however, the Senate and House passed the
industry-backed bill by wide margins. But President Clinton, in the last days
of his presidency, upended the industry plan and vetoed its bill.
The financial industry lost that round — but it
didn’t quit. Eventually, it rallied its allies in Congress again and managed to
push through another version of its bill in 2005 with overwhelming Republican
support and some Democratic support.
I lost that fight in 2005, and working families
paid the price. But I didn’t stop fighting to hold the financial industry
accountable and to help American families. I started laying the groundwork for
new protections for credit card users and in 2007 proposed the idea of a new
federal agency to protect
American families from tricks in mortgages, student loans, and other financial
products. The rules helping credit card users ended up in the Credit CARD Act,
which President Obama signed into law in 2009. And in 2010, President Obama
signed that new consumer agency — the Consumer Financial Protection Bureau —
into law too. That agency has now returned
$12 billion to people who were cheated by
big banks and other financial firms.
But there are still serious problems with our bankruptcy
laws today, thanks in large part to that bad 2005 bill. That’s why I’m
announcing my plan to repeal the harmful provisions in the 2005 bankruptcy bill
and overhaul consumer bankruptcy rules in this country to give Americans a
better chance of getting back on their feet.
Making it Easier to Obtain Relief Through Bankruptcy
Thanks in part to the 2005 bankruptcy bill, our current
system makes it far too hard for people in need to start the bankruptcy process
so they can get back on their feet. My plan streamlines the process, reduces
costs, and gives people more flexibility in bankruptcy to find solutions that
match their financial problems.
Streamlining the bankruptcy filing process. Currently, there
are two main types of bankruptcy proceedings for individuals — the traditional
Chapter 7 proceeding and the longer and less generous Chapter 13 proceeding. In
Chapter 7, bankruptcy filers pay off their debts by surrendering all of their
property other than that protected by
“exemption” laws, but keep their future income. In Chapter 13,
filers keep their property, but undertake a multi-year repayment plan.
The core of the 2005 bankruptcy bill was an onerous and
complicated means test that forces many people with income above their state’s
median income to file for Chapter 13 and make payments from their wages for an
extended period. That is a big additional burden. In Chapter 13, debtors remain
in bankruptcy longer and must pay more to creditors. Many are unable to
complete their repayment plans and do not obtain a discharge of
their unpaid debts at all.
My plan does away with means testing and the two chapters
for consumer debtors. Instead, it offers a single system available to all
consumers. Here’s how it would work.
When people file for bankruptcy, they would disclose all of
their debts, assets, and income, just as they do now. And just as under the
current system, creditors must stop all collection actions against the debtor
outside of bankruptcy court.
Filers would then choose from a menu of options for
addressing their debts. The menu of options available would include a Chapter
7-type option of surrendering all non-exempt property in exchange for having
their unpaid debts “discharged,” as well as options that allow people to deal
with specific financial problems without involving all of their obligations.
For example, someone might use bankruptcy to cure a home mortgage delinquency
while continuing to pay other debts outside of bankruptcy. Or if someone has
long-term debt she needs to restructure, non-exempt property such as a car that
she needs to get to work, a family home she wants to protect, or if the debtor
simply wants to try to pay her creditors, the debtor can also choose to file a
payment plan and request that the court limit the stay of collection actions to
the extent necessary to execute that plan.
As with the current system, certain types of debts would be
non-dischargeable. Additionally, creditors could seek to dismiss a case or
object to an individual’s discharge on grounds of abuse, and they would have an
easier time proving abuse for higher-income debtors. These provisions would
protect against misuse of the bankruptcy system.
My plan would make the bankruptcy system simple, cheap,
fast, and flexible. It would eliminate the burdensome paperwork that drives up
costs for filers and deters them from seeking bankruptcy protection in the
first place. The 2005 bill imposed the same onerous paperwork requirements on a
middle-class American filing bankruptcy that it did on a wealthy real-estate
developer. Both must file the same documentation — including months of pay
stubs and old tax returns — much of which is useless to creditors looking to
get debts repaid.
These requirements are costly and ineffective. The
nonpartisan Government Accountability
Office estimates that these requirements increased what a
Chapter 7 filer had to pay for a lawyer by over 50%. My plan scraps this
unnecessary paperwork and simply requires that bankruptcy filers disclose their
assets, liabilities, income, and expenses. If necessary, the court can always
direct people to provide more information.
Congress also added to the cost of bankruptcy relief in the
2005 bill by putting onerous requirements on consumer bankruptcy attorneys.
Congress required attorneys to certify the accuracy of debtor’s financial
disclosures, to certify the debtor’s ability to make certain payments, to
advertise their services in certain ways, and to provide certain financial
advice to clients. These rules, opposed by the American Bar Association,
increase costs to lawyers that get passed on to consumers, while failing to
adequately protect consumers against unscrupulous lawyers. My plan gets rid of
these requirements and authorizes local bankruptcy courts to develop
disciplinary panels to strengthen enforcement of the existing rules that
discipline ineffective or dishonest lawyers.
Reducing the costs of filing for bankruptcy. A Chapter 7
bankruptcy case today costs the person filing for bankruptcy $1,200 in attorneys’ fees on
average. Academic studies document how
families and individuals, ironically, have to save up for bankruptcy.
Bankruptcy filings spike every spring as tax refunds go to pay a bankruptcy
lawyer, and on days when people often receive paychecks.
Worse, many bankruptcy filers are
shuffled into a more onerous Chapter 13 bankruptcy because it
is the only way they can afford to pay their bankruptcy lawyer. These people
often do not need the more complicated and more expensive Chapter 13 procedure,
which at $3,200 on average costs
more than twice a Chapter 7 filing. Chapter 7, however, requires the filer to
have the cash to pay the lawyer up front, and most people filing bankruptcy are
by definition short on cash, while Chapter 13 allows the person filing to pay
the lawyer over time. Forcing people into Chapter 13 because they cannot afford
to pay their lawyer up front is a ridiculous way to run a consumer debt relief
My plan makes it easier for people to pay for the bankruptcy
relief they need. It automatically waives filing fees for anyone below the
federal poverty level and slowly phases in the fees above that line. And it
allows the bankruptcy filer to pay off reasonable lawyers’ fees at any time
during or after the bankruptcy, not just up front.
These proposals will make it cheaper and quicker for people
to obtain debt relief. And speed is important. Research has shown that the “sweatbox” period when
consumers wrestle with the decision to file for bankruptcy is particularly
damaging to families and their financial health. The 2005 law benefited credit card
companies by extending the sweatbox period. Bankruptcy is not the
right solution for every family facing financial difficulties, but for those
who need bankruptcy relief, it should be available without unnecessary
obstacles or costs. My plan will shrink the sweatbox and make sure that
consumers who need bankruptcy are able to promptly obtain help.
Expanding People’s Rights to Take Care of Themselves and
Their Families During the Bankruptcy Process
Bankruptcy law places certain spending limitations on people
while they are in the bankruptcy process. My plan pares back some of the
limitations that place a particular burden on people — particularly parents
with children — and limit their ability to recover after the bankruptcy
For example, during the debate on the 2005 bankruptcy bill,
Democrats proposed modifying the bill so that renters in bankruptcy could
continue paying their rent if it allowed them to avoid eviction. While that
change was voted down in Congress, my plan adopts it as a fair way to let
people avoid the incredible disruption of an eviction during the bankruptcy
Similarly, my plan allows people in the bankruptcy process
who select a repayment plan option to set aside more money to cover the basics
for themselves and their children. In 2005, Congress rejected an
amendment to the bankruptcy bill that would have allowed
parents to spend a reasonable amount of money on toys and books and basic
recreation activities for their kids during the bankruptcy process. That’s just
wrong — and my plan will provide those protections.
In that same vote, Congress rejected a change that
would have allowed union members to continue paying their union dues during the
bankruptcy process — a critical protection so that people can maintain their
employment and get back on their feet after the bankruptcy process is over. My
plan adopts that protection too for those people who choose a repayment
Ending the Prohibition on Discharging Student Loan Debt
We have a student loan debt crisis in America. And one
reason is that our bankruptcy system makes it nearly impossible to get rid of
that debt, even when you have nothing left.
Over the past forty years, Congress and the courts have made
it progressively more difficult to gain relief from student loan debt in
bankruptcy. Congress initially passed a law saying
that publicly backed student loans could be discharged only with a showing of
“undue hardship” by the borrower. The courts eventually interpreted
that language to impose a very high standard for discharge — a
standard that generally doesn’t apply to other forms of consumer debt. Then, as
part of the 2005 bankruptcy bill, Congress explicitly protected
private student loans with the same undue hardship standard.
As President, I’ll attack the student debt crisis head on.
My student loan debt
cancellation plan cancels up to $50,000 in debt for 95% of
people who have it, relieving a massive burden on families and boosting our economy.
But for people who may still have debt, my bankruptcy reform plan ends the
absurd special treatment of student loans in bankruptcy and makes them
dischargeable just like other consumer debts.
Letting People Protect Their Homes and Cars in Bankruptcy
My plan also makes it easier for people to protect their
homes and cars in bankruptcy so they can start from a better foundation as they
try to rebuild their financial lives.
My plans also permits people to modify their mortgages in
bankruptcy — something that is generally prohibited by law. The restriction on
mortgage modifications in bankruptcy — even though other types of debts can be
renegotiated in bankruptcy — can hurt both bankruptcy filers and mortgage
lenders. Studies have found that the existing restriction on
modifications has not led to a lasting reduction in mortgage
rates. My plan ends this harmful limitation.
My plan further encourages win-win mortgage modifications
by creating a streamlined, standardized mortgage modification option in
The 2008 financial crisis resulted in an unprecedented wave
of mortgage foreclosures, with nearly 8 million foreclosures completed
in the decade starting in 2007. While not all of these foreclosures could have
been prevented, there were many foreclosures that made no sense. In these
cases, the lender and borrower should have been able to agree to a win-win
modification. Yet these common sense deals weren’t happening.
Bankruptcy does not currently provide a solution for this
problem. My plan does. As part of the menu of options available to a bankruptcy
filer, it offers a special streamlined pre-packaged mortgage bankruptcy
procedure that will allow struggling homeowners to get a statutorily defined
mortgage modification. Under this procedure, if a foreclosure has started, and
the homeowner certifies that she has attempted to negotiate a modification in
good faith, she could seek an automatic modification of the mortgage debt to
the market value of the property, with interest rates reduced to achieve a
sustainable debt-to-income ratio.
The homeowner benefits by receiving a sustainable mortgage.
The lender benefits from a modification that produces significantly better
recovery than foreclosure. The neighborhood also benefits by avoiding a nearby
foreclosure. This commonsense proposal should not only be win-win, but the
possibility of a mortgage modification in bankruptcy should encourage more
negotiated modifications outside of bankruptcy.
Finally, my plan will help address so-called “zombie”
mortgages. Mortgage lenders sometimes start, but do not complete, foreclosures
to avoid assuming liability for property taxes and code violations on the
mortgaged property. When the homeowner has vacated the property, the result is
a “zombie” title situation, in which the homeowner remains liable for taxes and
code violations but does not have use of the property. My plan uses bankruptcy
law to “slay” these zombie mortgages by enabling a homeowner who is no longer
in residence to force the lender to complete the foreclosure or otherwise take
title to the property and pay its ongoing costs. This will enable families to
move on with their lives and get a fresh start without the overhang of
liability for a former property they no longer live in. It will also help
communities by reducing the number of abandoned and derelict properties.
My plan goes beyond protecting homes to offering more fair
protection for people’s cars too. For over one-third of bankruptcy
filers, cars represent their most important asset. For these
struggling Americans, the family car is the principal resource that
bankruptcy’s safety net is protecting. And access to a car is often a
requirement for commuting to a job, getting children to child
care, and starting to rebuild finances.
As part of the 2005 bankruptcy bill, Congress made it more
difficult for Chapter 13 bankruptcy filers to keep their cars.
Under prior law, a debtor could keep their car by paying the lender the fair
market value of the car over a reasonable time. But the 2005 bill changed the
law so that families who want to keep their cars often repay more than the fair
market value of the car; they must pay the full amount of their original car
loan, regardless of the true worth of the vehicle.
Families should not have to pay more than the car is
actually worth to keep it. That’s why my plan repeals the 2005 bankruptcy bill
requirement, makes it easier for bankruptcy filers to keep their cars, and
ensures that their fresh start includes the ability to get to work, to school,
and to the doctor.
Addressing Racial and Gender Disparities in the
Bankruptcy doesn’t affect all
people equally — it mirrors the systemic inequalities in our economy. Women and people of color are more likely to file for bankruptcy, which is
in part a reflection of wealth and income disparities. The situation is especially dire
for middle-class families: my
research found that Black middle class families are three times more likely to
file for bankruptcy, and Latinx families are twice as likely, than white
families. The persistent wealth gap in America means that families of color
have far less wealth than white families on average — and at the same time, families of color are far
more likely to be abused by
predatory lending practices. The outcomes in our current bankruptcy system
aren’t equal, either. Black Americans appear to be much more likely to file for
bankruptcy under Chapter 13, a
costlier and more burdensome form of bankruptcy that requires people to make
several years of payments before getting their debts wiped out — and leaves many in an even worse
position as they struggle to
make these payments. The data suggests Black filers are more likely to have
their cases dismissed, too: people who live in majority Black zip codes are more than
twice as likely to have their cases thrown out as those living in majority white areas.I raised
the alarm on the disparate effects of bankruptcy during the years-long debate
over bankruptcy reform. I called out racial disparities in the economic security of middle-class
families filing for bankruptcy. I published articles showing that bankruptcy reform is a
women’s issue, and that women — in
fact, more women than would graduate from four-year colleges or file for
divorce — would be most affected by the changes Congress was considering.The
changes I’ve outlined above — like the new single entry point system that
eliminates the steering of Black bankruptcy filers into Chapter 13, the new
homestead exemption, and the elimination of the means test — will help address
some of these shameful racial and gender inequities in the bankruptcy system.
But my plan takes additional steps as well: Local
fines. Under current law, people who file for bankruptcy are generally not able
to discharge local government fines. Although some of these fines may have an
important governmental function, many operate as a regressive form of revenue
targeting lower-income Black communities in particular for truly minor offenses. My plan eliminates the
special privilege for local fines, with an exception for fines related to
death, personal bodily injury, or other egregious behavior that threatened
public safety.Civil Rights Debts. While current law prevents people from
discharging local fines, it permits discharging debts resulting from civil rights violations. That is unacceptable, especially as police brutality
and the shooting of unarmed Black children and adults in particular remain
serious problems in our country. My plan changes the law so it’s clear that
individuals cannot get relief from debts arising from the commission of civil
rights violations such as police brutality.Improved data collection and audits.
When individuals file bankruptcy petitions, they are obliged to make a long
list of disclosures — but not their race, gender, or age. Although extensive data collection efforts by
academics helped bring to light the differential experiences of filers of color, women, and older Americans, we can continue to improve upon our bankruptcy
system if we collect this information systematically. That’s why my plan
invites bankruptcy filers to provide their racial identification, gender, and
age if they choose to.
A simpler single portal into the personal bankruptcy system
and replacing many line-item categories with a lump-sum personal property
exemption, separate from the homestead exemption, will help align those values.
The lump-sum personal property exemption would be provided by household,
adjusted by the number of dependents, rather than by number of bankruptcy
filers in the household, to prevent under-protecting a single parent with
In addition, my plan adds extra protections for alimony,
child support income, the child tax credit, and the Earned Income Tax Credit
(EITC), ensuring that people (especially single mothers) will be able to
provide for their families and get back on the path to financial security.
These sources of income and assets traceable to them would be exempt
Closing Loopholes that Benefit the Wealthy and Cracking
Down on Big Corporations
While the current bankruptcy system imposes all sorts of
obstacles for working families, it includes loopholes that benefit wealthy
individuals filing for bankruptcy and failed to hold big companies accountable
when they break the law. My plan closes these loopholes and imposes more
accountability so that our system is more fair.
Loopholes benefiting wealthy individuals. In certain states
like Delaware, wealthy individuals can file for bankruptcy and get debt relief
while shielding their assets by placing them in trusts for their own benefit.
This is known as the “Millionaire’s Loophole.”
As part of the 2005 bankruptcy legislation, Congress pretended to close the
Millionaire’s Loophole, while rejecting legislation that actually
would have shut it down. My plan stitches up the Millionaire’s Loophole once
and for all by ensuring that assets in self-settled trusts and revocable trusts
are not exempt from creditors’ claims in bankruptcy. My plan also closes off
the related “spendthrift clause”
loophole that allows the beneficiaries of “dynasty trusts” to
avoid paying their creditors (while maintaining such protection for bona fide
qualified disability trusts).
I am also committed to giving bankruptcy courts more tools
to address fraud. For example, under current law,
a bankruptcy filer who lied and submitted fraudulent documents regarding one of
his assets is entitled to an exemption even when it was shown that he lied. My
plan closes this enormous loophole so that courts can deny an exemption in an
asset that the filer has concealed or lied about.
My plan also strengthens the so-called “fraudulent transfer”
law. Fraudulent transfer law allows creditors to claw back certain transfers
the bankruptcy filer made with the intent to hinder, delay, or defraud
creditors. For example, fraudulent transfer law would apply to a deadbeat
ex-spouse who has transferred money into a trust to avoid paying alimony. The
federal statute of limitations for actual fraudulent transfers is shorter than
that of some states, so my plan extends the federal statute of limitations to
match the longest state statute of limitations. Additionally, to discourage
third parties from receiving these fraudulent transfers, my plan updates
federal criminal law to add penalties for knowingly engaging in, aiding and
abetting, or receiving an actual fraudulent transfer.
Accountability for creditors. My plan also cracks down on
big companies that break the law or otherwise unfairly squeeze families in the
bankruptcy process. For example, some companies will use the bankruptcy process
to collect debts even as they have a track record of violating consumer
financial protection laws. By disallowing debts of creditors that harm debtors
by violating consumer financial laws, my plan strengthens the deterrent effect
of our consumer protection laws and helps ensure better compliance of creditors
and their agents, such as mortgage servicers and debt collectors.
My plan also stops companies from collecting on debts that
are no longer valid. In bankruptcy, many debt collectors attempt to
collect on expired debts, whose statute of limitations has run, by
filing claims to be paid and hoping that no one will notice that they no longer
have the right to collect the debt. This practice is harmful to everyone
involved, including other creditors with legally enforceable claims. The Supreme Court wrongly
ruled that seeking to get paid on expired debts does not
violate the Fair Debt Collection Practices Act, so it’s up to Congress to fix
the law now. That’s what my plan does, by making clear that collection of an
expired debt is a violation of the law.
And my plan allows individuals to file to sue to deter
creditors from seeking to collect on debts that were already discharged in an
earlier bankruptcy. Too often, creditors, particularly companies that buy debts for
pennies on the dollar, attempt to collect debts that have been discharged in an
earlier bankruptcy. For decades this has been illegal, but the practice has
persisted because the courts have limited remedies available to address this
misconduct. As recommended by the American
Bankruptcy Institute’s Commission on Consumer Bankruptcy, my plan
gives bankruptcy filers the right to file a lawsuit and have the court order
compensation for the harms caused by creditors who violate this law. My plan
also gives courts the power to impose effective sanctions when they catch this
abuse on their own.
Finally, consumer loans often contain provisions requiring
the borrower to resolve any disputes outside of court, through arbitration. My
plan ensures that creditors cannot continue their efforts to go after consumers
during the bankruptcy process through mandatory arbitration as part of my larger fight against
unfair forced arbitration clauses. Disputes between bankruptcy filers and
creditors should be resolved openly and transparently as part of the bankruptcy
process in court, not in forced arbitration proceedings behind closed doors.
While most Americans give little consideration to foreign policy credentials of their candidates for president, over the “kitchen table” issues such as health care, education, taxes, foreign policy should loom largely over the 2020 election as Americans are waking up to the fact that while a president is for the most part constrained by the legislative branch (Congress) on what can be accomplished domestically (recall how Republicans obstructed Obama on health care, immigration reform, gun safety, climate action and infrastructure and why Medicare for All, a wealth tax may still be a pipe dream), a president is virtually unrestrained in making foreign policy at a time when the world is smaller and more globally interdependent, such as addressing climate change.
And while the Constitution theoretically gives Congress the power to declare war, presidents have found loopholes in addressing “imminent threats.” Trump has gone so much further in pulling out of treaties (the Iran nuclear deal), trade agreements and mutual assistance pacts like the Paris Climate Accord, while taking actions to weaken NATO alliance. The way he has dealt with North Korea has only made the world less safe and the list goes on: Iraq, Syria and ISIS, Turkey and the Kurds, Yemen, Venezuela, Australia.
Of the Democratic candidates for president, Vice President Joe Biden is hoping that voters will appreciate his vast experience (which Bernie Sanders and Pete Buttigieg try to diminish because of his vote, along with just about every other Senator, to give George Bush power to address what they were told (lied) was an imminent threat of Saddam Hussein’s use of Weapons of Mass Destruction).
Now there are a few Democrats, like Senator Kirsten Gillibrand, who are introducing legislation to rescind the 2002 AUMF and require the President to get Congress’ authorization for use of military force, make it specific and require reauthorization after a period of time. But that is already in the Constitution and they are faced with a president who has demonstrated over and over he does not respect the bounds or oversight on him by the Constitution, with Congress apparently unwilling to do anything about it.
Vice President returned to New York to speak again on foreign policy and the unfolding situation in Iran, drawing a contrast to how Trump has mishandled the situation. These are his prepared remarks:
Six months ago, here in New York City, I made the case that Donald Trump was “dangerously incompetent and incapable … of world leadership.”
In the past few days, in the wake of the killing of Iranian General Soleimani, Donald Trump has proven it beyond dispute.
The haphazard decision-making process that led up to it, the failure to consult our allies or Congress, and the reckless disregard for the consequences that would surely follow — was dangerously incompetent.
In the wake of such an enormous escalation that has exploded geo-politics in the region and put the United States and Iran on a collision course, what would we expect of an American President – and what have we heard from President Trump?
We have not heard a sober-minded explanation to reassure the American people about his decision and its consequences.
Not level-headed words meant to dial down tensions and take us off the path of conflict.
No press conference or consultation with Congress.
No — all we have heard from this president is tweets. Threats. Tantrums.
And all we have heard from his administration are shifting explanations, evasive answers, and repeated assertions of an imminent threat, without the necessary evidence to support that conclusion.
And since this is a president with a history of lying about everything — who has destroyed his own credibility, and that of the United States on the global stage — neither the American people, nor our allies, are inclined to take his word for it.
If there was an imminent threat that required extraordinary action, then we are owed that explanation — and the facts to back it up.
These are matters of deadly import, so let me be unmistakably clear: Donald Trump does not have the authority to go to war with Iran without Congressional authorization.
Working with Congress is not an optional part of the job. Presidential notification to Congress about the need to exercise war powers cannot be satisfied in 280 characters or less.
And no president should ever take the United States to war without securing the informed consent of the American people.
So — because he refuses to level with the American people about the danger in which he has placed American troops and our diplomatic personnel and civilians, as well as our partners and allies, or to demonstrate even a modicum of presidential gravitas — I will.
That starts with an honest accounting of how we got here.
Make no mistake: this outcome of strategic setbacks, heightened threats, chants of “death to America” once more echoing across the Middle East, Iran and its allies vowing revenge. This was avoidable.
The seeds of these dangers were planted by Donald Trump himself on May 8, 2018 — the day he tore up the Iran nuclear deal, against the advice of his own top national security advisors. The day he turned his back on our closest European allies, and decided it was more important to him to destroy any progress made by the Obama-Biden Administration than build on it to create a better, safer world.
When we had the Iran Deal, we had verifiably cut off every one of Iran’s pathways to a nuclear weapon. International inspectors repeatedly confirmed Iran’s compliance, as did our intelligence agencies. One of the greatest threats to stability in the region and global security was off the table.
And when the Iran Deal was in force, we did not have this dangerous cycle of tit-for-tat provocation and response.
There was a united front of allies and partners to address Iran’s other destabilizing actions throughout the region.
The Iran Deal was not only accomplishing the critical mission it was designed for, it created an environment where diplomacy was possible.
But Trump walked away — not Iran.
Trump made the United States the international outlier.
Trump re-imposed significant sanctions designed to exert “maximum pressure” on the regime, with claims that it would deter Iranian aggression and return Iran to the negotiating table to secure a much-promised “better deal.” And on both fronts, as many anticipated at the time, Trump’s promises were empty, baseless, and naïve.
And since then, all that has materialized is an utterly predictable cycle of escalating conflict with Iran.
Of course Iran would seek to demonstrate that the pressure we were exerting was not cost free – that it could take actions to make life more difficult for us, as well.
So Iran began again to enrich uranium beyond the limits allowed under the Iran deal. Iran attacked oil tankers in the Strait of Hormuz. Iran shot down an unmanned U.S. surveillance drone.
Yet the administration had no plan to prevent, mitigate, or appropriately respond to these provocations. Instead, Trump acted erratically and impulsively. He ordered a retaliatory strike, then called it off at the last minute — feeding Iran’s sense of impunity.
Then, the administration imposed more sanctions, shot down an Iranian drone, issued a warrant to seize an Iranian oil tanker.
Before long, Iran attacked Saudi oil facilities and Iranian-backed militia in Iraq restarted rocket attacks against our bases. Until one of those attacks, against our base in Kirkuk, killed a U.S. citizen and wounded others. It was a tragic loss of life, and an act condemned by all Americans.
In response, Trump bombed five sites in Iraq and Syria tied to the militia group, killing at least 25.
Iraqi protestors, organized by Iranian-backed militia, assaulted our Embassy in Baghdad and breached the outer wall. No injuries were reported, but Trump was embarrassed by the images of a burnt-out reception area.
He ordered a drone strike to kill Soleimani — perhaps the second most important official in Iran — near the Baghdad airport. And rushed thousands more troops to the region to deal with the fallout.
Action and reaction. Provocation and response. All predictable — and, indeed, all predicted.
A president who says he wants to end endless war in the Middle East is bringing us dangerously close to starting a new one.
A president who says he wants out of the region sends more than 18,000 additional troops to deal with a crisis of his own making.
And an administration that claims its actions have made Americans safer in the same breath urges our citizens to leave Iraq and puts Americans throughout the region on notice because of the increased danger.
I have no illusions about Iran. The regime has long sponsored terrorism and threatened our interests. It continues to detain American citizens. They’ve ruthlessly killed hundreds of protesters, and they should be held accountable for their actions.
But there is a smart way to counter them — and a self-defeating way. Trump’s approach is demonstrably the latter.
Soleimani was responsible for the deaths of hundreds of American troops and thousands of innocent lives throughout the region. He was the mastermind, but he was not the whole of the regime or its capacity to strike back.
So the question is: was the reward of removing a bad actor worth the risk of what comes next?
We don’t have any evidence to suggest that Trump or anyone around him thought seriously about that calculus. It’s been reported that the Pentagon — which has long warned against taking a shot like this — was shocked that Trump would take such a risk.
This is not just a question of whether Iran will retaliate — it almost certainly will — but what it will mean for our troops and our personnel throughout the region. What it will mean for our allies and partners who also have troops in harm’s way that are impacted by this decision. What it will mean for our long-term mission to counter Iran and prevent ISIS from bouncing back, and our ability to pursue our broader strategic aims in the region.
Already, we are seeing the fall out.
Iran has declared it will no longer abide by any of the constraints set up under the nuclear deal — putting it back on track to obtaining material for a nuclear weapon, and pushing the region closer to a nuclear crisis.
Our forces in Iraq and Syria are now focused on protecting themselves and preparing to leave — putting the counter-ISIS mission on hold, and allowing a deadly terrorist organization the room to regroup and reactivate.
The Iraqi parliament has voted to eject all American and coalition forces from the country. And however you may feel about an American military presence in the Middle East, there is a right way and a wrong way to draw down our troop presence. Getting unceremoniously kicked out is unequivocally the wrong way. And if we do end up having to leave, that would be another boon to Iran — tipping the balance of power in the region.
Where, just weeks ago, there were spontaneous protests across Iran against the regime, the killing of Soleimani has taken that pressure off the regime.
Trump’s impulsive decision may well do more to strengthen Iran’s position in the region, than any of Soleimani’s plots could have ever accomplished.
Whether or not we see more loss of life, more threats against American interests and assets — this is already a debacle.
And at what is possibly the most dangerous time in recent American history — at precisely the moment when we should be rallying our allies to stand beside us and hold the line against threats — Donald Trump’s short-sighted “America First” dogmatism has come home to roost.
Our closest allies are calling for restraint and de-escalation — on both sides. Making a moral equivalence between us and Iran.
Russia and China are quietly reveling in the prospect that the United States may once more be bogged down in another major conflict in the Middle East. They would love nothing more than to be able to pursue their own interests, and carve out their own spheres of influence, without the United States challenging them on human rights, on abusive trade practices, or on meddling in other nations’ democracies — because we are too busy fighting Iran.
We are alone. And we alone will have to bear the costs of Donald Trump’s folly.
This is also the moment when we most feel the lack of a functioning national security process or any investment in diplomacy.
After three years of hollowing out the State Department; disrespecting and dismissing our intelligence community; destroying the relationship between the White House and Capitol Hill; throwing out the deliberate policy making process that has served Republican and Democratic administrations for decades; corroding the value of the word of the United States; abusing our allies; embracing dictators; creating, not solving, foreign policy crises on the international stage — we are in a much worse position to meet the demands of this crisis than we were when President Obama and I left office.
President Trump has no strategy here. No endgame. And here’s the hardest truth of all: His constant mistakes and poor decision making have left us with a severely limited slate of options for how to move forward — and most of the options are bad.
But there are some key steps that any responsible commander in chief would take. And, while I don’t expect Donald Trump will listen to me, I hope he listens to those around him who understand the gravity of the threats we now face.
He should take all necessary steps to protect our forces and ensure the security of our diplomats, civilians, and overseas facilities — not just in the Middle East, but anywhere that Iran might strike back.
He should ensure that federal authorities are working with states, local governments, and private institutions to guard against the heightened risk of cyber attacks.
He should stop tweeting so he doesn’t box us in with his threats, such that the only options left to us or Iran are increasingly damaging strikes and counterstrikes.
And he should immediately reach out to our European partners and others to send private signals of deterrence and de-escalation to Iran and find a way to avoid the onrush of war.
The best way to do that, of course, would be for President Trump, to rejoin the Iran Deal and build on it — if Iran also moves back into compliance with its obligations — and re-establish international consensus about how to confront the threats from Iran.
The only way out of this crisis is through diplomacy — clear-eyed, hard-nosed diplomacy grounded in strategy, that’s not about one-off decisions or one-upsmanship. Diplomacy that is designed to de-escalate the crisis, protect our people, and secure our regional interests — including our counter-ISIS campaign.
No one wants war. But it’s going to take hard work to make sure we don’t end up there by accident.
Finally, and this one’s not optional, Mr. President, you have to explain your decisions and your strategy to the American people.
That is your job as President — Not Dear Leader, not Supreme Leader.
Democracy runs on accountability. And nowhere is that more important than in the power to make war and bring peace. You are required to work with Congress. You are required to abide by the War Powers Resolution. You cannot pursue a war with Iran absent Congressional authority. The existing AUMFs — the Congressional Authorizations for the Use of Military Force — do not apply.
The American people do not want, and our Constitution will not abide, a president who rules by fiat and demands obedience.
I served in the executive branch of our government for eight years, but I served in the legislative branch for 36 prior to that, and I understand better than anyone that the system will not hold unless we find ways to work together to advance our national interests — not the political interests of one person or one party.
We need to restore the balance of powers between the branches of government.
We need checks and balances that actually serve to check and balance the worst impulses of our leaders — in any branch.
We need to use our system to bring us together as a nation — not abuse it to rip us apart.
That’s not a naïve or outdated way of thinking. That’s the genius and timelessness of our democratic system, which has, for more than 240 years, allowed us to remake ourselves, reckon with our shortcomings, and move ever forward.
That’s what we owe to those brave men and women who step forward to wear the uniform of these United States; who dedicate their lives to diplomatic service; who choose to join the Peace Corps or to work in development; who represent the best of our country all around the world — and who are, today, doing so at greater risk because of the actions of our president.
Thank you — and in these dangerous times — may God protect our troops.
At a fundraiser before his speech, he told the gathering:
“Did you ever think you’d see the time when we would be engaged in potential conflict and our NATO allies would be applying a moral equivalence between what we do and what the Iranians do? I never thought I see that day I spent my entire professional career dealing with NATO and dealing with foreign policy…Now the president says he did this to make us safer. Make Americans safer. Yet, we’re surging another roughly 18,000 forces in the region. And we find ourselves in position where there’s no evidence that they thought through how to protect our diplomats and our military personnel.”
Mr. Biden used the Iran situation to argue “the next president better be able to on day one, know how to begin to bring things together.”
Later in the day, at another fundraising event, news of an Iranian air strike on a US military base in Iraq started breaking. Without more details about the event, Biden said he would only speak briefly and generally about what happened:
“What’s happening in Iraq and Iran today was predictable – not exactly what’s happening but the chaos that’s ensuing,” he said, faulting Trump for withdrawing from the Iran nuclear deal and the recent order of a missile strike killing a high ranking Iranian general, Qasem Soleimani, according to the pool report by Julia Terruso of The Philadelphia Inquirer.
“Some of the things he’s done and said in the meantime have been close to ludicrous, including threatening to bomb holy sites…And I just pray to God as he goes through what’s happening, as we speak, that he’s listening to his military commanders for the first time because so far that has not been the case.”
The vigorous contest of
Democrats seeking the 2020 presidential nomination has produced excellent
policy proposals to address major issues. Senator Elizabeth Warren has
released independent analysis supporting her plans for a Green New Deal
creating 10.6 million new green jobs. This is from the Warren campaign:
Charlestown, MA – Senator Elizabeth Warren, campaigning for President, released a new independent analysis estimating that her plans for a Green New Deal will create 10.6 million new green jobs.
“America has a long and proud history of rising to the
challenges that have faced this country — and defeating the climate crisis is
no exception. A Warren administration will ensure that as we fight climate
change, each and every American benefits from the opportunities created by the
clean economy — especially the 10.6 million workers who will power our
transition to 100% clean energy.”
Elizabeth Warren’s plans for a Green New Deal will:
Develop the green workforce of the future by expanding job
training, partnering with unions to rebuild the middle class, and ensuring the
new clean economy is open to everyone
Rebuild and repower our energy grid to grow our economy,
invest in offshore wind, and achieve 100% carbon-neutral power by 2030
Transform our transportation sector by expanding green
public transportation programs and requiring all new light and medium-duty
vehicles sold by 2030 to be zero-emission vehicles
Repair our water infrastructure by rebuilding America’s
dams, levees, and inland waterways and ensuring safe drinking water for all
Rebuild our homes, buildings and schools to achieve safe and
affordable housing and provide our children with healthy living and learning
Finance the green jobs program by creating a new Green Bank
and issuing Green Victory Bonds, modeled after the programs FDR implemented
during the New Deal
My Plan to Create 10.6 Million Green Jobs
Earlier this month, climate scientists published new research suggesting the planet is hurtling towards an ecological tipping point that would irreversibly damage the earth and threaten our livable climate — for good. This most recent study adds to the growing body of evidence that climate change is happening faster than scientists originally thought. And it further reinforces what we already know: we have roughly a decade left to avoid catastrophic impacts by ending our economic dependence on fossil fuels and substantially reducing global emissions.
But while climate change presents an urgent threat, it also presents the greatest opportunity of our time: the chance to rebuild our economy with 100% clean energy, to address the racial and economic inequality embedded in our fossil fuel economy, and to create millions of good, union jobs in the process. This is not the first time our country has faced a threat of this magnitude.
When Franklin Delano Roosevelt said we would build a historic air force of 185,000 planes to defeat the Nazis, America had a nascent military aircraft industry. But FDR rallied the nation to the task: by the end of World War II, we had produced around 300,000 aircraft in less than 5 years.
When John F. Kennedy told the nation that we would send a man to the moon in under a decade, people said that would be impossible, too. But our top scientists and engineers came together and changed the world forever, delivering not just a lunar landing but also a torrent of new technology that helped working Americans here at home.
From World War II to the space race, American ingenuity has risen to meet seemingly impossible challenges — leading the world and unleashing economic benefits for Americans in the process.
Today we face a new challenge. Defeating the climate crisis will require the ingenuity of the moon landing and an economic and industrial mobilization unseen since our efforts in World War II. It will need to happen at the speed and scale of FDR’s New Deal, which launched over 50 federal programs and pulled millions of Americans out of unemployment. It will take workers of all kinds to rebuild and repower our energy grid and to upgrade our transportation, building, and water systems to guard against the worst effects of climate change and protect our most vulnerable communities. And it will take workers in every corner of America — from construction foremen in the Rust Belt to pipefitters in the Bayou — to transform our country’s infrastructure.
The Green New Deal is the answer to this national call.
After the 2008 crash, President Obama ushered through the historic American Reinvestment and Recovery Act to jumpstart our economy and bring an end to the Great Recession. Included in this total federal investment was $90 billion for clean energy, making it one of the largest investments in clean energy in U.S. history. The Council of Economic Advisors later reported that every $1 invested in clean energy leveraged an additional $1.60 in non-federal and private dollars.
Using this historical data and other estimates as a guide, my plans for a Green New Deal will result in an estimated total public and private investment of $10.7 trillion in our new clean energy economy. And independent experts that examined my ideas for a Green New Deal to analyze how they will drive job creation estimated that they will create 10.6 million new green jobs. This will help rebuild the middle class by providing family-supporting wages, career pathways, and worker protections in our new green economy. This is the opportunity of the Green New Deal: a $10.7 trillion total investment in our clean economy that spurs 10.6 million green new jobs. And we’ll do it all together — with no community and no worker left behind.
I mean it when I say that defeating the climate crisis will be a top priority of my administration. That’s why today I’m releasing my plan to enact a climate change agenda that not only reduces our carbon emissions but also jumpstarts our economy.
Developing the Green Workforce of the Future
There are already clean energy job opportunities across the country. But with $10.7 trillion in federal and private investments, we can turn these opportunities into 10.6 million new, union jobs rebuilding our nation’s infrastructure and transitioning to the new clean energy economy. To support the millions of skilled and experienced contractors we will need to plan and execute large construction and engineering projects in the new clean economy and to support the first responders, healthcare workers, social workers, and other public and private employees who respond to climate-induced disasters, my administration will commit to investments in retraining, joint labor management apprenticeships, and creating strong career pipelines to ensure a continuous supply of skilled, available workers. And, we will look for every opportunity to partner with high schools and vocational schools to build pathways to the middle class for kids who opt not to go to college.
Expanding job training.
We currently invest $200 million annually in apprenticeship programs across the country. Successfully training and re-training millions of skilled laborers to rebuild our nation’s infrastructure, however, will require scaling up dramatically. That’s why my plan to Defend and Create American Jobs calls for a tenfold increase in investments in apprenticeships — a $20 billion commitment over the next ten years. I’ll follow Governor Inslee’s lead by re-establishing dedicated programs for green industrial and construction job training and placement under the Workforce Innovation & Opportunity Act (WIOA), too.
And investing in job training is only the first step. A Warren administration will link public investments in clean energy infrastructure to apprenticeship and pre-apprenticeship training, as well as graduation rates and local hires, to ensure that we are creating a full training-to-career pipeline. My plans also call for expanded technical and trade school opportunities to create pathways into good jobs in the new clean energy economy that will not require a college degree. And my administration will create regional sector-specific training partnerships to help better align training with the local job market, leverage the community college system, and ensure that workers gain transferable skills.
Partnering with unions to rebuild the middle class.
I am committed to ensuring that all of the 10.6 million new jobs in the clean economy pull working Americans back into the middle class — and to working hand-in-hand with unions to do so. That’s why I will fight for good wages and strong benefits for every worker that joins the new clean economy. A Warren administration will condition federal clean energy investments to state, local, and tribal governments on employers offering family-supporting wages and benefits — and will enforce this through Project Labor Agreements, prevailing wage laws, and Community Benefit Agreements. And I will work hand-in-hand with unions to return power to the working people powering the green economy. Unions built the middle class and unions will rebuild the middle class in the green economy of the future, too.
I’ve already committed to making sweeping reforms to our labor policy. These changes will extend labor rights to all workers — for example, narrowing the definition of “supervisor” under the National Labor Relations Act to end the exclusion of workers like the construction foremen that will lead the charge on building our clean energy grids. They will guarantee workers entering this new economy have a voice in actually shaping it by strengthening organizing and collective bargaining rights and increasing worker choice and control, including by requiring large companies to allow workers to elect no less than 40% of board members. And I will work with unions to design the training and apprenticeship programs that can create strong career pipelines for workers to enter this new green economy, helping to expand opportunities — and a continuous supply of skilled workers to power this transformation.
Ensuring the new clean economy is open to everyone.
In addition to employing millions of new workers in the clean economy, I am committed to leaving no worker behind as we transition to an economy powered on clean energy. That includes honoring our commitments to fossil fuel workers by holding fossil fuel companies accountable and defending worker pensions, benefits, and securing retirements. I will make sure the opportunities created are available to those who have traditionally been excluded — especially women and communities of color — by imposing new rules on companies that hope to receive federal contracts.
Rebuilding our nation’s infrastructure as part of the new clean energy economy will take all of us, including returning citizens — which is why my administration will partner with organizations that make renewable energy and associated job training available to underserved communities and formerly incarcerated individuals. And my plan to empower workers will expand worker safety protections for workers entering the green economy — like our transit workers who are increasingly subject to assault — and I will strengthen anti-discrimination protections for workers from all backgrounds.
Repowering our Energy Sector
In 2018, clean energy industries employed over 3.2 million Americans — more workers than in the petroleum, natural gas and coal industries combined. The clean energy industry is rapidly expanding — the two fastest-growing jobs in the nation are solar panel installer and wind turbine technician. But there is more to do, and the federal government can and should play a role in increasing the speed and scale of this transition. A Warren administration will focus on rebuilding and repowering our energy grid to grow our economy — and my plans will create 6.8 million good paying jobs in the energy sector, all while cutting carbon pollution.
100% Clean Energy Plan
While some states and utilities have been leading the way on cleaning up their electricity sources, far too many are falling behind. My plan calls for the federal government to set a bold standard for achieving 100% carbon-neutral power by 2030, including carbon-free baseload solutions, putting us on the path to a 100% emissions-free electricity supply by 2035.
These ambitious targets will require us to ramp up renewable energy generation and deployment dramatically. Cleaning up our energy system will create a diverse range of jobs — from construction worker to electrician to project manager. But these good paying jobs won’t just be in renewable energy. They will also come from making homes, offices, and industries more energy efficient. And through my Green Manufacturing plan, we’ll jumpstart American research and manufacturing in areas like battery storage, which will require a whole new set of skills and laborers. And wherever possible, we’ll invest in modernizing our grid with American-made materials, spurring still more jobs right here at home.
Offshore Wind Jobs
Right now, there is only one offshore wind project operating in this country — Rhode Island’s Block Island Wind Farm. It’s clear that today, we are failing to make use of the clean, powerful energy resource that lies just off our coasts. My Blue New Deal For Our Oceans plan will jumpstart the offshore wind industry. Bringing these offshore wind projects to life will generally require the help of workers from more than 70 different occupations — from machinists to engineers, sailors to ironworkers, electricians to longshoremen. By 2030, offshore wind energy development from Maryland to Maine could support more than 36,000 full time jobs. And even after they’re built, we will need workers to operate and service the turbines. My Blue New Deal also calls for electrifying and shoring up our ports, creating additional jobs throughout our coastal communities.
Restarting Our Transportation Sector
America’s transportation and trucking industry accounts for more than 10 million direct jobs, with over 3 million truck drivers alone. But right now, transportation also accounts for the largest portion of U.S. carbon pollution. Moreover, our public transportation infrastructure is crumbling: the American Society of Civil Engineers gave our roads a “D” grade on their most recent infrastructure report card, with one out of every five miles of highway pavement in poor condition.
For too long, our government has failed to invest in critical infrastructure — and unless we take action, poor conditions will continue to plague one of our most important industries. But this, too, is an opportunity: as we rebuild our crumbling transportation infrastructure, we can build in climate resiliency, and create a transportation system powered by electricity rather than fossil fuels. The massive project of investing in our transportation infrastructure will affect every state and county in the nation, creating about 2.6 million jobs in the public and private sector.
Build Green Program
Public transportation is a $71 billion industry that employs more than 430,000 people. And yet, 45% of Americans still do not have access to public transportation, leaving those without access reliant on car ownership to get to work, school and worship. We know that increasing public transportation rates and decreasing vehicle miles traveled is one of the best ways to reduce emissions. That’s why I’m proposing a new Build Green program, which would establish a new grant program to electrify public buses, school buses, rail, cars, and fleet vehicles that is modeled after the Department of Transportation’s BUILD grant program. This program will be paid for by closing corporate loopholes, and will open up new funding opportunities for states, cities, counties and tribal governments to expand and electrify public transportation options. A study conducted in the Twin Cities found Black, Asian-American, and Latinx commuters have longer commutes than white commuters. And people with disabilities face particular barriers in using and accessing public transportation. These investments will be crucial to ensuring equitable and accessible transportation for all.
100% Clean Vehicles.
Demand for passenger electric vehicles is growing at home and abroad — but even though more and more people want electric vehicles, they still only account for around 1% of vehicles on the road. To spur auto manufacturing in this space, I have put forward a bold and ambitious goal to require all new light -and medium-duty vehicles sold by 2030 to be zero emission vehicles. We’ll achieve this goal by investing in a nationwide network of electric vehicle charging infrastructure. By the end of the first term of a Warren administration, there will be a charging station at every rest stop in America. And this nation-wide network of charging infrastructure will begin to lay the groundwork for electrifying long-haul trucking, too. But charging station infrastructure is only half the battle. Right now, consumers don’t have enough access to vehicles. In 2011, there were only two mass market electric vehicles available to consumers — and even now, the auto industry offers only fifteen models. While car manufacturers are already trying to meet growing demand, my investment in clean energy technology, including products designed for use in the electric vehicle supply chain, will further increase adoption of electric vehicles by making it easier for auto manufacturers to build the vehicles that consumers want.
We’ve let our failure to take action destroy our transportation infrastructure for too long and a Warren administration will make sure that the Department of Transportation acts with the speed and scale necessary to address the climate challenges ahead of us. I will take executive action to require the Department of Transportation set performance management rules that require federal transportation investments to be accompanied by life-cycle analysis and reduction strategies for climate and other transportation related pollution.
Renewing Our Water Infrastructure
America’s water infrastructure is crumbling. The government’s failure to invest is putting Americans in danger in two ways: first, our levees, dams and inland waterways infrastructure are all at risk — and will only become more stressed by climate change as sea-level rise, extreme flooding, and drought all become more frequent and severe. Second, our drinking water is increasingly at risk: as the infrastructure supporting it crumbles, an estimated 77 million Americans live with tap water that violates federal safe water standards — and this number does not even include the millions more served by very small water systems or private domestic wells. Meanwhile, more and more Americans struggle to afford their water bills as water bill costs have risen at more than double the rate of inflation over the last 20 years. Fixing our water infrastructure is an urgent priority — but we risk not having enough hands on deck, as the water sector’s aging workforce increasingly enters into retirement. Reinvesting in our nation’s water infrastructure isn’t just essential for the health and the safety of our communities, it’s also a chance to grow our workforce. In a Warren administration, we’ll not only protect Americans by rebuilding our nation’s water infrastructure — we’ll also create about 190,000 thousand good, union jobs in the process.
Rebuilding America’s dams, levees, and inland waterways.
Our nation’s dams, levees, and inland waterways provide necessary infrastructure for shipping and hydroelectric power — but they’ve been so underfunded that they are putting our communities at risk. When the Oroville Dam’s emergency spillway failed in 2017, nearly 200,000 people were evacuated from rural Northern California. And the failure of New Orleans’ levees during Hurricane Katrina made Katrina one of the most devastating U.S. hurricane on record, killing 1,800 people, damaging 70% of homes in New Orleans, and resulting in damages of $125 billion. This stops now. A Warren administration will triple the US Army Corps of Engineers’ annual budget so that they have the resources they need to upgrade our water infrastructure and defend our vulnerable communities from harm. We’ll pay for this with savings from my plan to transition the military away from its dependence on fossil fuels and other internal Department of Defense funding shifts. This dramatic expansion will create new opportunities for good, federal jobs as we update critical infrastructure across the nation — an investment that is more important than ever to defend vulnerable front-line communities from more frequent and more severe weather events.
Ensuring safe drinking water for all
Nearly a decade ago the UN General Assembly adopted a resolution recognizing access to water and sanitation as basic human rights. But today, the United States is in the middle of a dangerous drinking water crisis. Not only do an estimated 77 million Americans’ have tap water that violated federal standards, but at least 2 million Americans still don’t have access to running water. And because of a long legacy of unfair, racist, and deliberate policy choices, communities of color are disproportionately likely to lack access to safe, affordable drinking water. After decades of declining federal investments in safe water, it’s time to invest in safe, affordable water for our communities. That’s why I have committed to fully capitalizing federal programs that fund drinking water capital infrastructure, such as the Clean Water State Revolving Fund and the Drinking Water State Revolving Fund. And I will go further by supporting Rep. Joe Kennedy’s Affordable Safe Drinking Water Act, which would extend the horizon for states and localities to repay revolving loans and expand the funding to cover the installation of lead and per- and polyfluoroalkyl substances (PFAS) filtering systems and remediation measures. These important updates to the State Revolving Fund programs will not only guarantee much-needed upgrades to our drinking water infrastructure, but will also spur necessary investments to allow for expanded job opportunities. My administration will continue to invest in brownfield remediation, which is why I have proposed to reinstate and then triple the Superfund Tax to ensure that we protect our communities from the legacy of environmental harm and we put people to work in the process. And I will remain committed to standing with communities across the country that are impacted by lead.
Jobs in the water sector are wide ranging: there are more than 200 different occupations, including in skilled trades, administration, and finance. What’s more, because every community needs quality water, these jobs exist across the nation. I will work to create more inclusive career paths for water workers to meet the needs of our drinking water infrastructure by fighting for increases in the percent of local hires and minority/women-owned contracts that are awarded as part of water-related government contracting. And I will work with Congress to fully fund the EPA’s Brownfields Environmental Workforce Development and Job Training Grants Program and the Environmental Health Sciences Environmental Career Worker Training Program, which is helping to improve workforce development for water-related careers. Lastly and in order to confront America’s drinking water crisis head on, I will take executive action to develop a national inter-agency safe and affordable drinking water roadmap. And to inform this effort I will convene a Water Equity Advisory Council with representation from key environmental justice and community-based organizations that are on the frontlines of addressing our safe water crisis.
Rebuilding our Homes, Buildings and Schools
In his Second Inaugural Address, President Franklin D. Roosevelt declared that the “test of our progress is not whether we add more to the abundance of those who have much; it is whether we provide enough for those who have too little.” Later that term, FDR signed into law the Wagner-Steagall Housing Act, which put Americans to work building new, modern affordable housing units across the country. But today, whether it’s a leaky window, an old appliance, or mold in a home, it’s hard-working Americans that pay the price through increased utility bills and housing costs.
As I’ve outlined in my 100% Clean Energy Plan, I’ll work with states and local governments to develop and implement new and stronger building codes to reach zero-carbon emissions and building those new standards into federal grant requirements, tax credits, and mortgage products. And I’ll launch an initiative to improve the energy efficiency of existing buildings, with the goal of upgrading 4% of buildings a year until the job is done. All told, my plans will create over 970,000 thousand new jobs as demand grows across sectors from the manufacturing of American-made energy efficient materials to large and small-scale construction efforts.
Safe and affordable housing
We currently have a government that has paid lip service to the idea of providing all Americans in need with safe and affordable housing. The federal government hasn’t funded new public housing construction in decades and has turned a blind eye to the massive maintenance backlog needed to make sure the limited housing we do have is safe to live in. That stops now. My Affordable Housing Plan would invest $500 billion over 10 years to address this crisis and would create 3 million new housing units. As a co-sponsor of the Green New Deal for Public Housing Act, I recognize the right to safe, affordable housing for every American and the need for new, green jobs to realize FDR’s dream. My Green Public Housing program will build on the Green New Deal for Public Housing Act, by raising living standards and providing the financial assistance necessary to retrofit these homes. This will require training a new American workforce and would alone create 240,000 new jobs. We can address the climate crisis while we tackle the housing crisis, too.
Providing our children with healthy learning and living environments
As a former public school teacher, I know firsthand how our children’s learning can be affected by their environment. More than half of our public schools need repairs in order to be in “good” condition. Our poor school infrastructure has serious effects on the health and academic outcomes of students and on the well-being of teachers and staff. That’s why in my K-12 plan I’ve committed at least an additional $50 billion to improving our school infrastructure. This will require a workforce across the country to identify the schools most in need and carry out the necessary upgrades to provide our children with the learning environment they deserve. There’s nothing more important to me than investing in our kids because it means we’re investing in our future.
Green infrastructure means inclusive infrastructure. We have to recognize that our building infrastructure crisis is an environmental justice crisis. The disparities in our building infrastructure reflect the racial inequities that exist in America today. Historically, redlining denied entire groups of people—primarily communities of color—the chance to live in neighborhoods of their choice while also making them the victims of environmental racism. Studies have shown that low-income and minority children bear the brunt of poisoning from lead-based paint and failing lead pipes in older housing units. Our system has also failed Americans with disabilities who occupy 41% of our public housing units and yet only 3% of those units are ADA accessible. These same inequities exist in our public schools, too. In New York City, for example, 83% of elementary schools in New York City are not fully accessible to students with disabilities.
This ends in a Warren administration. It’s the job of our government to reverse these injustices, and I will put Americans to work to finish the job. That’s why I will use the full force of the federal government to invest in addressing these disparities — and creating millions of good, union jobs in the process.Together, these plans will curb homelessness in America, put Americans to work in quality jobs, protect the health of American families, and ease the burden on their pocketbooks.
Financing the Green Jobs Plan
Defeating the climate crisis and transitioning our economy to run on 100% clean energy will take big, structural change. That’s why my plans will result in $10.7 trillion in federal funding to fight for a Green New Deal — backed up by detailed plans laying out exactly how we will use those dollars — to address the size of this crisis.
The transition to clean energy is an opportunity to transform our economy, creating new industries, like in zero-emissions building construction, and greatly expandingothers, like electric vehicle manufacturing, at a speed and scale not seen since World War II — and creating huge opportunities for state, local and non-federal investment in the process, too. My Administration will create new financing tools to unlock state, local, and private investment and direct it towards meaningful investments that tackle climate change, produce jobs, and reduce inequality. And my administration will put in place strong protections to ensure that this $10.7 trillion commitment flows to the right places, so that our climate investments benefit all Americans — not just the wealthy and well-connected.
A New Green Bank
A Green Bank is among the best ways to ensure a dedicated funding stream for an economy-wide climate transition to reconcile the scale of investment required with the speed of transition necessary to defeat the climate crisis. I’ll work with Congress to establish a bank modeled after and expanded upon the National Climate Bank Act, introduced earlier this year by my friend and colleague Senator Markey. We’ll put in place strong bipartisan oversight and governance to ensure that investments are equitable and benefit working Americans. And ultimately, this new Green Bank will mobilize $1 trillion in climate and green infrastructure investments across the country over 30 years.
The Green Bank will open up new markets for greater investment by working alongside existing federal authorities through direct spending, grants, and loans. It will provide security for investors looking for climate-friendly investments in mid- to large-scale infrastructure projects that serve the public interest but might not otherwise attract private capital due to risk-return thresholds, payback horizons, credit risk or other factors. It will increase the overall scale of clean energy investment and the pace of substitution of clean energy technologies for fossil-fuel based technologies, while also protecting consumers by keeping energy prices low and ensuring compliance with the Consumer Financial Protection Bureau’s regulations. And it will expand opportunities for communities and the private sector by directing funds toward communities on the front lines of the climate crisis that have traditionally been left out of investment opportunities.
Green Victory Bonds
Today many states have green bonds programs, using the proceeds to fund land use projects, river and habitat preservation, and energy and water infrastructure. Green bonds have also surged in popularity worldwide, with sales growing 46% last year to about a total of about $460 billion.
While the federal government has never issued a green bond, the World War II-era “Victory Bond” program was a major success, raising $185 billion — over $2 trillion in 2012 dollars — and four out of five American households bought Victory Bonds. I’ll propose a “Green Victory Bond,” backed by the full-faith and credit of the United States by the Treasury Department, to finance the transition to a green economy. These Green Victory Bonds will be sold at levels that allow Americans across the socioeconomic spectrum the opportunity to own a piece of the climate solution, and to benefit from the new green economy that we build together.
With increasing violence against Jewish people, including the massacres at a New Jersey kosher grocery, in California and Pittsburgh, desecrations at Holocaust Memorial Center on Long Island, and attacks on Jews in New York City and upstate New York, as Jews around the world celebrate Chanukah and the historic victory over religious repression, Vice President Joe Biden, a candidate for President, issued a statement decrying the rise of Anti-Semitism and reflecting on “the battle for the soul of this nation.” This is from the Biden campaign:
Statement from Vice President Joe Biden on the Rise of
Anti-Semitism and the Battle for the Soul of This Nation
Across America, and around the globe, the disturbing rise of anti-Semitism is shredding the fabric of our communities, tearing apart the lives of innocent people and their families, and eroding the soul of our nation.
This tide of hatred fueled last week’s horrific act of domestic terrorism that took the lives of a police officer and three people at JC Kosher Supermarket in New Jersey. It’s the same hatred that unleashed the deadliest attack on the Jewish community in U.S. history last year at the Tree of Life Synagogue in Pittsburgh. That led a gunman armed with an AR-15 style gun to storm the Chabad of Poway Synagogue in California earlier this year on the last day of Passover.
We have to fight the pernicious and persistent evil of anti-Semitism at every level of our society — starting with our political leaders. My dear friend, the late Tom Lantos, had a saying that I’ve quoted frequently. He said, “The veneer of civilization is paper thin. We are its guardians, and we can never rest.” That means we have to stand up and speak out every time anti-Semitism rears its head, because silence can all too quickly become complicity.
Yet, after Charlottesville, instead of condemning a naked display of hatred, Trump assigned a moral equivalence between those streaming through the night with torches, chanting anti-Semitic bile — and the courageous neighbors and activists who stood against them. He gave license and safe harbor to white supremacists, Neo-Nazis, and the KKK.
We have all seen what has followed. There’s a short line from those white supremacists in Charlottesville chanting “Jews will not replace us,” to the shooter at the Tree of Life synagogue in Pittsburgh last year, saying Jews “were committing genocide to his people.”
Since he took office, Trump has presided over a historic increase in hate crimes and biased-incidents targeting people of color, immigrants, LGBTQ Americans, and people of Jewish faith. Active hate groups grew to 1,020 in the U.S. last year, with white nationalists leaping almost 50%, according to the Southern Poverty Law Center. FBI data shows that most of our religion-based hate crimes are aimed at Jews. At the end of 2017, Trump’s first year in office, anti-Semitic incidents increased nearly 60%, the largest one-year increase since the Anti-Defamation League started keeping records 40 years ago.
As I said after Charlottesville, we are in a battle for the soul of this nation. And, it’s why I am running for president.
Trump announced his first campaign by calling Mexican immigrants “rapists.” He called a major American city a “disgusting rat-and rodent-infested mess” that “no human being” would choose to live in. He tried to ban a whole religion from entering our country. He has repeated anti-Semitic tropes and sought to turn U.S. support for Israel into a political football.
In both clear language and cynical code, this president has fanned the flames of white supremacy and anti-Semitism in this nation. The Jewish people know better than anyone, that any action designed to marginalize one ethnic or religious group imperils us all.
Trump’s actions have only worsened the crisis: retweeting white nationalist postings. Cutting funding for Obama-Biden initiatives put in place to counter violent domestic extremism.
As I said earlier this year, we must enact a federal domestic terrorism law. We have to make the same commitment to rooting out domestic terrorism as we’ve made to stopping it internationally. And, we can do it without infringing on people’s free speech and without trampling civil liberties.
We must appoint leadership at the U.S. Department of Justice who will prioritize the prosecution of hate crimes – making clear that there is no place for such vitriol in this country.
We must defeat the National Rifle Association to get weapons of war off our streets and out of dangerous hands. I know we can because I’ve done it before – twice. As president, I’ll do it again. I’ll ban the manufacture and sale of assault weapons and high-capacity magazines, require background checks for all gun sales, and close the hate crime loophole by enacting legislation to get guns out of dangerous hands of those convicted of a misdemeanor hate crime.
And, we have to condemn pernicious stereotypes wherever we find them, and stand up to those who seek to delegitimize Israel, including at the United Nations. No nation, including Israel, is immune from legitimate criticism, but it should not be unfairly singled out.
Hate didn’t begin with Donald Trump, and it won’t end with him. But this is a defining moment in our nation’s history. A moment where we are once again called to fight against the same forces of hate and intolerance that we’ve battled throughout our history. Yet it’s in these times, when what’s at stake matters the most, that we decide who we are, and maybe more importantly, who we want to be.
I am running for president because I believe in the best of America. I believe in our values of equality, giving everyone a fair shot, and treating everyone with dignity and respect. We are a country that gives to hate no safe harbor. We lead by the power of our example, not just the example of our power. So let us renew our commitment to our better angels and do what this president cannot: Stand together against hate, and stand up for what, at our best, this nation believes.
The vigorous contest of
Democrats seeking the 2020 presidential nomination has produced excellent
policy proposals to address major issues. Senator Bernie Sanders released hisHousing for All” plan. This
is a summary from the Sanders campaign:
– U.S. Sen. Bernie Sanders unveiled hisHousing for All plan, a bold proposal to guarantee every American – regardless of
income – a fundamental right to a safe, decent, accessible, and affordable home.
“There is virtually no place in America where
a full-time minimum wage worker can afford a decent two bedroom apartment. At a
time when half of our people are living paycheck to paycheck, this is
unacceptable,” said Sen. Sanders. “For too long the federal government has
ignored the extraordinary housing crisis in our country. That will end when I
am president. My administration will be looking out for working families and
tenants, not the billionaires who control Wall Street.”
In America today, there is a shortage of 7.4
million affordable homes for the lowest-income renters and more than 18 million
families in America are paying more than half of their limited incomes on
housing and utilities. The federal government should be expanding housing programs,
but Donald Trump wants to cut them by $9.6 billion, or 18 percent.
for All plan would instead end the housing crisis, build millions of
affordable housing units, implement a national rent control standard,
revitalize public housing, protect tenants, combat gentrification, end
predatory lending and modern day redlining, and end homelessness by:
nearly 10 million homes through the National Affordable Housing Trust Fund,
social housing, Community Land Trusts, and other housing programs.
funding tenant-based Section 8 rental assistance at $410 billion over the next
ten years and making it a mandatory funding program for all eligible
a national cap on annual rent increases at no more than 3 percent or 1.5 times
the Consumer Price Index, whichever is higher, to help prevent the exploitation
of tenants at the hands of private landlords.
exclusionary and restrictive zoning ordinances and replacing them with zoning
that encourages racial, economic, and disability integration that makes housing
McKinney-Vento homelessness assistance grants to more than $26 billion over the
next five years to build permanent supportive housing.
the mass sale of mortgages to Wall Street vulture funds and thoroughly
investigating and regulate the practices of large rental housing investors and
legislation to prevent abusive “contract for deed” transactions and using
existing authority to protect communities of color, which for too long have
been exploited by this practice.
Sanders’ proposal will be fully paid for by
establishing a wealth tax on the top one-tenth of one percent. It will cost
$2.5 trillion over the next decade.
The details of the Sanders housing plan can be read here.
vigorous contest of Democrats seeking the 2020 presidential nomination has
produced excellent policy proposals to address major issues. Senator Bernie
Sanders released hisimmigration plan, “A Welcoming
and Safe America for All.” This is a summary from the Sanders campaign:
WASHINGTON – Sen. Bernie Sanders unveiled his immigration
plan, “A Welcoming and Safe America for All,” which would fundamentally
overhaul immigration into a humane, lawful process that protects families and
respects human rights. Sanders would reverse Trump’s executive actions, create
a swift and fair pathway to citizenship, decriminalize immigration and
demilitarize our border, protect and strengthen immigrant labor rights, support
immigrants in America, and enact fair trade deals and a humane foreign
“My father came to America as a refugee without a nickel in his pocket,
to escape widespread anti-Semitism and find a better life,” Sanders said. “As
the proud son of an immigrant, I know that my father’s story is the story of so
many Americans today. When I am in the White House we will stop the hatred
towards our immigrant brothers and sisters, end family separation, and locking
children up in cages. We will end the ICE raids that are terrorizing our
communities, and on my first day as president, I will use my executive power to
protect our immigrant communities and reverse every single horrific action
implemented by Trump.”
The plan, which is the most progressive immigration proposal put forth
in presidential history, was written in conjunction with several DACA
recipients and other immigrants on Bernie 2020 staff.
As President, Sanders will use his executive authority to
overturn all of President Trump’s actions to demonize and harm immigrants on
day one of his administration. Sanders will extend legal status to the 1.8
million young people currently eligible for the DACA program, and provide
administrative relief to their parents, those with Temporary Protected Status,
and parents of legal permanent residents. He will also use advance parole,
parole-in-place, and hardship waivers to remove barriers to legal status and
citizenship for as many undocumented immigrants as possible.
authority to reverse Trump’s harmful actions on immigration, including ensuring
asylum seekers can make their claims in the United States, ending family
detention and separation, reuniting families, reversing the Muslim ban and
halting construction on Trump’s racist border wall.
Place a moratorium on
deportations and end ICE raids.
Restore and expand
DACA and use advance parole, parole in place, and hardship waivers to remove
barriers to legal status and citizenship for as many undocumented immigrants as
Push Congress to enact
a fair, swift, and inclusive path to citizenship for the 11 million
undocumented living in the United States.
bloated, dysfunctional Department of Homeland Security, break up ICE and CBP
and return their core functions to their previous departments, and begin
treating immigration outside the context of national security.
demilitarize the border, ensure migrants due process, and fully fund and staff
independent immigration courts.
Strengthen and protect
immigrant labor rights, including for historically excluded and underregulated
occupations such as farmworkers and domestic workers, ensure employers are held
accountable for mistreating immigrant workers, and reform work visas.
trade deals, develop a humane foreign policy, and lead the world in addressing
climate change, including taking in those forced from their homes due to
Ensure immigrants in
the United States get the support and benefits they need, including healthcare
and education, and streamline immigration and naturalization.
vigorous contest of Democrats seeking the 2020 presidential nomination has
produced excellent policy proposals to address major issues. Mayor Pete
Buttigieg released his proposal to create a modern immigration system. This is a summary from the Pete for America campaign:
SOUTH BEND, IN — Mayor Pete Buttigieg released “I was a stranger and you welcomed me:
An Immigration Policy for A New Era,” a comprehensive
immigration policy that lays out Pete’s bold plan to create a modern
immigration system that fosters belonging, promotes our shared values, engages
with the global community, and ensure our nation remains competitive while
protecting all workers.
“On Day One of my administration, we will reverse this
president’s cruel and counterproductive immigration actions that separate
families, put children in cages and prevent them from having basic necessities
like toothpaste or soap, deport veterans, and sweep up workers in raids while
leaving exploitative employers unpunished,” said Buttigieg. “But we will do more than simply end these
outrages. We will reform a system that has been in dire need of reform for
decades and create an immigration system for a new era that reflects America’s
values of welcoming and belonging.”
A Buttigieg administration will work to ensure that our
nation is a beacon of hope for immigrants and refugees and will build a better
system that serves all of us. Pete’s plan will:
Pass legislation in his first 100 days that provides a
path to citizenship, including for people with temporary
protections—Deferred Action for Childhood Arrivals (DACA), Temporary Protected
Status (TPS), Deferred Enforced Departure (DED), and withholding of removal.
While working on a necessary legislative fix, Pete will immediately restore and
extend temporary protections rescinded or threatened by the current
administration on day one.
Accelerate reunification of families. Pete will
reduce the backlog of family-based visas and increase the number of visas
issued for family reunification each year. He also will fight for reforms to
re-classify spouses and children of permanent residents as immediate relatives,
eliminate discriminatory annual per-country caps, end down-grading of family
preferences (through aging out or getting married), and recognize same-sex
partners from countries lacking marriage equality.
End the Muslim Ban on Day One. Pete will immediately
end this ban, which should be anathema to our values as Americans.
Reduce barriers to health care and education by
eliminating the five-year waiting period for green card holders gaining access
to public health insurance and food assistance programs; expanding on Obamacare
to allow all immigrants to access health coverage on the marketplaces, and
expanding access to Pell grants for students with DACA.
Protect undocumented workers from retaliation when
reporting labor violations. Pete will support the Agricultural Worker
Program Act, which protects farmworker rights such as labor, pesticide
protection, and food safety laws. Pete also supports the Domestic Workers’ Bill
Provide opportunities for people who want to build our
economy where they are needed most. Pete will create a local Community
Renewal (CR) visa targeted toward counties that have lost prime-working-age
population over the last 10 years, and smaller cities that are struggling to
keep pace economically with larger cities.
Create a National Office of New Americans to promote and
support immigrant and refugee integration and inclusion. This office will
be in the Executive Office of the President and will coordinate integration
efforts across federal, state, and local governments.
Keep naturalization affordable. The Trump
administration is proposing to hike the naturalization application fee by 83%
to $1,170 —that’s more than an average family pays for rent each month in 43
states. Pete’s administration will keep naturalization affordable and ensure
that fee waivers are available to those unable to pay. As we do for those who
serve in the military. Pete will not require a fee from national service
Put border facilities under the purview of HHS rather
than CBP. Byshifting responsibility for processing centers to the
Department of Health and Human Services (HHS), we ensure proper care of asylum
Fully restore and increase aid to Central America.
The Trump administration suspended nearly $450 million in aid to El Salvador,
Honduras, and Guatemala in retaliation for failing to stop migrants from
leaving for the United States, a short-sighted response that has only
exacerbated the dire conditions that cause people fleeing in the first place. A
Buttigieg administration will restore funding to additional programs proven
effective in improving the rule of law, functioning judicial systems,
education, regional safety, economic stability, and combating corruption.
Modernize our employment-based visa system. We have
not meaningfully updated our visa caps in over 30 years. Rather than reset our
visa allotments one time based on current data, which will quickly become
outdated as our economy continues to change, Pete will create a flexible review
system where the allotment for employment-based visas will be set every other
year based on our economy’s needs. This process will make our immigration
system more adaptable, evidence-based, and competitive.
Our democracy is stronger when people living here have a voice in our society.
Read Mayor Pete’s comprehensive plan for An Immigration Policy for A New Era HERE.
The vigorous contest of Democrats seeking the 2020 presidential nomination has produced excellent policy proposals to address major issues. Mayor Pete Buttigieg released hisplan for equitable public education, starting with universal child care and pre-K, through K-12. This is a summary from the Pete for America campaign:
SOUTH BEND, IN — Mayor Pete Buttigieg released his plan to ensure every child has access to quality, affordable education that will provide them the opportunity to succeed. Pete’s plan will build an equitable K-12 public education system, provide universal child care and pre-K, and make sure America’s teachers not only reflect the diversity of our country, but are paid fairly for the critical work they do.
By tripling funding for Title I schools and teachers, Pete’s
plan will narrow opportunity gaps between districts in high-income and
low-income areas. It will also double the proportion of new teachers and school
leaders who are people of color in the next 10 years. His plan will eliminate
the wage gap for Title I teachers and create over 1 million new, good-paying
child development jobs.
“Too often, access to education is predicted by income or
zip code. And success can be determined before a child even sets foot in a
classroom,” said Buttigieg. “Every child in America should have access to high
quality education, and we need to support our nation’s teachers for the work
they do within and outside the classroom. If we honored our teachers a little
more like soldiers and paid them a little more like doctors, this country would
be a better place.”
To ensure that every child has access to a quality education
and support our nation’s teaching workforce, Pete’s plan
Provide affordable, universal full-day child care and
pre-K for all children, from infancy to age 5, serving more than 20 million
children, with a landmark $700 billion investment.
Triple funding for Title I schools to invest in a
truly equitable public education system, no matter a child’s zip code, race, or
Establish the Education Access Corps to prepare and
retain future educators to teach in Title I schools.
Ban for-profit charter schools and ensure equal
accountability for public charter schools.
Support strong unions for educators and staff and raise
wages for early childhood educators.
Reinstate Obama-era guidance to address discipline
disparities in early education as well as K-12, and invest in successful
district-level solutions that reduce the use of exclusionary discipline that
targets Black and Latino students.
Expand mental health services in schools for students
Give every child access to after-school programs and
summer learning opportunities.
Read Pete’s full plan to ensure that America upholds its
promise to students and teachers HERE.