Senator Elizabeth Warren, one of the two giants in the progressive wing of the Democratic party who ended their presidential campaigns, like Senator Bernie Sanders just days before, officially endorsed Vice President Joe Biden for president in a message to her supporters writing, “Joe Biden is a selfless public servant. He’s committed to the fight for social, racial, and economic justice. And he will lead a government that works for the American people.”
She stated, “Empathy matters. And, in this moment of crisis, it’s more important than ever that the next president restores America’s faith in good, effective government.
“Joe Biden has spent nearly his entire life in public service. He knows that a government run with integrity, competence, and heart will save lives and save livelihoods. And we can’t afford to let Donald Trump continue to endanger the lives and livelihoods of every American.
“Now, when Donald Trump is gone, we will need to do more than heal a nation that has been bitterly divided. We will need to rebuild and transform our country.
“And I’ve seen Joe Biden help a nation rebuild.
“In 2009, President Obama put him in charge of leading the implementation of the historic Recovery Act to help our economy and help working families.
“During the recovery, and later when I worked at the White House setting up the Consumer Financial Protection Bureau, I saw him up close, doing the work, getting in the weeds -— never forgetting who we were all there to serve.”
Vice President Biden, acknowledging Warren’s call for structural change, responded, “It’s an endorsement that I am grateful for — and one I don’t take lightly. Her courage, tenacity, and persistence shed a light on some of the most important issues facing our country — and has made a real difference in people’s lives. The plans — and the people who organized for them — changed this race, the conversation, our party, and the country.
You know, primaries can often put a magnifying glass on small differences and bury broad consensus. Elizabeth and I believe at our cores Wall Street didn’t build this country, the middle class did. And it’s time our government worked harder for the middle class, but to do that we can demand nothing less than ‘big, structural change.’
When I say ‘winning a battle for the soul of our nation’ people often misunderstand me,” Biden stated. “I’m not being nostalgic. I’m not trying to take us back to a country that never existed. The foundational principles of our country — that all men are created equal — are ones that we’ve never lived up to. But we’ve never given up trying to live up to them.
“America wasn’t built by Wall Street. It was forged by working people — strivers, looking for their chance to get ahead. People like you, doing the work to make our country a better place.
“It is not enough to ‘go back’ to anything. We have to take immediate, bold action to tackle the climate crisis (and if you don’t know, I wrote one of the first bills on climate change). We have to relieve a generation of the crushing burden of student debt. We have to make health care a right and not a privilege. And to get there, we’re going to need millions of grassroots supporters to take action right away.
“If you join our campaign, we will not just defeat Donald Trump. We will not just win the battle for the soul of our nation. We will transform it too.”
In a formal statement, Biden said, “Throughout this primary, there was no competitor more passionate in her convictions or sharper in her arguments than Senator Elizabeth Warren. Her voice made the debate stage, the Democratic Party, and every candidate competing against her better and stronger. By centering her campaign in the importance of ideas and comprehensive policy plans, she helped set a high-water mark for what our politics can be at their best — authentic and service-oriented, focused on how we can deliver the most help to the most people. And I’ve been proud to work with her over the past few weeks to identify and adopt important policy proposals that will strengthen us as a people.
“At a moment of crisis for our nation, Senator Warren’s ideas will be more important than ever as we chart a path forward. The cracks in our economy that have left so many Americans exposed and vulnerable were there before the pandemic, and now they are laid bare for all to see just how dangerous they are. We know how much work it will take to come through this crisis, and I am proud to have Senator Warren in my corner for the fight ahead — not just as we work to defeat Donald Trump in November, but in the years to come, as we push through a bold and progressive policy agenda for the American people.
“Senator Warren knows what’s possible when leaders put their own egos aside and do the work. And thanks to her integrity and determination, today there are millions of little girls and young women who know that their voices can command any stage and change the world for the better. Generations of women will be inspired to get involved in public life — to dream big and fight hard — because of Elizabeth.”
In addition to Senator Warren’s endorsement, Vice President Biden also picked up endorsements from Senators Debbie Stabenow and Gary Peters of Michigan and Tammy Baldwin of Wisconsin.
In contrast with the disjointed, chaotic,
ineffective, politicized handling to stem the coronavirus pandemic offered by
the Trump Administration still more concerned about the stock market than lives
(Trump suggested a new benchmark, that since as many as 65,000 people die each
year from seasonal flu – “Who knew? I find that amazing” – that anything less
would be considered victory), every Democratic candidate to replace Trump has
demonstrated more effective leadership. Trump has honed in on pushing the
Federal Reserve to lower interest rates, and for further tax cuts which will do
nothing to address the actual global economic impacts of a pandemic – curtailed
production and consumer demand as well as general business uncertainty – Senator Elizabeth Warren released her plan to
take decisive action to both keep American families healthy and stabilize the
economy. This is from the Warren campaign:
Charlestown, MA – Today, Elizabeth Warren
released her plan to take decisive action to keep American families healthy and
stabilize our economy as the virus spreads.
Elizabeth Warren’s plan will:
Ensure that every American — including the millions of
Americans who are uninsured — can get all recommended evaluation and care for
coronavirus for free, including any recommended coronavirus vaccine once it is
Create an emergency paid leave program so that anyone who
meets the CDC’s description of relevant symptoms of coronavirus or is exposed
and placed under quarantine can get fully paid time off of work to consult a
doctor and recover—or provide care to a family member or other dependent who
Enact at least a $400 billion fiscal stimulus package to
head off the potential economic impact of coronavirus.
Elizabeth discussed these
concrete solutions to the coming economic shocks of coronavirus at a town hall
in Houston over the weekend. The plan released today builds on her
comprehensive plan to prevent, contain, and treat infectious diseases outbreaks
like coronavirus she released more than four weeks
ago — before any of the other candidates, or the incumbent in
the White House.
Protecting our People and our Economy from Coronavirus
Coronavirus is a public health emergency and a serious threat to the American
economy. While it’s important that our leaders communicate calmly and clearly
about the situation to avoid unnecessary panic, it’s just as important that we
take decisive action to keep American families healthy and stabilize our
economy as the virus spreads.
I rang the warning bells for years
before the 2008 crisis. Quicker action during the Bush
Administration could have reduced the severity of the crisis — or averted it
entirely. While we still don’t know the full scope of the public health and
economic impact of coronavirus, and even further actions may be necessary in
upcoming months, we should take the following steps right now to limit the
spread of the virus and get ahead of its economic impact:
Ensure that every American — including the millions of
Americans who are uninsured — can get all recommended evaluation and care for
coronavirus for free, including any recommended coronavirus vaccine once it is
Create an emergency paid leave program so that anyone
presenting with the symptoms of coronavirus, or who has a family member or
other dependent presenting with the symptoms of coronavirus, can get fully paid
time off of work to see a doctor, get treatment, or provide care.
Enact at least a $400 billion fiscal stimulus package to
head off the potential economic impact of coronavirus.
Ensuring Every American Can Get Free Care for Coronavirus
Medicare for All will prevent this kind of problem in the future. But in the short term, facing a potential outbreak, we must ensure that every person in this country can talk to a doctor if they think they might have coronavirus—and get the recommended testing and care they need if they do.
Our response must ensure that every person in this country can get recommended evaluation, diagnosis, and treatment for coronavirus for free. Congress should dedicate sufficient funding to reimburse health care providers and hospitals for uncompensated care relating to coronavirus. This fund should also be large enough to cover the costs of government mandated quarantines or isolation for patients who cannot afford any bills that it may generate. Congress should also require that insurers fully cover all recommended care for coronavirus, including appropriate evaluation, diagnostic testing, and treatment.
What does my plan mean for you? It means that you could get all recommended medical advice and care for coronavirus for free—regardless of whether you have hit your deductible, whether you’re on Medicare or Medicaid, or have no insurance at all.
Ensuring Hospital and Health System Capacity. Because of the way coronavirus spreads, many more people will be exposed to it than we saw with Zika or Ebola. That means our health system will see a surge in demand for basic primary care and diagnostic screenings in the midst of an already brutal flu season that has stretched hospitals’ capacity. To address the likely increase in people seeking medical evaluation and treatment for coronavirus, Congress should provide a temporary surge in funding for Federally Qualified Health Centers, Community Health Centers, Rural Health Clinics, and safety-net hospitals to increase their capacity.
Ensuring Access to Vaccines and Other Medical Countermeasures. We must increase federal investment in developing a coronavirus vaccine and ensure that every person who needs the vaccine can get it at no personal cost. As we did during the outbreak of H1N1 (the “swine flu”), the government should guarantee that it will purchase a bulk quantity of the eventual vaccine for coronavirus. This will create an incentive for the private sector to develop it quickly and ensure manufacturers of sufficient demand.
We must also ensure — either under existing laws or through new congressional action — that health insurance companies and federal health programs cover any recommended coronavirus vaccine with no cost sharing, similar to the H1N1 vaccines from 2009. The government can also distribute the vaccines to vulnerable populations and provide them for free to the uninsured. In the event that a private sector manufacturer wants to charge an outrageous price for the vaccine once it is developed, the government should contract for its manufacture or invoke compulsory licensing as I have called for in other drug pricing contexts, and as the government threatened to do during the 2001 anthrax scare.
Together, these actions will ensure that every American can get the vital medical advice and care they need for coronavirus for free. That is not only the moral thing to do, it limits the spread of the disease and keeps us all safer.
Guaranteeing Every American Fully Paid Emergency Leave for Coronavirus Testing and Recovery
America’s shameful lack of national paid leave and sick days will worsen the spread of coronavirus. People who feel sick will go into work anyway, afraid of losing their jobs or the pay they badly need. Parents may feel compelled to work even as their kids or their elderly relatives might need medical attention. Research shows that mandated paid leave and sick days dramatically reduce the spread of diseases.
Congress must act to pass Senator Gillibrand’s FAMILY Act, which would provide up to twelve weeks per year of paid leave to all workers to care for themselves and their loved ones in case of serious medical issues or the welcoming of a new child. As President, I will fight to make this policy the law. But in the face of a public health crisis, we can’t wait — and should immediately make cash assistance available to people who need time off because of coronavirus through an “emergency paid leave” program.
Here’s how it would work:
Anyone who meets the CDC’s description of relevant symptoms
or is exposed and placed under quarantine — or has a family member or other
dependent who meets that description — will be eligible for emergency paid
leave to take time off to follow CDC’s recommended course of action, which may
include self-isolation, evaluation and testing, or treatment.
Emergency paid leave will be available pursuant to CDC’s
guidelines about the appropriate length of recovery and quarantine or isolation
time for those who contract or are exposed to coronavirus. If a family
caretaker is also required during this period, that person will also be
eligible for emergency paid leave.
Anyone eligible for the program will receive emergency paid
leave that fully replaces their actual wage income — up to a cap set at the
99th wage percentile.
My emergency paid leave program will accomplish two critical
goals. First, it will give people the financial peace of mind to take time off
to stay home and recover or care for a loved one who has the symptoms of
coronavirus or has been exposed to it. That will help limit the spread of the
disease. Second, providing access to paid leave benefits funded by the
government rather than by employers during this health crisis will help
stabilize businesses, who will be relieved of the burden of potentially paying
large shares of their workforce for long absences.
Enacting At Least a $400 Billion Stimulus to Head Off the Projected Economic
Effects of Coronavirus, and Announcing a Federal Reserve Emergency Lending
Based on those factors and the range of projections for the economic impact
of coronavirus, we should immediately enact a stimulus package that represents
an authorization of at least 2% of GDP, or roughly $400 billion.
The stimulus should focus on the following categories of spending:
Low or no-interest loans to companies of all sizes that are
negatively affected by supply chain disruptions, reductions in tourism, or
other temporary coronavirus-related impacts, and that will use the funds to
avoid layoffs and hours reductions, not for additional executive compensation,
dividends, or share buybacks.
Unemployment insurance and other direct payments to
households — with exact amounts tied to unemployment levels and wage growth.
Other aid to state and local governments that may be losing
revenue because of coronavirus, in order to minimize reductions in services for
Jump starting our ability to make our own active
pharmaceutical ingredients and their base components by establishing a strategy
to support domestic manufacturers—with the ultimate goal of requiring all
federal agencies that procure or reimburse for drugs (like the DOD, VA, and
Medicare) to preference drugs with American-made ingredients. My legislation to
allow the government to manufacture drugs would provide a strong foundation for
Green infrastructure investments, like domestically produced
clean energy, that can be accomplished even with the supply chain disruptions
that are likely to exist with a widespread coronavirus outbreak.
In addition, whether the Federal Reserve Board chooses to cut interest rates or not, itshould announce as soon as possible — and no later than the markets opening on Monday — that it stands ready to use its emergency lending authority to create a broad-based emergency lending facility program to help real economy companies whose supply chains have been disrupted because of the coronavirus and who will use the money to do right by their workforce.
Companies across America are already struggling with supply chain disruptions, and we don’t want these temporary struggles to lead to widespread layoffs or for otherwise solid companies to go under. While Congress should deliver the stimulus package I described above to help these types of companies, an immediate announcement from the Fed of this type of program will give companies — and markets — confidence that the Fed is available as a lender of last resort if Congress fails to deliver, and could help avert a more severe downturn.
Capitalists are actually much more responsive to the public will than lawmakers – which may not be saying much. But as the United Nations Climate Summit demonstrated, corporations and the financial institutions that fund them are becoming more conscious of climate change. Even former Treasury Secretary Henry Paulson has become an advocate for climate action. More investors are factoring in the cost of climate disasters as well as the change to agriculture, human productivity and health, availability of resources including potable water. Still, corporations that are wedded to the status quo and an economy and society oriented around fossil fuels and intense carbon emissions, that don’t respect air and water quality, need a nudge. Senator Elizabeth Warren, running for president, has just released a plan to stop Wall Street from financing the climate crisis.
“Climate change poses a systemic risk to the health and stability of our financial system,” Senator Warren stated. “And yet, Wall Street is refusing to listen, let alone take real action. My plan to Stop Wall Street From Financing the Climate Crisis is just the first step to ensuring our financial system is ensured against the worst effects of climate change and Wall Street stops financing the climate crisis.“
This is from the Warren campaign:
Charlestown, MA – Senator Elizabeth Warren released her
plan to stop Wall Street from financing the climate crisis. Elizabeth’s plan
will limit and manage the risk that climate change poses to our economy by
reining in Wall Street and ensuring our banks, asset managers, and insurers pay
the true cost of climate change, instead of passing it on to millions of
Elizabeth rang the alarm in
the lead up to the 2008 financial crisis. She is sounding the alarm on Wall
Street once again as we face the existential threat of our time: climate
change. It’s clear that our entire financial system is in major
danger from the climate crisis. And yet, neither the largest U.S. financial
institutions, nor the public watchdogs that
are supposed to hold them accountable, have taken adequate steps to address
Wall Street’s role in exacerbating the crisis.
As President, Elizabeth Warren will:
Direct the Federal Reserve to invoke its authority under Section 165 of
Dodd-Frank to impose “enhanced prudential standards” –– things like
higher capital standards, or tougher stress testing –– on large
financial institutions based on their exposure to climate-related risks.
Treat climate change as the systemic risk to our financial system that
it is and use existing financial regulations to push the Financial Stability
Oversight Council (FSOC) to carefully examine the risks posed by climate change
and use its authority to designate financial institutions as
“systemically important” if appropriate.
Go beyond her Climate Risk Disclosure Plan by strengthening
SEC rules that govern the climate change expertise in the composition
of boards of directors, as well as in shareholder representation and disclosure
in proxy voting.
Elizabeth will also require U.S. banks to report annually how much
fossil fuel equity and debt is created, and/or held as assets, with respect to
all fossil fuel extraction and infrastructure.
Fight for pensions by pushing the Securities and Exchange
Commission and Department of Labor –– the two government bodies charged with
regulating pensions –– to declare carbon-intensive investments not consistent
with a fund manager’s fiduciary duty to its clients.
Hold insurance companies accountable for the risk they’re
spreading through the financial system — and through vulnerable communities —
by working with Congress to make large insurance companies doing business in
the U.S. disclose the size of the premiums they’re deriving from coal, oil and
gas projects, associated infrastructure, and companies.
Elizabeth will also investigate insurers who talk out of both sides of
their mouth when they deny coverage to policyholders under
the guise of too much climate risk, while simultaneously insuring fossil fuel
Transition us away from Donald Trump’s climate-denying
administration at a speed unmatched by any transition in modern
history. As part of that transition, she will announce her choices for Cabinet,
including a Treasury Secretary who understands the financial risks of the
climate crisis, by December 1, 2020. And she will staff all senior and mid-level
White House positions, like financial regulators, by Inauguration Day.
Requiring implementation of the Paris Climate accord and the
elimination of fossil fuel subsidies as preconditions for any trade
Dedicating $100 billion to helping other countries purchase and deploy
American-made clean energy technology that is manufactured right here at home
under the Green Marshall Plan.
Ending all American support for international oil and gas projects
through the Export-Import Bank and the Overseas Private Investment
Committing to using America’s voting power in the World Bank and other
global financial institutions to cut off investment in fossil fuel projects and
to direct that investment into clean energy projects instead.
Stop Wall Street from Financing the Climate Crisis
I’ve spent most of my career getting to the bottom of what’s happening to
working families in America. And when I saw the seeds of the 2008 financial
crisis growing, I rang the alarm as
loud as I could. But the people with the power to stop the crisis didn’t listen
— not enough of them anyway. Not the banks, not Alan Greenspan or other federal
regulators, not Congress. And when the financial crisis hit in 2008, working
families lost it all while the big banks that broke the economy got a fat
And once again, as we face the existential threat of our time –– climate
change –– Wall Street is refusing to listen, let alone take real action.
It’s clear that our entire financial system is in major danger from the climate
crisis. And yet, neither the largest U.S. financial institutions, nor the public watchdogs that
are supposed to hold them accountable, have taken adequate steps to address
Wall Street’s role in exacerbating the crisis. In fact, many of the largest banks and assetmanagers have
actually increased their holdings of fossil fuel assets since
the Paris Agreement was signed. And in the two years immediately after the
Paris Agreement was adopted, the six largest U.S. bank investors in fossil
fuels companies loaned, underwrote, or otherwise financed over $700 billion for fossil fuel
companies. Wall Street banks are making a quick buck accelerating
climate change, all while communities across the country are suffering from the lasting impacts
of industrial pollution and the increasingly devastating
effects of climate change.
There has been some movement by big financial firms. A recently leaked report from J.P. Morgan —
the world’s largest financial backer of fossil fuel companies — stated that
the climate crisis could lead to “catastrophic outcomes where human life as we
know it is threatened.” Late last year, Goldman Sachs announced that
it will spend $750 billion over ten years on sustainable finance projects,
restrict financing to all new oil production and exploration in the Arctic, and
impose stricter lending requirements for coal companies. And in a letter to
investors earlier this year, Blackrock –– the world’s largest asset manager ––
announced that it will exit investments with high
environmental risk, like thermal coal, and launch new investment
products that screen for fossil fuels. While these actions are a small step in
the right direction, they are long overdue given the relative impact the
financial industry has had on the climate crisis — and they’re not enough to
protect us from a climate-fueled financial collapse, either.
We will not defeat the climate crisis if we have to wait for the financial
industry to self-regulate or come forward with piecemeal voluntary commitments.
Winning a Green New Deal and achieving 100% clean energy for our global economy
–– or enacting any of my 13 plans to defeat the climate
crisis –– will be near impossible so long as large financial
institutions are allowed to freely underwrite investments in dirty fossil
This ends when I am president. A Warren administration will act
decisively and swiftly to manage the risk that climate change poses to our
economy by reining in Wall Street and ensuring our banks, asset managers, and
insurers pay the true cost of climate change instead of passing it on to
millions of Americans. We can make the financial system work for good
as we transition to 100% clean energy, but first, we have to change the way
Wall Street is currently doing business.
Use existing financial regulations to tackle climate change because it is
a systemic risk to our financial system
Foreign financial regulators understand that the climate crisis poses serious
risks to the financial system. European regulators are warning of a “green swan” event that
could trigger a climate change-driven financial crisis. The Governor of the
Bank of England, Mark Carney, and the Governor of the Banque de France,
François Villeroy warned that climate change poses a
“catastrophic effect” to the global economy that could lead to
“a sudden collapse in asset prices” similar to the to the 2008 financial
crisis, and has urged central banks, such as the Federal Reserve Board, to play
a much larger role in tackling the crisis.
I am sounding the alarm on Wall Street once again –– just as I did in
the lead up to the 2008 financial crash.
The Dodd–Frank Wall Street Reform and Consumer Protection Act was our country’s
response to the 2008 crisis. It included tools that our federal regulators
could use to protect the safety and soundness of our financial
system. Regulators should use those tools now to address the systemic risk that
climate change poses.
Specifically, the Financial Stability Oversight Council (FSOC) –– a body
created by Dodd-Frank to bring together heads of financial regulatory agencies
to assess threats across jurisdictions and markets –– should carefully examine
the risks posed by climate change and use its authority to designate financial
institutions as “systemically important” if appropriate. And the Federal
Reserve should invoke its authority under Section 165 of Dodd-Frank to impose
“enhanced prudential standards” –– things like higher capital standards and
margin requirement, or tougher stress testing –– on large financial
institutions based on their climate-related risks.
By using the authorities Congress has already given them, federal regulators
can mitigate the climate-related risk in our financial system and help accelerate
the transition towards a clean energy economy.
Increase corporate accountability through the Securities & Exchange
That’s a problem in two ways. First, there are a lot of companies that could be
badly hurt by the likely environmental effects of climate change, and their
financial implications such as stranded assets, and supply-chain risk. We’ve
already seen how record storms, flooding, and wildfires can cause billions of dollars in damage.
Second, global efforts to combat climate change will have an enormous impact on
certain types of companies, particularly those in the energy sector. The Task
Force on Climate-related Financial Disclosures found that reductions in greenhouse
gas emissions and increasingly affordable deployment of clean
energy technology could have “significant, near-term financial implications”
for Big Oil and fossil fuel companies.
My Climate Risk Disclosure plan addresses
these problems by requiring companies to publicly disclose both of these types
of climate-related risks. It directs the Securities and Exchange Commission
(SEC) to issue rules that make every public company disclose detailed
information, including the likely effect on the company if climate change
continues at its current pace and the likely effect on the company if the world
successfully restricts greenhouse gas emissions to meet the targets of the
Paris Agreement. My plan also requires the SEC to tailor these disclosure
requirements for specific industries so that, for instance, fossil fuel
companies will have to make even more detailed disclosures.
But disclosure is just the first step. There is more the SEC can do to ensure
companies are more accurately accounting for climate risk, which is why a
Warren administration will go further by strengthening SEC rules that govern
the climate change expertise in the composition of boards of directors, as well
as in shareholder representation and disclosure in proxy voting. My
administration will also require U.S. banks to report annually how much fossil
fuel equity and debt is created, and/or held as assets, with respect to all
fossil fuel extraction and infrastructure. And a Warren administration will
work with the SEC Office of Credit Ratings to direct credit rating agencies to
impose process standards — like climate due diligences — that incorporate the
physical and financial risks that climate change presents to securities and
other financial assets, as well as to the companies that issue them.
For the millions of public school teachers, firefighters, police officers, and
other state and federal public employees who spend their careers in service to
our government, pension funds provide a shot at a decent retirement. Most
simply, pensions are deferred wages for our public employees. And yet
today, our pension systems are failing our public employees.
That’s in part because they are invested in fossil fuels –– leaving
all the risk of fossil fuel investments in hard working Americans’ retirement
One recent analysis found
that pension funds would be significantly more successful without risky fossil
investments. California’s $238 billion state teachers retirement fund CalSTRS
–– which serves nearly a million public school teachers –– would have earned an
additional $5.5 billion over ten years without its fossil fuel investments. And
Colorado’s state pension fund PERA –– which serves 600,000 current and former
teachers, state troopers, corrections officers, and other public employees ––
would have earned almost $2 billion more in value. This matters for
hard-working pension-holders: investments in fossil fuels over the last 10
years have lost many of California’s public school teachers $5,572 each, and
cost many of Colorado’s public employees $2,900 each. And yet, despite calls
from environmentalists to divest from fossil fuels, in January of this
year CalSTRS rejected divestment,
claiming it would have a “lasting negative impact on the
health of the fund.”
As president, I will fight for every person’s pension, because every
American deserves the right to retire with dignity after spending their career
in service of our local, state and federal government. A Warren
administration would explicitly state policy preferences for limiting climate
risk, beginning with divestment from fossil fuels and prioritizing investments
in environmental, social and governance (ESG) options. And I would go further
by pushing the Securities and Exchange Commission and Department of Labor ––
the two government bodies charged with regulating pensions –– to declare
carbon-intensive investments not consistent with a fund manager’s fiduciary
duty to its clients.
And, as a matter of justice, we should tighten bankruptcy laws to prevent coal
and other fossil fuel companies from evading their responsibility to their
workers and to the communities that they have helped to pollute. In the
Senate, I have fought to improve the
standing of coal worker pensions and benefits in bankruptcy ––
and as president, I will work with Congress to pass legislation to make these
changes a reality.
Instead of halting the effects of climate change, insurers are passing on
the high prices to consumers — or foregoing offering protection to vulnerable
Americans altogether. In some places, insurance companies are pulling
out of areas entirely, leaving consumers exposed. For example, the number of
new and renewed homeowners’ insurance policies fell by 8,700 in
California counties at greatest risk for wildfires. But some insurance
providers will still write policies in vulnerable areas, ratcheting up the monthly prices
consumers pay to counterbalance their increased risk. Premiums
rose in every single state in the nation over the past decade, with states
in tornado alley experiencing the
highest jumps by an average of over $500. And private companies
are taking advantage of the price increases: the number of private flood
insurers has more than doubled since 2016, and they’ve taken in an additional half
a billion in premiums since the prior year.
It’s time to hold insurance companies accountable for the risk they’re
spreading through the financial system — and through vulnerable
communities. I’ll work with Congress to make large insurance companies
doing business in the U.S. disclose the size of the premiums they’re deriving
from coal, oil and gas projects, associated infrastructure, and companies. I’ll
investigate insurers who talk out of both sides of their mouth when they deny coverage to policyholders under
the guise of too much climate risk, while simultaneously insuring fossil fuel
projects. I’ll push the SEC to require insurance companies to show that they
have evaluated climate-related risks in their underwriting processes and in
their reserves. I will reform the National Flood Insurance Program by making it
easier for existing residents to move out of flood-prone properties – both
inland and coastal – including a program to buy back those properties from
low-income homeowners at market value. And within my first term I will ensure
the Federal Emergency Management Agency’s flood maps are fully updated, so that
we can raise the standard for new construction through the Federal Flood Risk
Personnel is Policy
At the World Economic Forum in Davos last month, economic leaders from across
the world highlighted the vital need to include climate risks in
economic analysis. But Treasury Secretary Steve Mnuchin found himself in a
minority of one, arguing that costs were being overestimated when
considering the impacts of climate change. Either he’s uninformed or he’s
lying: study after study shows that we
are drastically underestimating the cost of the climate
I have often said that personnel is policy. The
regulators in charge of protecting the American people need to understand the
risk that the climate crisis poses to our entire financial system — and the
millions whose livelihoods depend on it. That’s why I will appoint at every
level of the system financial regulators committed to holding financial
institutions accountable for climate risk. Here’s what that means:
I will appoint a Treasury Secretary who — unlike Steven Mnuchin —
believes in the power of markets to help defeat the climate crisis: because
right now, research in both of those fields shows
how vital it is that we expose the climate risk.
I’ll appoint financial regulators — including Federal Reserve
governors, Commodity Futures Trading Commission commissioners, and leadership
of every other agency represented on the Financial Stability Oversight Council
— who understand the clear threat climate change poses to our financial system
and who implement policy that addresses financial institutions’ exposure to
climate risks and hold them accountable to addressing.
I’ve already pledged to appoint an SEC
chair who will use all existing tools to require robust
disclosure of climate-related risks. I’ll also appoint SEC commissioners who
will manage the threat climate change poses to the economy by pushing for
corporate disclosure of climate risk and a shift of finances away from fossil
The size and the scope of the risk that climate poses to our financial
system requires immediate action. I’ve committed to transitioning us
away from Donald Trump’s climate-denying administration at a speed unmatched by
any transition in modern history, so that we can begin tackling the urgent
challenges ahead on Day One. As part of that transition, I will
announce my choices for Cabinet, including a Treasury Secretary who understands
the financial risks of the climate crisis, by December 1, 2020. And I’ll staff
all senior and mid-level White House positions, like financial regulators, by Inauguration
Day — so that we can begin de-risking our financial system from the moment I’m
Work with international allies
One of the next catastrophic global financial crises may well be caused by the growing
climate crisis. The 2008 recession proved how financial crises are
no longer isolated: their impact echoes across countries. That’s why addressing
the financial risks of the climate crisis is an international issue. But
the United States isn’t just lagging behind other countries on addressing the
climate risk: right now, we’re not even in the same league.
A Warren Administration will work with international allies to build a more
resilient financial and environmental future for our planet. And I’ll use every
tool in the box to build that world. As President I’ll advocate for the Federal
Reserve to join the global coalition of central banks known as the Network on Greening the Financial
System. As we transition to a 100% clean energy economy, the United
States should be a leader on the global stage, and having a seat at the table
is the first step. As part of my New Approach to Trade, I
will require implementation of the Paris Climate accord and the elimination of
fossil fuel subsidies as preconditions for any trade agreement. My Green
Marshall Plan will dedicate $100 billion to helping other countries purchase
and deploy American-made clean energy technology that is manufactured right
here at home. And we should end all American support for international oil and
gas projects through the Export-Import Bank and the Overseas Private Investment
Corporation. We should also commit to using America’s voting power in the World
Bank and other global financial institutions to cut off investment in fossil
fuel projects and to direct that investment into clean energy projects instead.
Our efforts should be dedicated to accelerating the global transition to clean
The vigorous contest of Democrats running for president has produced excellent policy proposals to address major issues. Senator Elizabeth Warren released her plan for Justice for Border Communities – a stark contrast to what Trump has done to punish asylum seekers, separating children from their parents, and most recently, using the coronavirus pandemic to raise the prospect of shutting the border to Mexico entirely.
“Our border region is made up of multinational, multicultural, economically vibrant communities that reflect the best of what our country can be. From affordable housing to investing in small businesses to stopping Trump’s monument to hate, we can make big, structural change to promote accountability, opportunity, and prosperity at the border,” Senator Warren stated.
This is from the Warren campaign:
Charlestown, MA – Senator Elizabeth Warren, running for president, released her plan to ensure accountability in our border communities by rolling back the Trump administration’s incessant militarization, immediately stopping the construction of Trump’s wall on the border between Mexico and the United States, creating a fair and welcoming immigration system, and respecting the rights of people and our fragile border ecosystem.
She will also work to build a 21st century border economy by boosting small businesses, growing access to financial services, closing the digital divide, uplifting labor and environmental protections through trade, and developing the green workforce of the future.
Some new proposals in her plan include:
In her first 100 days, she will convene a borderlands
summit, bringing together federal, state, and local representatives, Tribal
Nations, members of the business community, community organizations and
stakeholders to undo the harm of the Trump administration and create more
prosperity in the region.
She will create a new position in the White House that
serves as an advisor to the president on border communities. This person will
direct an Interagency Task Force on Border Community Prosperity and coordinate
the entire federal government’s investment in our border communities.
She will end Trump’s deployment of military forces to the
Despite the immediate public health threat, the Trump
administration is demanding that we cut spending elsewhere to pay for emergency
funding we need to prepare for and respond to coronavirus — so she is
introducing a bill in the Senate to redirect funding diverted to the wall
toward coronavirus instead.
She will end Constitution-Free Zones: She will hold
immigration enforcement to the same due process and standards as other law
enforcement agencies — no more warrantless property searches, no more
arbitrary stops, no more violations of basic Constitutional rights.
She will reverse the Trump administration’s policy giving
Border Patrol agents the power to make “credible fear” determinations for
asylum-seekers rather than asylum officers.
She will invest resources in more culturally competent asylum
officers and immigration judges and better coordinate a full federal government
response to the humanitarian crisis at the border, just like we would with FEMA
under a natural disaster.
She will pardon those convicted of providing food and water
to migrants — because no one should go to jail simply for providing
humanitarian aid to another person in need.
She will create a Border Health Initiative within the
Federal Office of Rural Health Policy to focus on strengthening these health
institutions in ways that serve the unique needs of this region and its people.
She will build a 21st century border economy by investing in
our ports of entry.
The campaign recently did a Texas Latino Engagement tour —
and listened and learned from hundreds of Latino, Latina, and Latinx people in
San Antonio, Laredo, McAllen, Corpus Christi, and Houston.
Elizabeth will be in San
Antonio with former Secretary of HUD Julián Castro today.
But the challenges at the border did not start with Donald Trump’s ignorance
and bigotry. For decades, decisions made in Washington have divided and
disrupted communities, cities, Tribal Nations, and families — many of whom
have lived along what is now the border for longer than the United States has
The 15 million residents living
in our Southern borderlands — from Brownsville, Texas to San Diego, California
— deserve a champion and a partner in the White House. Building an
America that reflects our values means elevating the voices of those who have
traditionally been overlooked and underserved. We’ve got to make sure everyone
has a seat at the table, and that includes border communities and immigrant
advocacy groups. In my first 100 days, I will convene a borderlands summit,
bringing together federal, state, and local representatives, Tribal Nations,
members of the business community, community organizations, and stakeholders to
undo the harm of the Trump administration and create more prosperity in the
region. I will also create a new position in the White House that serves as an
advisor to the president on border communities. This person will direct an
Interagency Task Force on Border Community Prosperity and coordinate the entire
federal government’s investment in our border communities.
A Warren administration will ensure accountability in our border
communities by rolling back the Trump administration’s incessant
militarization of the border, creating a fair and welcoming immigration system,
and respecting the rights of people and our fragile border ecosystem. I’ll
fight for healthy and safe border communities with affordable housing,
high-quality education, health care, and economic opportunities. And together,
we’ll build a 21st century border economy by boosting small
businesses, growing access to financial services, closing the digital divide,
uplifting labor and environmental protections through trade, and developing the
green workforce of the future.
Accountability in Border Communities
We need a federal government that’s accountable to our border
communities. That means an immigration system that keeps families
together, preserves our security, grows our economy, honors our Constitution,
and reflects our values. That also means an approach to national security that
respects the rights of people and our fragile border ecosystems. As president,
my administration will:
Welcome those in need and protect rights and due process. My immigration plan commits
to decriminalizing migration, significantly reducing detention and ending
private detention facilities, providing rights and due process for all
immigrants, reaffirming asylum protections for those fleeing violence, and
ending policies like metering and the “Remain in Mexico” policy. As president,
I’ll also reverse the Trump administration’s policy giving Border Patrol agents
the power to make “credible fear” determinations for asylum-seekers rather than
asylum officers. A Warren administration will invest resources in more
culturally competent asylum officers and immigration judges and better
coordinate a full federal government response to the humanitarian crisis at the
border, just like we would with FEMA during a natural disaster. And I’ll pardon
those convicted of providing food and water to migrants — because no
one should go to jail simply for providing humanitarian aid to another person
Remake CBP and ICE in a way that reflects our values. We
spend billions of dollars each year on a
massive and cruel immigration detention and enforcement system that
breaks up families and keeps thousands locked up — with little evidence that it makes
our nation safer.A Warren
administration will reshape CBP and ICE from top to bottom, reducing
funding for detention and instead focusing their efforts on ports of entry and
homeland security efforts like screening cargo, identifying counterfeit goods,
and preventing smuggling and trafficking. And to change the culture, I’ll
insist on transparency and strengthen the authorities of independent internal
watchdogs to prevent future abuses. I’ll designate a Justice Department task
force to investigate accusations of serious violations, and give it independent
authority to pursue any substantiated criminal allegations.
The Supreme Court ruling that a family can’t seek damages after
their son was killed by a border patrol agent because he was on
the Mexican side of the border when the agent shot him shows us that our system
of accountability is broken. In spite of the Supreme Court’s decision, a few
steps to one side of the border or another should not serve to forfeit basic
rights. As president, I’ll work to reverse the decision legislatively in order
to ensure accountability for victims of border patrol violence — regardless of
the side of the border. Furthermore, I support requiring Customs and Border
Patrol (CBP) agents to wear body cameras, a best practice in local law
enforcement that reduces use-of-force incidents and increases transparency.
And as new technology is deployed, a Warren administration will monitor
violations of privacy and limit the use of facial-recognition software. Let
there be no ambiguity on this: if you are violating the basic rights of
immigrants, now or in the future, a Warren administration will hold you
Stop Trump’s Militarization of the Border. Despite Trump’s
rhetoric, the people seeking asylum at the southern border are not a threat to
our national security. And Trump’s wall is a monument to hate — and only the
latest attempt to treat the southern border as a war zone rather than as a
vibrant community. Many of the apprehensions at the border are families and
children who commonly turn themselves in to
Border Patrol to apply for asylum. This is a humanitarian
crisis in need of medical doctors, immigration lawyers, and social workers —
not military troops. As president, I will end Trump’s deployment of
military forces to the border. I’ve listened to communities at the border when
they say we do not need Trump’s failed wall, and I will immediately stop the
construction of Trump’s wall on the border between Mexico and the United
States. I will also work to repeal the sections of law that allow the federal government to
waive federal procurement rules or environmental impact reviews.
Despite the immediate public health threat, the Trump administration is demanding
that we cut spending elsewhere to pay for emergency funding we need to prepare
for and respond to coronavirus — so I am introducing a bill in the Senate to
redirect funding diverted to the wall toward coronavirus instead. We need to
get our priorities straight and focus on keeping the American people safe,
rather than funding some useless vanity project. Let’s be clear: our border
communities are not a war zone.
End Constitution-Free Zones. CBP has the authority to
operate within 100 miles of any “external boundary” — an area deep into
the interior of the country that covers about 200 million people, including
9 of the 10 largest U.S. cities. The Border Patrol operates numerous
immigration checkpoints and regularly stops people to check their immigration
status, raising concerns about racial profiling and violations of the
Constitution’s Fourth Amendment protections. During natural disasters and daily
life, immigrant families are afraid to travel freely in their own communities.
Citizens of Tribal Nations such as the Tohono O’odham Nation who have tribal ID cards face
unnecessary hurdles with border patrol checkpoints. Agents also have the authority to enter private property
(except dwellings) 25 miles from the border, which includes almost
all of El Paso. There is no reason Border Patrol agents should have special
access to private property without receiving a warrant from a judge just like
the rest of law enforcement. As president, I will hold immigration enforcement
to the same due process and standards as other law enforcement agencies — no
more warrantless property searches, no more arbitrary stops, no more violations
of basic Constitutional rights. It’s time to rein in CBP, and ensure everyone’s
rights are respected.
Root Out White Nationalism. We need to call out white
nationalism for what it is—domestic terrorism. It is a threat to
American safety and security. In a Warren administration, we will use every
tool we have to defeat it, and that includes from within our military, our law
enforcement, and our immigration enforcement agencies. To start, I will
instruct these federal agencies to tighten their background check processes and
to better track incidents of bias crimes and reports of affiliation with white
nationalist or neo-Nazi groups in their ranks. Extremist ideology is a threat
to our values, and it has no place inside our government. As part of my plan to
reshape ICE and CBP, I’ve said that I will strengthen the authorities of
independent internal watchdogs to prevent future abuses. This includes tasking
the Inspectors General at both agencies to focus explicitly on reports of bias
crimes or racism on the job. A Warren administration will have zero tolerance
for these types of infractions.
From the 1918 Porvenir massacre through
today, we must also recognize the long history of racist violence along
the U.S.-Mexico border. Tragically, we have seen how this horrific
history repeated itself just last August, when a white nationalist, directly
echoing the rhetoric of President Trump, drove hundreds of miles to commit an
act of terror against the people of El Paso. As I laid out in my plan to combat white nationalism,
combatting white nationalist crime will be a top priority for the Departments
of Justice and Homeland Security in a Warren administration. My administration
will also work with federal and local law enforcement to crack down on
dangerous anti-immigrant vigilante militias at the border, which often include members of hate groups or
individuals with a history of violence,
including against U.S. citizens.
Respect Tribal Sovereignty. My plan for public lands
includes aggressive steps to
stop private interests from pillaging sacred lands. I will use all legal
authorities, including the Native American Graves
Protection and Repatriation Act, to protect sacred sites like Organ
Pipe. And absent extraordinary circumstances, respect for tribal sovereignty
means that no project, development or federal decision that will have a
significant impact on a tribal community, their lands, resources, members or
religious practices, should proceed without the free, prior, and informed
consent of the Tribal Nation concerned. I have also called for a new Sacred Lands Religious
Freedom Restoration Act to dramatically improve the
ability of Tribal Nations to block the imposition of development, extraction,
and land use decisions with respect to tribal lands.
Fighting for Safe, Healthy, High-Quality Living on the Border
A generation of barely budging wages and rising costs for basics like housing,
health care, child care, and education have squeezed family budgets. Many
families living in communities at our borders are hanging on by their
A lack of affordable housing and decades of systemic discrimination has
driven hundreds of thousands of people,
predominantly U.S. citizens of Mexican-descent, in Texas, Arizona, New Mexico,
and California to live in neighborhoods, called colonias, without basic
necessities like potable water, electricity, and safe housing. Border
communities have uninsured rates that are much higher than the national average
and have some of the highest rates of chronic diseases like diabetes in the
country. In the colonias in Texas, over 50% of adults do not have a
high school diploma.
A Warren administration will:
Invest in safe and affordable housing for all. My Housing Plan for America invests
$500 billion over the next ten years to build, preserve, and rehab more than
three million units that will be affordable to lower-income families —
including $523 million to create 380,000 affordable rental homes in rural
communities and $2.5 billion to build or rehabilitate 200,000 homes on
tribal lands, where overcrowding, homelessness, and substandard
housing have reached crisis levels. My plan will lower rents by 10%, reform
land-use rules that restrict affordable housing construction and further racial
segregation, and take a critical first step towards closing the racial wealth gap.
My plan to protect and empower renters tackles the growing cost of rent,
strengthens fair housing law and enforcement, fights for a nationwide right to
counsel for low-income tenants in eviction proceedings, and creates a national
small dollar grant program to help make sure families aren’t evicted because of
My administration will also take on “land contracts”
agreements, predatory loans that arefrequently targeted at
communities of color and areprevalent in border communities. In
these contracts, tenant-buyers can be subject to unjust eviction
proceedings, homes can be in such bad condition they’re basically
uninhabitable, interest rates exorbitantly high, and in the case of some
colonias, developers have failed to provide basic infrastructure
like a sewer system or paved roads. And because of the “forfeiture clause”
embedded in these kinds of agreements, if tenants fall behind on these
high-interest payments, lenders can seize the property — and keep the payments
that have been made as “liquidated damages.”
Texas is one state that has moved toward increasing protections after
a certain amount has been paid, but there’s more we can do. I’ll choose a CFPB
Director committed to reining in land contracts, work with states to require
that these contracts be recorded to collect better data and formalize land
titling, and strengthen protections and rights of these residents to ensure
their property isn’t lost to exploitative practices and can be passed onto
Protect Clean Water.Clean water is
vital to our health and welfare and to our economy. But decades of
environmental racism have allowed corporate polluters to
pump dangerous amounts of pollution into our border communities and unaccountable developers to
leave these communities without the resources and infrastructure to take it
on. 30% of people living in colonias
don’t have safe drinking water. Meanwhile, border communities have
been battling toxic waste dumping in
their neighborhoods. And yet, Trump’s 2021 budget proposal eliminates much of
the federal money allocated for water and wastewater projects that could have
been used to work towards clean drinking water in border regions.
A Warren administration will invest in our nation’s water systems. I have
committed to fully capitalize the Drinking Water State Revolving Fund and the
Clean Water State Revolving Fund to refurbish old water infrastructure and
support ongoing water treatment operations and maintenance, prioritizing the
communities most heavily impacted by inadequate water infrastructure. I will
also fully enforce Safe Drinking Water Act standards for all public water
systems and aggressively regulate chemicals that make their way into our water
supply, including from agricultural runoff. I’ll restore all funding to water
and wastewater projects the Trump administration has proposed to eliminate.
And, for the thousands of people who rely on private
sources for drinking water, a Warren administration will fight for
adequate funding so that everyone can have access to safe water. I’ll also make
giant agribusinesses pay the full costs of the environmental damage they wreak
on the border communities that surround them by closing the loopholes that they
use to get away with polluting and by beefing up enforcement of the Clean Air
and Clean Water Acts against them.
Health care is a human right and that’s why we need
Medicare for All. Under Medicare for All, every single person in this
country will be able to see the doctor they need and get their recommended
treatments. As president, I will immediately act to lower the cost of
prescription drugs, using every available tool to bring pressure on the big
drug companies and bring down the high costs of many common prescription drugs,
including Insulin. And within 100 days, I’ll work with Congress to expand
coverage to every American by expanding Medicare and creating a Medicare for
All option that is free for all kids and families at or below 200 percent of
While we work to deliver Medicare for All, a Warren
administration will roll back the Trump administration’s efforts to rip health
coverage away from people. The Trump administration’s reinterpretation of
Section 1557 would undermine critical nondiscrimination protections, weakening
requirements to make health information language-accessible. As president, I will
direct HHS to reinstate the Obama administration’s 2016 guidance that fully
upholds civil rights and nondiscrimination protections. I’ll roll back the
Trump administration’s Public Charge rule change, which is harming immigrants
with disabilities and forcing immigrant families to choose between staying
together and ensuring their children can get critical services. And I’ll
reverse the Trump administration’s harmful Medicaid policies, like work
requirements and block grants, that take coverage away from low-income
individuals and families.
Strengthen the Health System. While coverage is critical,
it’s only part of ensuring access to high-quality care. We also have a
responsibility to make sure that places that have experienced a loss in
services or are otherwise medically underserved get support to improve their
health systems and meet the needs of their communities.
That’s why I’ve committed to protecting health care in rural communities by
creating a new designation under Medicare for rural hospitals, ending the
harmful effects of consolidation, and dramatically increasing funding for
Community Health Centers. I will also establish a $25 billion dollar capital
fund to support a menu of options for improving care in health professional
shortage areas, including: constructing a new facility like a
Community Health Center, Rural Health Clinic, School-Based Health Center, or
birthing center; expanding capacity or services at an existing clinic;
establishing pharmacy services or a telemedicine program; supporting a diabetes
self-management education program; improving transportation to the nearest
hospital; or piloting models like mobile clinics and community paramedicine
programs. A Warren administration will also expand our health care workforce by
investing more resources in building the pipeline of culturally-competent and
language-inclusive medical professionals in rural areas and other areas with
shortages, from physicians to promotoras.
But we also need to support robust public health efforts to keep these
communities healthy and prepared to handle potential outbreaks — and to work
in partnership with the international community, including Mexico, in our
global health response. That’s why I’ve committed to fully fund the critical
agencies that support our public health infrastructure. To
double down on this commitment in the border region, I will also create a
Border Health Initiative within the Federal Office of Rural Health Policy to
focus on strengthening these institutions in ways that serve the unique needs
of this region and its people.
Fight for high-quality education from the earliest years through college. 33 of the 44 counties along the
Southern border are non-metropolitan counties. Today, a majority of rural communities lack
sufficient access to child care. My plan for Universal Child Care will
provide high-quality child care free for millions and affordable for everyone.
My administration will also work closely with local providers and tribal
governments to make sure there are high-quality child care options available in
every community — including home-based child care services. And as part of a
comprehensive early childhood education system, I will ensure all children can
attend free high-quality universal pre-K.
I’m also committed to protecting English Language Learners by enforcing their
rights to meaningful access to rigorous coursework, teachers, special education
services, and integration with the rest of the student body, while fostering
their home language. And I will protect the rights of immigrant students,
ensuring that all immigrant children have access to a quality education, no
matter their native language, national origin, or immigration status.
Border states are
facing an acute teacher shortage.
My administration will treat teachers and staff like the professionals they are
by strengthening the ability of educators to organize and bargain for just
compensation and ensure that educators aren’t drowning in debt. I’ll also build
a more diverse teacher and school leadership pipeline by investing in Grow Your
Own and teacher residency programs. And I will push to fully fund the Teacher
Quality Partnership program to support teacher residency programs in high-need
areas, like rural communities, and in areas of expertise like Special Education
and Bilingual Education.
My student debt cancellation and
universal public college plan will cancel up to $50,000 in
student loan debt for more than 95% of Americans who carry it and make two-year
or four-year public college or technical school free. My plan also makes a
minimum $50 billion investment in HBCUs, Hispanic Serving Institutions, Tribal
Colleges and Universities, and other Minority-Serving Institutions.
Prevent Gun Violence in Border Communities and in Mexico. After
Trump, we’ll have work to do to restore our relationship with our Mexican
neighbors. One area where we can begin to make improvements immediately is
in stopping the flow of American guns
to Mexico. As Mexico struggles with record violence, Americans must
face the fact that our weak gun laws have not only fed an epidemic of gun
violence at home, but are also a leading driver of instability among our
neighbors. This instability in turn is displacing people across Mexico and
elsewhere in Latin America, feeding the humanitarian crisis that border
communities in both the U.S. and Mexico are facing today. I will fight to end gun violence,
recognizing that this is part of addressing the root causes of migration and improving
our relationship with Mexico. And as president, I will pass a new federal
anti-trafficking law making clear “straw purchases” are a federal crime and
prosecute gun traffickers by instructing my Attorney General to go after the
transnational gun trade with all the resources of the federal government.
Building a 21st Century Border Economy
A thriving border economy is crucial to the economic wellbeing of the rest of
our country. And when Trump has threatened to shut it down, the ramifications
have been felt quickly and acutely. In 2018, a 5 hour border crossing closure
at San Ysidro in California — the busiest land border crossing in
the world — cost local businesses $5.3 million. We
need a strong border economy that works for everyone. That means investments in
local small businesses, growing access to financial services, closing the
digital divide, trade that uplifts labor and environmental protections, and
developing the green workforce of the future.
Boosting Small Businesses. Small businesses are
essential to the prosperity of border communities, but these businesses have
been harmed by increased border militarization and Trump’s reckless tariff by tweet approach
to trade. People along the U.S.-Mexico border also confront barriers to
accessing the capital and financial services necessary to start and grow their
businesses — barriers that disproportionately affect Latino,
Native American, and Black entrepreneurs. My comprehensive agenda to boost
America’s small businesses will level the playing field for
small business owners on the border by providing access to credit, helping
small businesses deal with regulatory requirements, and unleashing the full
purchasing power of the federal government to support small businesses.
Protecting and Expanding Financial Services. The number of
rural counties without a locally owned community bank has doubled since 1994, and
border communities are increasingly becoming banking
deserts. I’ve proposed allowing the U.S. Postal Service to partner with
local community banks and credit unions to provide access to
low-cost, basic banking services online and at post offices. A Warren
Administration will also strengthen lending to small businesses in underserved
areas by expanding support for Community Development Financial Institutions,
which provide an important source of funding for
women, people of color, and rural communities. As president, my
administration will also protect immigrant families sending remittances by
enacting stronger rules at the Consumer Financial Protection Bureau around
remittances to ensure fees are transparent, and I will oppose President Trump’s
proposed tax on remittances that targets wire transfers to Mexico, Latin
America, and the Caribbean to pay for his wall.
Extend Broadband to Border Communities. The communities
along the U.S.-Mexico border have some of the lowest levels of internet
connectivity in the nation. This digital divide is a
major barrier for people to find jobs, students to complete homework, small
business to connect to new markets, and it holds back the entire community.
That’s why as president, I will make it clear in federal statute that
municipalities have the right to build their own broadband networks and
establish a new $85 billion federal grant program to
massively expand broadband access across the country. I will also require all
telecommunications services to contribute fairly into the Universal Service
Fund to shore up essential universal service programs that provide subsidies to
low-income individuals, schools, and libraries to increase broadband adoption –
because every home in America deserves a fiber broadband connection at a price
families can afford.
Decreasing Wait Times. Under the Trump Administration, wait times
at ports of entry are dramatically increasing, reducing trade and commerce
and even impacting air quality for
surrounding communities. Every day almost $2 billion worth of products crosses
the U.S.-Mexico border, but delays in Texas can exceed 10 hours — this is
unacceptable. In places like Deming, New Mexico, students pushed across the
border because of unaffordable housing or to be with deported family
members get up at dawn to wait hours
through highly-militarized security checks to make it to school on
the U.S.-side on time. An estimated 40,000 children cross the
U.S.-Mexico border for school every day. First, we will
invest in dedicated pedestrian lanes for both U.S. citizens and students, and
the “All Lanes Open Initiative” so that there is better traffic flow
during the morning rush and expand the program to include evenings. We also
need to completely repeal the “hardening measures,” such as concrete
barriers topped with razor wire, and limit “tactical exercises” that create
choke points and slow down traffic. With the passage of the USMCA, we will
increase the number of custom officials and invest in modern technology to more
efficiently and effectively inspect and verify goods.
Leveling the Playing Field with Trade. As a Senator, I voted
for the USMCA — the revised NAFTA agreement. I supported the agreement because
it made some improvements for American workers, farmers, and consumers, and
Mexican workers too. It guarantees the right to organize for Mexican workers,
provides for new investments in combating pollution such as $300 million
to stop cross-border sewage flows,
and strengthens diplomatic ties with our neighbors at a time that President
Trump seeks to divide us.
But we will do much better for border communities in a Warren administration.
We need a new approach to trade that works for Americans who have been left
behind, including the communities on the U.S.-Mexico border. Instead of pursuing
a race to the bottom when it comes to worker’s rights and environmental
protection, it is time to use our leverage of the American market to encourage
other countries, including Mexico, to elevate their policies. When we raise
labor and environmental standards worldwide, we help millions of people living
abroad and let American workers compete on a more level playing field.
Building the Green Workforce of the Future. Border states
are emerging as leaders of the new green economy.Texas is the leading producer of
wind energy in the country, California is the leading producer
of solar energy, and clean energy investments in New Mexico and Arizona are on the
rise. To really bend the curve on climate, we’ll need sustained big, structural
change across a range of industries and sectors. 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. Outside experts that have looked at my ideas for
a Green New Deal to analyze how they will drive job creation have estimated
that they will create 10.6 million new green jobs.
That means millions of new clean energy jobs in border states and honoring our
commitments and a just transition for fossil fuel workers, so that no one is
Honoring our Border Servicemembers and Veterans. Military
bases and military families are key drivers of local border economies, from the
Marine Corps Air Station in Yuma to Laughlin Air Force Base in Del Rio. Rather
than defunding military projects — like military base child care
facilities — to build Trump’s “wall”, we should be investing
in military readiness, infrastructure, and veterans and their families. From
military housing and child care to a 21st century VA system, I will keep our
promise to care for our nation’s veterans, service members, and military
The vigorous contest of Democrats
seeking the 2020 presidential nomination has produced excellent policy
proposals to address major issues. Senator Elizabeth Warren released her
plan to “Restore Integrity and Competence to Government After Donald Trump”
presidency has been a dark period in American history. That period won’t end
just because Donald Trump has left office. If we want to write a new chapter in
the American story — one in which the government and economy actually work for
the people — we will have to cleanse the corruption from our government and
urgently act to appoint officials who will bring integrity to public service,”
This is from the Warren campaign:
Charlestown, MA – In one year, the next
president will start her first full day of work. Donald Trump will be leaving
behind a disaster: agencies gutted, others run by lobbyists and rife with
corruption and policies that have thrown our country into crisis. The next president
will need to have the energy, expertise, and vision to safeguard our country,
rebuild the government swiftly, and make fundamental changes so that it works
for the American people.
Elizabeth has a plan to restore integrity and competence to government after
Donald Trump. She will:
Address the corruption and incompetence of the Trump Administration by:
Asking for the resignations of all political appointees,
including U.S. Attorneys, with an exception only for those positions necessary
to preserve continuity and protect national security during the transition
Establishing an independent Justice Department Task Force to
investigate violations by Trump administration officials of federal bribery
laws, insider trading laws, and other anti-corruption and public integrity
laws, and give that task force independent authority to pursue any
substantiated criminal and civil violations.
Reviewing the performance of independent agencies and
removing leading officials for cause where there is justification to do
Identifying federal contracting arrangements that arose as a
result of corruption in the Trump administration – and ending them.
Swiftly appoint new personnel:
Elizabeth will announce her choices for the Cabinet by
December 1, 2020, other top nominations by December 15, 2020, and fully staff
all senior and mid-level White House positions by Inauguration Day.
She will not hire any current lobbyists. If someone has
served as a corporate lobbyist in the past, they will have a six year cooling
off period and there will be no waivers or exceptions. Non-corporate lobbyists
will have a two year cooling off period, and any waivers will be made public.
She will also institute a number of rules to make sure that
executive branch officials are working on behalf of the people – not themselves
or their former employers.
She will use a number of existing tools to swiftly fill
Build a government that reflects the energy and diversity of
The Cabinet and senior leadership team will reflect the full
diversity of America, including having at least 50% of Cabinet positions filled
by women and non binary people.
LGBTQ+ people will be represented across all levels of
government, including in leadership roles.
She will diversify recruitment to direct real resources
toward attracting entry-level applicants for public service from HBCUs, Tribal
Colleges and Universities, Hispanic Serving Institutions, and other
minority-serving institutions, and reform high-level recruiting processes to
attract diverse experienced hires into senior management positions.
She will create new paid fellowship programs for federal
jobs for people from marginalized communities and low-income applicants,
including formerly incarcerated individuals.
She will open up promotion pathways by requiring every
federal agency to incorporate diversity as part of their core strategic plan
and creating support networks through a government-wide mentorship program that
centers Black and Brown employees.
And she will recommit to President Obama’s efforts to raise
the level of people with disabilities in federal service.
One year from today, the next president will begin her first full day of work.
She will be inheriting a government in crisis: from children in cages at
detention facilities near the border to a reckless foreign policy that
endangers our country and a bigoted ban on travelers from Muslim-majority
countries, our country will be in desperate need of immediate course
correction. Further, Donald Trump will leave behind a government that has been
infected by corruption and incompetence, and his vindictive actions as
president suggest that he is likely to do everything he can to undermine the
next president. We cannot assume that everything will be fine once Donald Trump
leaves office. The next president will need to have the energy, expertise, and
vision to safeguard our country, rebuild the government swiftly, and make
fundamental changes so that it works for the American people.
I know how to get the government working for the people because I’ve done it
before. Back in 2010, President Obama picked me to get the Consumer Financial
Protection Bureau (CFPB) up and running. We recruited a mission-driven staff
and set up the organization, and it took swift action to protect Americans from
financial predators and make financial products safer. From defending people
with crushing levels of student debt to fighting for servicemembers and their
families who were targeted by financial vultures, the agency used every tool in
its toolbox to stand up for ordinary Americans. And that agency has now returned
more than $12 billion directly to people who were cheated.
I have also spent the last seven years in the Senate studying the intimate
details of how our government works, finding the levers that can bring about
big structural change, and identifying the key positions that are responsible
for making these changes. And I have learned from a diverse community of
experts who share my vision for progressive, structural change and who know the
executive branch inside and out.
My agenda would make our government and our economy work for everyone. It
starts with anti-corruption reforms, democracy reforms, campaign finance
reforms — reforms that will break the stranglehold that corporate interests
have on Washington and get our government working for the people. We’ll also
make our economy work for everyone — from cancelling student loan debt to
providing universal child care for every kid age 0 to 5 to investing in green
manufacturing. But achieving this agenda while also addressing the crises that
Donald Trump has created will require an energetic president with expertise on
how the executive branch works, a real commitment to making the executive
branch free from corruption, and the courage to use every tool available to
deliver for working families.
Of the positions he has filled, Donald Trump has been stacking the government
with lobbyists, campaign donors, and cronies. Halfway through his first
term, he had already hired 281 lobbyists into
political appointments. Shortly after being elected, thirty-eight percent of those he
picked for high-level government jobs were donors and during
his first two years, 40% of his ambassadors came
from outside the foreign service. The mix of industry insiders and donors has
both created turmoil and opened up an opportunity for big businesses to tilt
the rules in their favor. This government run by and for lobbyists has
dismantled workplace safety and environmental rules, health care protections,
and dozens of other programs and regulations that benefit working people.
Rebuilding our government to work for the people won’t just happen. It’s going
to require painstaking work, extraordinary drive and urgency, and a serious
plan to root out the corruption and incompetence that Trump will leave behind.
That means cleaning out the corruption that has infected the government, and it
means moving immediately to fill key jobs and set up agencies with capable
officials committed to putting the public interest first.
Addressing the Corruption and Incompetence of the Trump Administration
On day one of my presidency, I will take aggressive steps to root out the
corruption and incompetence of the Trump administration and to hold that
administration accountable. I will:
Remove all political appointees. Rooting out the
corruption in our government starts with wiping the slate clean on political
appointments. Donald Trump gave influential, high-ranking positions to his
donors, friends, and political allies. I will ask for the resignations of all
political appointees, including U.S. Attorneys, save only those positions
necessary to preserve continuity and protect national security during the
Prevent political appointees from burrowing into career
positions. The law outlinesclear rules that
help prevent political appointees from circumventing standard hiring practices
and “burrowing” into the government by converting from a political appointment
into a career position. I will strengthen enforcement of rules around
conversion from appointed positions to career civil service to root out
officials who attempt to burrow into agencies.
Establish a Justice Department Task Force to investigate
corruption during the Trump administration and to hold government officials
accountable for illegal activity. Donald Trump has run the most
corrupt administration in history. He was impeached for withholding foreign
aid in an effort to try to benefit his re-election campaign. He
has enriched himself and his business through
the power of his office. And there are public reports of potentially illegal
corruption in everycorner of hisadministration. If we
are to move forward to restore public confidence in government and deter future
wrongdoing, we cannot simply sweep this corruption under the rug in a new
administration. That’s why I will direct the Justice Department to establish a
task force to investigate violations by Trump administration officials of
federal bribery laws, insider trading laws, and other anti-corruption and
public integrity laws, and give that task force independent authority to pursue
any substantiated criminal and civil violations. I have also committed to
establishing a task force to investigate accusations of serious violations by
immigration officials during the Trump era.
Review the performance of independent agencies and remove
leading officials for cause where there is justification to do so. For
good reason, the heads of independent agencies can only be removed for cause —
for example, if they neglect their duties or engage in malfeasance while in
office. My administration will review these agencies and determine whether any
of these agency heads warrant removal for cause — and I will not hesitate to
use my for-cause removal authority if the facts justify it.
Identify federal contracting arrangements that arose as a
result of corruption in the Trump administration – and end them. The
corruption in the Trump administration extends beyond those who work for the government
directly to those who have won contracts to execute government services. For
example, Donald Trump repeatedly pushed the
Army Corps of Engineers to award a border wall contract to a particular company;
the company won the contract despite not meeting the standards for a bid. My
administration will review major contracts executed under the Trump
administration to identify conflicts of interest and other forms of corruption
and take action to cancel any contracts procured as a result of corrupting
Swiftly Appoint New Personnel Who Will Undo the Trump
Administration’s Disastrous Policies, Restore Integrity to Government, and
Fight on Behalf of the American People
It would be foolish to assume that after Trump is gone, the government will
start moving in the right direction all on its own. This will be no ordinary
transition between administrations. One year from now, the next president will
take charge in the middle of multiple crises – from the border, to our foreign
policy, to the undermining of health, safety, and environmental rules, to the
hollowing out and corruption of our public institutions.
My transition will move faster than any transition in modern history to
identify appointees and develop plans for making change starting on day one. Unlike
previous transitions, we will not be able to assume good faith cooperation on
the part of the outgoing administration, and we do not have an outgoing
administration that shares even the most basic values. There will be no time to
lose in putting teams in place to address the crises this administration has
brought on our country – and to take action on the extraordinary challenges
that the American people face.
And that is why I am committing to announcing my choices for the Cabinet by
December 1, 2020, other top nominations by December 15, 2020, and fully staff
all senior and mid-level White House positions by Inauguration Day. Historically,
the Obama administration was the most successful at sending nominations to the
Senate, delivering 35 nominations for confirmation on his first day in office.
As president, I will send the largest package of nominees to the Senate for
confirmation on day one. In addition, I will have the senior and mid-level
ranks of my White House fully staffed on day one, so that we can hit the ground
Source: Partnership for
Public Service, Center for Presidential Transition
I have often said that personnel is policy. The
choices of who to appoint are policy choices, because individuals make policy
decisions. But personnel is also performance. If our government doesn’t have
good people, it can’t perform for the American people. To meet this ambitious
schedule while also ensuring that our government reflects the interests of all
Americans, I will focus on three key areas: instituting hiring rules and
practices that end the revolving door and prevent corruption; building an
administration that reflects the experiences and diversity of our country; and
using all available tools to swiftly fill vacancies.
Ending the Revolving Door and Preventing Corruption
We must ensure that the next administration isn’t afflicted by the corrupting
influence of money that plagues Washington. I have introduced the biggest
anti-corruption legislation since Watergate and my first priority as president
is to pass my Anti-Corruption and Public Integrity Act, so that we can clean up
every aspect of Washington policymaking.
But there are many actions a president can take all by herself, and my
administration will adopt the strictest anti-corruption hiring rules of any
administration in American history. And that starts by ending
the revolving door between big corporations and their lobbyists and government
My administration will not hire any current
lobbyists. If someone has served as a corporate lobbyist in the
past, my administration will require them to have a six year cooling off period
before they are eligible for a government position, and there will be no
waivers or exceptions. Non-corporate lobbyists will have a two year cooling off
period, and any waivers will be made public.
My administration will not hire employees of for-profit
federal contractors, unless I personally review the situation and decide it is
in the national interest. For-profit contractors and licensees do
business with the government – they are often awarded huge contracts and
licenses for important federal projects. Unless I make a specific exception, my
administration will not hire employees of such firms into the agencies or
departments that awarded contracts to their former employers for four years
after their last contract or license was awarded.
My administration will not hire executives of companies
that break federal law or are under investigation unless six years have passed
since the conclusion of the investigation or enforcement action. People
in the private sector can have valuable experience to bring to public service.
But too often, government agencies hire senior executives at companies and
banks that have broken federal law, are subject to enforcement actions, or are
under investigation. Leaders of companies and banks that don’t follow the law
should not be in a position of public trust developing and enforcing the law.
These appointments stop in my administration.
My administration will not hire any person who receives a
“golden parachute” from their employer. “Golden parachutes” – payments,
bonuses, salaries, or other forms of compensation contingent on accepting a
position in the federal government – create the impression that the recipients
will work in their former employers’ best interest – not the public’s. A Warren
administration will not allow such arrangements.
In addition to these hiring restrictions, my administration
will institute rules to make sure that executive branch officials are working
on behalf of the people – not themselves or their former employers:
To prevent conflicts of interest, officials in my
administration will have to divest from any individual stock, bond, or other
investment that federal ethics officials determine may be directly influenced
by the actions of the employee’s agency.
Senior officials in my administration will be required to
divest from all complex investments – including individual stocks and bonds, as
well as commercial real estate and privately-owned or closely-held
Senior officials must also commit to divesting any interests
in family trusts if ethics officials determine that an asset belonging to the
trust might pose a conflict of interest.
Further, executive branch officials who have not been Senate
confirmed must recuse themselves from matters affecting their former employer,
direct competitor, client, or organization that an employee belonged to in the
last four years. Senior officials will be prohibited from being employed
by or consulting for the private sector while simultaneously working in the federal
government. And anyone who volunteers for the federal government, including
White House staff and advisors, will have to agree to abide by all federal
ethics rules too.
The revolving door goes both ways, and too often, people in government depart
and take jobs working at the very firms they had been regulating. At best, this
creates the appearance of corruption. At worst, individuals who are thinking
about their next job corrupt the policymaking process to favor potential
employers. We will end this kind of revolving door corruption.
Senior members of my administration will be required to
pledge not to accept a lobbying appointment after finishing their official
duties – for life. This will apply to all members of my Cabinet, heads of
agencies, my Vice President – and me.
All other members of my administration will have to commit
to not lobby their former office or agency for two years after they leave the
administration – and six years if they become corporate lobbyists – or
until the administration ends, whichever is longer.
Senior government officials in my administration will also
have to pledge for a year not to work for or accept payment from any company
that has lobbied their department or office within the past two years.
Senior government officials in my administration will be
asked to commit not to work for any giant bank or company worth more than $150
billion, any federal contractor receiving more than $5 billion in revenue from
federal contracts, or any market-dominant company, as determined by the
Attorney General, for four years after leaving their post. And anyone in my
administration who participated in the process of granting a contract or
license to a for-profit contractor will also be required to agree not to accept
a job with that contractor for at least four years after leaving government
Both President Obama and President Trump issued their ownethics pledges at
the start of their administrations – and despite good intentions, both failedto curb the number
of lobbyists and government officials that spin through the revolving door.
That’s why the steps I have outlined here will eliminate the loopholes in
previous ethics pledges, principally by expanding the definition of ‘lobbyist’
to include anyone who is hired to influence government, not just those who are
required to register as a lobbyist under current law. Additionally, my plan
requires every executive branch employee – not just political appointees – to
abide by these rules as a condition of their government service and extends the
cooling off periods for executive branch staff to prevent them from lobbying
their former agency or office through the end of an administration. And it
removes the president’s ability to waive these requirements for corporate
lobbyists and executives of law-breaking companies.
Building a Government that Reflects the Energy and Diversity of America
It is not enough, of course, to have people in government who don’t have
conflicts of interest. We need people who are passionate about the mission of
their agencies, deeply understand the needs and experiences of all Americans,
and reflect the diversity of the American people.
Under the Trump Administration, we have seen appointees who are actively
hostile to the mission of their agencies. Secretary of Education Betsy Devos
doesn’t believe in public education. EPA Administrator Andrew Wheeler doesn’t
think climate change is a top priority. As President, I will appoint
people who want to fulfill the purposes of our government, not undermine it —
and that starts with some serious departures from the Trump Administration. For
example, I will appoint:
A Secretary of Education who has been a public
A Secretary of Labor who has been a labor
leader, and appointees to the National Labor Relations Board who have a record
of fighting for workers.
A Secretary of Agriculture who has a
demonstrated commitment to advocating for Black farmers.
A Secretary of Homeland Security who is committed
to undoing the damage caused by the Trump administration and who believes that
immigration makes our country stronger, not weaker.
Department of Justice officials who believe in
voting rights and the rule of law – including for the president.
Antitrust officials who will aggressively
scrutinize mergers, bring challenges to vertical and horizontal mergers, and
are not afraid to take on big tech, big ag, big pharma, and other consolidated
A Securities and Exchange Commission chair who
will require corporate political spending disclosure, strictly enforce our
securities laws, and use all existing tools to require robust disclosure of
A Federal Communications Commission chair who
will restore the 2015 Net Neutrality rules, block monopolistic mergers by media
and telecom corporations, and protect the Lifeline program that helps
low-income Americans afford broadband Internet.
An EPA head who believes in the urgency of
addressing climate change and protecting our environment.
Federal Reserve officials who believe in the
agency’s full employment mandate, recognize that inflation fears have been
overblown for years, and who are willing to let wages grow.
Our government officials can best serve the American public
when they reflect the diversity of the country itself. The federal government
does a dismal job on diversity and inclusion. The share of Latinas in the
federal workforce is about half that of the entire workforce. Even though Black
women are disproportionately represented in the federal workforce, they are
nearly absent from its leadership ranks. White workers make up nearly 80% of
the senior civil service despite making up only 63% of the overall federal
workforce. The Obama administration worked to raise the proportion of people
with disabilities to more than 14% of the federal workforce, but that dropped to 9.2% under Trump.
My administration will be committed to diversity and inclusion, starting on day
one. I will:
Build a Cabinet and senior leadership team that reflects the
full diversity of America, including having at least 50% of Cabinet positions
filled by women and non binary people.
Ensure representation of LGBTQ+ people across all levels of
government, including in leadership roles.
Diversify recruitment to direct real resources toward
attracting entry-level applicants for public service from HBCUs, Tribal
Colleges and Universities, Hispanic Serving Institutions, and other
minority-serving institutions, and reform high-level recruiting processes to
attract diverse experienced hires into senior management positions.
Create new paid fellowship programs for federal jobs for
people from marginalized communities and low-income applicants, including
formerly incarcerated individuals.
Open up promotion pathways by requiring every federal agency
to incorporate diversity as part of their core strategic plan and creating
support networks through a government-wide mentorship program that centers
Black and Brown employees.
Recommit to President Obama’s efforts to raise the level of
people with disabilities in federal service — and I will include federal
contractors and internship programs too.
Using Existing Tools to Swiftly Fill Government Vacancies
To implement the kind of big, structural changes I have proposed, we will need
to address the substantial vacancies in career civil service positions left
behind by the Trump administration. For example, the State Department lost
a significant percentage of
its employees in the first year of the Trump Administration alone. The federal
government has a number of tools to expedite
hiring processes, and a Warren administration would use them to put
well-qualified public servants to work as quickly as possible. For example:
My Office of Personnel and Management (OPM) will use
its direct hire authority to
identify areas of severe shortage and allow agencies to waive competitive
hiring processes in these areas of critical need.
Finally, I will designate officials at OPM to work with agencies to ensure that they are using their hiring authorities as effectively as possible while also prioritizing diversity in hiring and following all relevant laws, regulations, and administration policies.
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.
The vigorous contest of
Democrats seeking the 2020 presidential nomination has produced excellent
policy proposals to address major issues. Clearly
responding to the backlash against her radical plan to finance Medicare for
All, Senator Elizabeth Warren released details of how she would reduce health
care costs in America, eliminate profiteering from the health care system, and
complete a full transition to Medicare for All in her first term. Warren has
already released her plan to fully finance Medicare
for All when it’s up and running without raising taxes on the middle class by
“Medicare for All is
the best way to guarantee health care to all Americans at the lowest cost. I
have a plan to pay for it without
raising taxes on middle class families, and the transition I’ve outlined here
will get us there within my first term as president. Together, along with
additional reforms like my plans to reduce black maternal mortality rates,
ensure rural health care,
protect reproductive rights,
support the Indian Health Service,
take care of our veterans, and
secure LGBTQ+ equality, we will
ensure that no family will ever go broke again from a medical diagnosis – and
that every American gets the excellent health care they deserve. “
This is from the Warren campaign:
On Day One, Elizabeth will use her executive authority
Reverse Donald Trump’s sabotage of Obamacare
Improve the Affordable Care Act, Medicare, and Medicaid.
Protect people with pre-existing conditions
Drastically lower pharmaceutical costs for millions of
families for drugs including Insulin, EpiPens, and drugs that save people from
The first bill Elizabeth will pass is her comprehensive set
of anti-corruption reforms which include ending lobbying as we know it and
knocking back the influence of Big Pharma and insurance companies.
And in her first 100 days, Elizabeth will use a
fast-track legislative process called budget reconciliation to create a true
Medicare for All option that will:
Include all the health care benefits of Medicare for All
described in the Medicare for All Act.
Be immediately free for nearly half of all Americans,
Children under the age of 18
Families making at or below 200% of the federal poverty
level (about $51,000 for a family of four)
Give every American over the age of 50 the choice to enter a
substantially improved Medicare program.
Consumer costs will automatically decline, so eventually
coverage under this plan will be free to everyone
Throughout her first term, she will fight for additional
health system reforms to save money and save lives–including a boost of
$100 billion in guaranteed, mandatory spending for new NIH
And no later than her third year in office, she will pass
legislation to complete the transition to Medicare for All: guaranteed
comprehensive health care for every American, long-term care, vision, dental,
and hearing, with a single payer to reduce costs and produce better health
Elizabeth’s plan can deliver an $11 trillion boost to
families who will never pay another premium, deductible, or co-pay.
And her plan will protect unions and make sure that there’s
support for workers affected by these changes.
My First Term Plan for Reducing Health Care Costs in
America and Transitioning to Medicare for All
I spent my career studying why families went broke. I rang
the alarm bells as the costs for necessities skyrocketed while wages remained
basically flat. And instead of helping, our government has become more tilted
in favor of the wealthy and the well-connected.
The squeeze on America’s families started long before the
election of Donald Trump, and I’m not running for president just to beat him.
I’m running for president to fix what’s broken in our economy and our
democracy. I have serious plans to raise wages for Americans.
And I have serious plans to reduce costs that are crushing our families, costs
like child care, education, housing – and health care.
The Affordable Care Act made massive strides in expanding
access to health insurance coverage, and we must defend Medicaid and the
Affordable Care Act against Republican attempts to rip health coverage away
from people. But it’s time for the next step.
The need is clear. Last year, 37 million American
adults didn’t fill a prescription because of costs. 36 million people
skipped a recommended test, treatment, or follow-up because of costs. 40 million people
didn’t go to a doctor to check out a health problem because of costs. 57 million people
had trouble covering their medical bills. An average family of four with
employer-sponsored insurance spent $12,378 on
employee premium contributions and out-of-pocket costs in 2018. And 87 million Americans
are either uninsured or underinsured.
Meanwhile, America spends about twice as much per
person on health care than the average among our peer countries while
delivering worse health outcomes than many of them. America is home to the best
health care providers in the world, and yet tens of millions of people can’t
get care because of cost, forcing families into impossible decisions. Whether
to sell the house or skip a round of chemo. Whether to cut up pills to save
money or buy groceries for the week. The way we pay for health care in the
United States is broken – and America’s families bear the burden.
We can fix this system. Medicare for All is the best way to
cover every person in America at the lowest possible cost because it eliminates
profiteering from our health care and leverages the power of the federal
government to rein in spending. Medicare for All will finally ensure that
Americans have access to all of the coverage they need – not just what
for-profit insurance companies are willing to cover – including vision, dental,
coverage for mental health and addiction services, physical therapy, and
long-term care for themselves and their loved ones. Medicare for All will mean
that health care is once again between patients and the doctors and nurses they
trust–without an insurance company in the middle to say “no” to access to the
care they need. I have put out a plan to fully
finance Medicare for All when it’s up and running without raising taxes on the
middle class by one penny.
But how do we get there?
Every serious proposal for Medicare for All contemplates
a significant transition period. Today, I’m announcing my plan to expand public
health care coverage, reduce costs, and improve the quality of care for every
family in America. My plan will be completed in my first term. It includes
dramatic actions to lower drug prices, a Medicare for All option available to
everyone that is more generous than any plan proposed by any other presidential
candidate, critical health system reforms to save money and save lives, and a
full transition to Medicare for All.
Here’s what I’ll do in my first 100 days:
I’ll pursue comprehensive anti-corruption reforms to
rein in health insurers and drug companies – reforms that are essential to make
any meaningful health care changes in Washington.
I’ll use the tools of the presidency to start improving
coverage and lowering costs – immediately. I’ll reverse Donald Trump’s
sabotage of health care, protect individuals with pre-existing conditions, take
on the big pharmaceutical companies to lower costs of key drugs for millions of
Americans, and improve the Affordable Care Act, Medicare, and Medicaid.
I will fight to pass fast-track budget reconciliation
legislation to create a true Medicare for All option that’s free for tens of
millions. I won’t hand Mitch McConnell a veto over my health care
agenda. Instead, I’ll give every American over the age of 50 the choice to
enter an improved Medicare program, and I’ll give every person in America the
choice to get coverage through a true Medicare for All option. Coverage under the
new Medicare for All option will be immediately free for children under the age
of 18 and for families making at or below 200% of the federal poverty level
(about $51,000 for a family of four). For all others, the cost will be modest,
and eventually, coverage under this plan will be free for everyone.
By the end of my first 100 days, we will have opened the
door for tens of millions of Americans to get high-quality Medicare for All
coverage at little or no cost. But I won’t stop there. Throughout my
term, I’ll fight for additional health system reforms to save money and save
lives – including a boost of $100 billion in guaranteed, mandatory spending for
new NIH research over the next ten years to radically improve basic
medical science and the development of new medical miracles for patients.
And finally, no later than my third year in office, I
will fight to pass legislation that would complete the transition to full
Medicare for All. By this point, the American people will have
experienced the full benefits of a true Medicare for All option, and they can
see for themselves how that experience stacks up against high-priced care that
requires them to fight tooth-and-nail against their insurance company. Per the
terms of the Medicare for All Act, supplemental private insurance that doesn’t
duplicate the benefits of Medicare for All would still be available. But by
avoiding duplicative insurance and integrating every American into the new
program, the American people would save trillions of dollars on health costs.
I will pursue each of these efforts in consultation with key
stakeholders, including patients, health care professionals, unions,
individuals with private insurance, hospitals, seniors currently on Medicare,
individuals with disabilities and other patients who use Medicaid, Tribal
Nations, and private insurance employees.
And at each step of my plan, millions more Americans will
pay less for health care. Millions more Americans will see the quality of their
current health coverage improve. And millions more Americans will have the
choice to ditch their private insurance and enter a high-quality public plan.
And, at each step, the changes in our health care system will be fully paid for
without raising taxes one penny on middle class families.
Every step in the coming fight to improve American health
care – like every other fight to improve
American health care – will be opposed by those powerful industries who profit
from our broken system.
But I’ll fight my heart out at each step of this process,
for one simple reason: I spent a lifetime learning about families going broke
from the high cost of health care. I’ve seen up close and personal how the
impact of a medical diagnosis can be devastating and how the resulting medical
bills can turn people’s lives upside down. When I’m President of the United
States, I’m going to do everything in my power to make sure that never happens
to another person again.
The First 100 Days of a Warren Administration
Donald Trump has spent nearly every day of his
administration trying to rip health coverage away from tens of millions of
Americans – first by legislation, then by regulation, and now by lawsuit. When
I take office, I will immediately work to reverse the damage he has done.
But I’ll do much more than that.
In my first 100 days, I will pick up every tool Donald
Trump has used to undermine Americans’ health care and do the opposite. While
Republicans tried to use fast-track budget reconciliation legislation to rip
away health insurance from millions of people with just 50 votes in the Senate,
I’ll use that tool in reverse – to improve our existing public insurance
programs, including by giving everyone 50 and older the option to join the
current Medicare program, and to create a true Medicare for All option that’s
free for millions and available to everyone.
But first, we must act to rein in Washington
Anti-Corruption Reforms to Rein in Health Industry
In Washington, money talks – and nowhere is that more
obvious than when it comes to health care. The health care industry spent $4.7
billion lobbying over the last decade. And health insurance and pharmaceutical
executives have been active in fundraising and donating to
candidates in the 2020 Democratic primary campaign as well.
Today, the principal lobbying groups for the drug companies,
health insurers, and hospitals have teamed up with dozens of other
health industry groups to create the Partnership for America’s Health Care
Future – a front group whose members spent a combined $143 million on
lobbying in 2018 and aims to torpedo
Medicare for All in this election. The Partnership has made clear that “whether
it’s called Medicare for All, Medicare buy-in, or the public option,
one-size-fits-all health care will never allow us to achieve [our]
Let’s not kid ourselves: every Democratic plan for
expanding public health care coverage is a challenge to these industries’
bottom lines – and every one of these plans is already being drowned in money
to make sure it never happens. Any candidate who believes more modest reforms
will avoid the wrath of industry is not paying attention.
If the next president has any intention of winning any
health care fight, they must start by reforming Washington. That’s why I’ve
released the biggest set of anti-corruption reforms since Watergate – and why
enacting these reforms is my top priority as president. Here are some of the
ways my plan would rein in the health care industry:
Close the revolving door. My plan will close the revolving door between
health care lobbyists and government, and end the practice of large
pharmaceutical companies like Novartis, United Health, Roche, Pfizer, and
Merck vacuuming up senior
government officials to try and monopolize government expertise, relationships,
and influence during a fight for health care reform.
Tax excessive lobbying. My plan will also
implement an excessive lobbying tax on
companies that spend more than $500,000 per year peddling influence – like
Pfizer, Amgen, Eli Lilly, Novartis, and Johnson & Johnson. Money from the
tax would be used to strengthen congressional support agencies, establish an
office to help the public participate in the rule-making process, and give our
government additional resources to fight back against an avalanche of corporate
End lobbyist bribery. My campaign finance plan
will ban all lobbyists – including health insurance and pharma lobbyists – from
trying to buy off politicians by donating or fundraising for their campaigns.
This will shut down the flow of millions of dollars in
Limit corporate spending to influence elections. My
plan bans all election-related spending from big corporations with a
significant portion of ownership from foreign entities. That would block major
industry players like UnitedHealth, Anthem, Humana, CVS Health, Pfizer,Amgen, AbbVie, Eli Lilly, Gilead, and Novartis – along
with any trade associations that receive money from them – from spending to
Crowd out corporate contributions with small dollar
donations. I support a constitutional amendment to get big money out
of politics. But until we enact it, my plan would institute a public financing
program that matches every dollar from small donations with six more dollars so
that congressional candidates are answering to the people who need health care
and affordable prescription drugs, rather than health insurance and
Passing these reforms will not be easy. But we should enact
as much of this agenda as possible, as quickly as possible. I will also use my
executive authority to begin implementing them wherever possible – including
through prioritizing DOJ and FEC enforcement against the corrupt
influence-peddling game. And I will voluntarily hold my administration to the
standards that I set in my anti-corruption plan so that all our federal
agencies, including those involved in health care, serve only the interests of
Money slithers through Washington like a snake. Any
candidate that cannot or will not identify this problem, call it out, and
pledge to make fixing it a top priority will not succeed in delivering any
public expansion of health care coverage – or any other major priority.
Immediate Executive Actions to Reduce Costs and Expand
Public Health Coverage.
There are a number of immediate steps a president can take
entirely by herself to lower drug prices, reduce costs, and improve Medicare,
Medicaid, and ACA access and affordability. I intend to take these steps within
my first 100 days.
Dramatically Lower Key Drug Prices
As drug companies benefit from taxpayer-funded R&D and
rake in billions of dollars in
profits, Americans are stuck footing the bill. The average American spends
roughly $1,220 per year on
pharmaceuticals – more than any comparable country. As president, I
will act immediately to lower the cost of prescription drugs, using every
available tool to bring pressure on the big drug companies. I’ll start by
taking immediate advantage of existing legal authorities to lower the cost of
several specific drugs that tens of millions of Americans rely on.
Some drug prices are high because pharmaceutical companies
jack up prices on single-source brand-name drugs, taking advantage of
government-granted patents and exclusivity periods to generate eye-popping
profits. Pharma giant Gilead, for example, launched its
Hepatitis C treatment Harvoni at $94,500-per-twelve week treatment – leaving as many as 85 percent of more than 3 million Americans with
Hepatitis C struggling to afford life-saving treatments.
The government has two
existing tools to combat price-gouging by brand-name drug companies, in
addition to tough antitrust enforcement against companies that abuse our patent
system and use every trick in the book to avoid competition. First, the
government can bypass patents (while providing “reasonable and entire
compensation” to patent holders) using “compulsory licensing authority.” The
Defense Department has used this authority as recently as 2014.
Second, under the march-in provisions of the Bayh-Dole Act, the
government can require re-licensing of certain patents developed with
government involvement when the contractor was not alleviating health or safety
needs. Just in this decade, federal research investments have contributed to
the development of hundreds of drugs –
all of which could be subject to this authority.
But new drugs aren’t the only unaffordable drugs on the
market. Even older, off-patent drugs can be expensive and inaccessible. Lack of
generic competition allows bad actors like Martin Shkreli to
boost the prices of decades-old drugs. Some of the biggest generic drug
companies in the country are now being sued by forty-four states for
price-fixing to keep profits high. Limited competition and other market
failures can also lead to drug shortages. Fortunately, the government can also
act to fix our broken generic drug market by stepping in to publicly
manufacture generic drugs, stopping price gouging in its tracks and bringing
On the first day of my presidency, I will use these tools
to drastically lower drug costs for essential medications – drugs with high
costs or limited supply that address critical public health needs. And
during my administration, we will use these tools to make other drugs
affordable as well.
Insulin was discovered nearly 100 years ago as
a treatment for diabetes – but today the drug is still unaffordable for too
many Americans. Eli Lilly’s brand-name insulin prices increased over 1,200% since the 1990s.
Insulin costs are too high because three drug companies –
Novo Nordisk, Sanofi, and Eli Lilly – dominate the market, jacking up prices.
Americans with diabetes are rationing insulin, and
taxpayers are spending billions on it
through Medicare and Medicaid. It’s obscene.
No American should die because they can’t afford a century-old drug that can
be profitably developed for
$72 a year. I will use existing authorities to contract for manufacture of
affordable insulin for all Americans.
EpiPens deliver life-saving doses of
epinephrine, a drug that reverses severe allergic reactions to things like
peanuts and bee stings. Though epinephrine has been around for over a century, the pens
that deliver it are protected by a patent that
limits competition. In 2016, this lack of competition allowed Mylan, EpiPen’s
manufacturer, to jack up EpiPen prices by 400%, leaving
families unable to afford this life-saving medication. Though cheaper versions
have recently entered
the market, prices remain out of reach for
many American families. As president, I will use existing authorities to
produce affordable epinephrine injectors for Americans (and especially
children) who need it.
Humira is a drug with anti-inflammatory effects used
to treat diseases like arthritis, psoriasis, and Crohn’s disease. It
is the best-selling prescription
drug in the world, treating millions. AbbVie, Humira’s manufacturer, has doubled the price
of Humira to more than $38,000 a year. In 2017, Medicaid and Medicare spent over
$4.2 billion on it – while AbbVie, its manufacturer, developed a “patent thicket” to
shield itself from biosimilar competition. In May 2019, the company
entered into a legal settlement preventing a competitor from entering the U.S.
market until 2023 – probably because prices went down by up to 80% once
biosimilars entered in Europe. My administration will pursue antitrust action
against AbbVie and other drug companies that pursue blatantly anti-competitive
behavior, and, if necessary, use compulsory licensing authority to facilitate
production, saving taxpayers billions.
Hepatitis C drugs like Harvoni are part of
a class described as
“miracle” drugs. Harvoni’s price tag – $94,500-per-treatment – left 85% of the more than 3 million Americans living
with Hepatitis C without a lifesaving medication, while taxpayers foot a $3.8billion bill. Although
the price has come down in recent years, it is still expensive for
too many. One estimate suggests that by
using compulsory licensing, the federal government could treat all Americans
with Hepatitis C for $4.5 billion – just 2% of the $234 billion it would
otherwise cost. That is exactly what I will do.
Truvada is a drug that – until recently –
was the only FDA-approved form
of pre-exposure prophylaxis, which can reduce the risk of HIV from sexual
activity by up to 99%. Truvada’s
manufacturer, Gilead, relied on $50 million in federal grants to
develop it, but today they rake in multi-billion dollar profits while Americans
struggle to afford it. The CDC estimates a million Americans could benefit from
Truvada, though only a fraction do today – largely due to to its $2,000-a-month price tag, which is nearly thirty times what
it costs in other countries. My administration will facilitate the production
of an affordable version – reducing HIV infections and saving taxpayers billions of dollars each
Antibiotics provide critical protection from
bacterial and fungal infections, and we are in desperate need of new
antibiotics to combat resistant infections. Every year, nearly
three million Americans contract antibiotic-resistant infections – and more
than 35,000 people die. But antibiotics don’t generate much money,
discouraging pharmaceutical investment, causing shortages, and contributing to price hikes.
Earlier this year, one biotech firm filed for bankruptcy after
marketing a new antibiotic, Zemdri, for less than a year. My administration
will identify antibiotics with high prices or limited supply and help produce
them to combat resistance and provide patients with the treatments they need.
Drug shortages leave doctors and patients
scrambling to access the treatments they need, forcing many to ration
medications and use inferior substitutes. Our nation’s hospitals, for example,
are currently experiencing a shortage of
vincristine – an off-patent drug that is the “backbone” of childhood cancer
treatment. The vincristine shortage began when Teva, one of its two suppliers,
made the “business decision” to stop manufacturing the drug. When I am
president, the government will track drugs in consistent shortage, like
vincristine, and I will use our administrative authority to ensure we have
Finally, I will also direct the government to study whether
other essential medicines, including breakthrough drugs for cancer or high-cost
drugs for rare diseases, might also be subject to these interventions because
they are being sold at prices that inappropriately limit patient
Make Mental Health and Substance Use Treatment A
The law currently requires health insurers to provide mental
health and substance use disorder benefits in parity with physical health benefits.
But in 2018, less than half of
people with mental illness received treatment and less than a fifth of people
who needed substance use treatment actually received it. As
president, I will launch a full-scale effort to enforce these requirements –
with coordinated actions by the IRS, Centers for Medicare and Medicaid
Services, and Department of Labor to make sure health plans actually provide
mental health treatment in the same way they provide other treatment.
Reverse Trump’s Sabotage
I will reverse the Trump administration’s actions that have
undermined health care in America. Key steps include:
Protecting coverage for people with pre-existing
conditions. The Trump administration has abandoned its duty
to defend current laws in court, cheering on efforts to destroy protections for
pre-existing conditions, insurance coverage for dependents until they’re 26,
and the other critical Affordable Care Act benefits. In a Warren
administration, the Department of Justice will defend this law. And we will
close the loopholes created by the Trump administration, using 1332 waivers,
that could allow states to steer healthy people toward parallel, unregulated
markets for junk health plans. This will shut down a stealth attack on people
with pre-existing conditions who would see their premiums substantially
increase as healthier people leave the marketplace.
Banning junk health plans. The Trump
administration has expanded the use of
junk health insurance plans as an alternative to comprehensive health plans
that meet the standards of the ACA. These plans cover few benefits,
discriminate against people with pre-existing conditions, and increase costs
for everyone else. And in some cases they direct as much as 50 percent of
patient premiums to administrative expenses or profit. I will ban junk plans.
Expanding ACA enrollment. I’ll re-fund the
Affordable Care Act programs that help people enroll in ACA coverage, programs
that have been gutted by the Trump administration.
Expanding premium tax credits. I will reverse
the Trump administration rule that artificially reduced premium tax credits for
many people, making coverage less affordable –
and instead will expand these credits.
Rolling back Trump’s sabotage of Medicaid. I’ll
reverse the Trump administration’s harmful Medicaid policies that take coverage
away from low-income individuals and families. I’ll prohibit restrictive and
ineffective policies like work requirements – which have already booted 18,000 people in
Arkansas out of the program – as well as enrollment caps, premiums, drug
testing, and limits on retroactive eligibility that can prevent bankruptcy.
Restoring non-discrimination protections in health
care. I will immediately reverse the Trump administration’s
terrible proposed rule permitting
health plans and health providers to discriminate against women, LGBTQ+ people,
individuals with limited English proficiency, and others.
Ending the Trump administration’s assault on reproductive
care. I’ll roll back the Trump administration’s domestic and global
gag rules, which deny Title X and USAID funding to health care providers who
provide abortion care or even explain where and how patients can access safe,
legal abortions. And I will overturn the Trump administration’s embattled proposed rule to
roll back mandatory contraceptive coverage.
Strengthen the Affordable Care Act
As president I will use administrative tools to strengthen
the ACA to reduce costs for families and expand eligibility. Key steps include:
Stop families from being kicked out of affordable
coverage. Because of something called the “family glitch,” an
entire family can lose access to tax credits that would help them buy health
coverage if one parent is offered individual coverage with a premium less than
9.86% of their family income. I’ll work to make sure that a family’s access to
tax credits is based on the affordability of coverage for the whole family –
not just one individual – so families who don’t actually have access to
affordable alternatives don’t lose their ACA tax credits.
Expand eligibility to all legally present
individuals. I’ll also work to extend eligibility for ACA tax credits
to all people who are legally present, including those eligible for the
Deferred Action for Childhood Arrivals program.
Put money back in workers’ pockets. The
Affordable Care Act requires insurance
companies to spend at least 80 percent of total premium contributions on health
care claims (and, in many cases, at least 85 percent), leaving the rest to be
spent on plan administration, marketing, and profit. Insurers who waste money
must issue rebates – but too often, these are returned to employers who don’t pass
on the savings to their employees. Insurance companies are expected to pay
out $1.3 billion in
rebates in 2019, with employers in the small-group market receiving an average
rebate of $1,190 and employers in the large-group market receiving an average
rebate of $10,660. My plan will require employers to pass along the full value
of the rebate directly to employees.
As president I will use administrative tools to strengthen
Expand Dental Benefits. The Medicare statute
prohibits coverage of dental care that is unrelated to other medical care,
unless it is medically necessary. This has been interpreted to largely exclude
any oral health care. As a result, almost two-thirds of
Medicare beneficiaries, or nearly 37 million people, lack access to dental
benefits. I will use my administrative authority to clearly expand the
medically necessary dental services Medicare can provide, improving the health
of millions of Medicare beneficiaries.
Stop private Medicare Advantage plans from bilking
taxpayers. Roughly one-third of Medicare beneficiaries get coverage
through a private Medicare Advantage plan. Medicare payments to these plans for
each enrollee are supposed to reflect the cost of covering that person through
traditional Medicare, but overwhelmingevidence shows that
these private plans make their enrollees appear sicker on paper than they
actually are to earn inflated payments at the expense of taxpayers. Some suggest that this
adds $100 billion or more to Medicare spending over ten years. My
administration will put an end to this fraud.
As president I will use administrative tools to strengthen
Medicaid and potentially allow millions more to access the program.
Use waiver authority to increase Medicaid eligibility. With
the approval of the federal government, states can use Section 1115
demonstration waivers to expand coverage to people who aren’t otherwise
eligible for Medicaid. Currently, however, states can only obtain these waivers
if projected federal spending under the new program will not be higher than without the
waiver. While I pursue legislative reforms to expand coverage, I’ll
also change this administrative restriction to allow these demonstrations to
fulfill their promise of providing affordable health coverage, including
working with states that want to expand Medicaid to uninsured individuals and
families above the statutory upper limit of Medicaid (138% of the poverty
level). Any state that chooses to expand in this way will not be penalized for
doing so when full Medicare for All comes online.
Streamlining eligibility and enrollment. Far too
many people miss out on Medicaid coverage because of red tape. Some states take
coverage away if someone misses just one piece of mail or forgets to notify the
state within 10 days of a change in income. These kinds of harsh policies help
explain why more than a million children “disappeared” from the
Medicaid and CHIP programs in the past year. I will eliminate these kinds of
unfair practices, and instead work with states to make it easier for everyone –
families, children, and people with disabilities – to maintain this essential
Ensuring access to care for beneficiaries in managed care
plans. I’ll roll back the Trump administration’s proposed changes to
rules regulating Medicaid managed care plans, which would dilute important
standards, such as requiring health plans to maintain adequate provider
networks guaranteeing access to care for Medicaid enrollees.
Antitrust Enforcement for Hospitals and Health
For years, both horizontal
mergers (where hospitals purchase other hospitals) and vertical mergers (where
hospitals acquire physician practices) have produced greater hospital and
health system consolidation, contributing to the skyrocketing costs of health
care. Today, “not a single
highly competitive hospital market remains in any region of the United
States.” Study after studyshowsthat mergers mean higher prices, lower quality,
and increased inequality due to the growing wage gap between
hospital CEOs and everyone else. Bringing down the cost of health care means
enforcing competition in these markets.
As president, I will appoint aggressive antitrust enforcers
who recognize the problems with hospital and health system consolidation to the
Department of Justice and Federal Trade Commission. My administration will also
conduct retrospective reviews of significant new mergers, and break up mergers
that should never have taken place.
Bringing Health Records into the 21st Century
Congress spent $36 billion to get
every doctor in America using electronic health records, but we still do not have adequate digital
information flow in health care – in part because two big
companies make up about 85% of the market for
medical records at big hospitals. As they attempt to capture more of the
market, these companies are making it harder for systems to communicate with each other. My
administration will ramp up the enforcement against information blocking by big
hospital systems and health IT companies, and I will appoint leaders to the FTC
and DOJ who will conduct a rigorous antitrust investigation of the health
records market, especially in the hospital space.
Elevating the Voices of Workers in the Transition to
Medicare for All
The fundamental goal of my presidency will be returning
power to working people. Medicare for All accomplishes that by giving every
American high-quality coverage and freeing them from relying on the whims of
their employers or private insurance companies for the health care they need.
My plan to transition to Medicare for All will also put working people first,
and elevate their voices at each stage of the process.
My plan seeks to build on the achievements of generations of
working people and their unions who have fought for and won health care. I view
good health plans negotiated through collective bargaining as a positive
achievement for working people, and I will seek as part of the first phase of
my plan the elimination of the excise tax on those plans.
In my first weeks in office, I will issue an Executive Order
creating a commission of workers (including health care workers), union
representatives, and union benefit managers that I will consult at every stage
of the transition process. The commission will be responsible for providing
advice on each element of the transition to Medicare for All, including, at a
Ensuring workforce readiness and adequate access to care
across all provider types.
Determining national standards of coverage and benefits,
including long-term care.
Learning from successful existing non-profit health care
administrators and integrating them into the new Medicare for All system.
Ensuring a living wage for all health care workers and that
savings generated within the new system by hospitals and other health care
employers are shared fairly with all of the workers in the health care system.
Ensuring that workers are able to use the collective
bargaining process during the transition period and under the new Medicare for
All system to ensure both effective health outcomes and to ensure that savings
generated by the new system are fairly shared with workers.
In administering the Medicare for All system, my
administration will also rely on unions’ expertise on designing good benefits
for workers and helping workers navigate our health care system. During the
transition to Medicare for All – and even when we ultimately reach a full
Medicare for All system – my administration will seek to partner with
collectively bargained non-profit health care administrators. For example, we
will draw upon their expertise in helping workers choose providers, and look
for opportunities to enter into contracts with the administrators of unions’ collectively
bargained health plans to provide these services. And my plan will guarantee
that union-sponsored clinics are included within the Medicare for All system
and will continue serving their members.
Finally, Medicare for All will be an enormous boost to
the economy, lifting a weight off of both workers and businesses and creating
good new jobs, including in administering health care benefits. Still, the
Medicare for All legislation includes billions of dollars to provide assistance
to workers who may be affected by the transition to Medicare for All, and I
plan on consulting with the new worker commission and other affected parties to
ensure that money is spent as effectively as possible. In the past, transition
assistance programs have been underfunded and have not been as responsive as
they should have been to the actual needs of workers. That will not be the case
in my administration. No worker will be left behind.
Legislation to Expand Medicare and Create a True Medicare
for All Option
In 2017, Senate Republicans came within one vote of
shredding the Affordable Care Act and taking health care coverage away from
more than 20 million people. How did they get so close? By using a fast-track
legislative process called budget reconciliation, which only requires 50 votes
in the Senate to pass laws with major budgetary impacts. President Obama also
used this process to secure final passage of the Affordable Care Act.
I am a strong supporter of eliminating the filibuster, which
I believe is essential to preventing right-wing Senators who function as wholly
owned subsidiaries of major American industries from blocking real legislative
change in America. Any candidate for president who does not support this change
should acknowledge the extreme difficulty of enacting their preferred
legislative agenda. But I’m not going to wait for this to happen to start
improving health care – and I’m not going to give Mitch McConnell or the
Republicans a veto over my entire health care agenda.
That’s why, within my first 100 days, I will pass my own
fast-track budget reconciliation legislation to enact a substantial portion of
my Medicare for All agenda – including establishing a true Medicare for All
option that’s free for millions and affordable for everyone.
A True Medicare for All Option. There are many
proposals that call themselves a Medicare for All “public option” – but most of
them lack the financing to actually allow everyone in America to choose true
Medicare for All coverage. As a result, these proposals create the illusion of
choice, when in reality they offer tens of millions of Americans the decision
between unaffordable private insurance and unaffordable public insurance. A
choice between two bad options isn’t a choice at all.
My approach is different.
Because I have identified trillions in revenue to finance a
fully functioning Medicare for All system – without raising taxes on the middle
class by one penny – I can also fund a true Medicare for All option. The plan
will be administered by Medicare and offered on ACA exchanges. Here are its key
Benefits. Unlike public option plans, the
benefits of the true Medicare for All option will match those in the Medicare
for All Act. This includes truly comprehensive coverage for primary and
preventive services, pediatric care, emergency services and transportation,
vision, dental, audio, long-term care, mental health and substance use, and
Immediate Free Coverage for Millions. This plan
will immediately offer coverage at no cost to every kid under the age of 18 and
anybody making at or below 200% of the federal poverty level (about $51,000 for
a family of four) – including individuals who would currently be on Medicaid,
but live in states that refused to expand their programs.
Free, Identical Coverage for Medicaid
Beneficiaries. States will be encouraged to begin paying a
maintenance-of-effort to the Medicare for All option in exchange for moving
their Medicaid populations into this plan and getting out of the business of
administering health insurance. For states that elect to maintain their
Medicaid programs, Medicaid premiums and cost sharing will be eliminated, and
we will provide wraparound benefits for any Medicare for All option benefits
not covered by a state’s program to ensure that these individuals have the same
free coverage as Medicaid-eligible people in the Medicare for All option.
Eventual Free Coverage for Everyone. This plan
will begin as high-quality public insurance that covers 90% of costs and allows
people to utilize improved ACA subsidies to purchase coverage and reduce cost
sharing. There will be no premiums for kids under 18 and people at or below
200% of the federal poverty level. For individuals above 200% FPL, premiums
will gradually scale as a percentage of income and are capped at 5.0% of their
income. Starting in year one, the plan will not have a deductible — meaning
everyone gets first dollar coverage, and cost sharing will be zero for people
at or below 200% FPL. Cost sharing will scale modestly for individuals at or
above that level, with caps on out-of-pocket costs. In subsequent years,
premiums and cost sharing for all participants in this plan will gradually
decrease to zero.
Reducing Drug Prices. The Medicare for All
option will have the ability to negotiate for prescription drugs using the
mechanisms I’ve previously outlined,
helping to drive down costs for patients.
Automatic Enrollment. Anyone who is uninsured or
eligible for free insurance on day one, excluding individuals who are over 50
and eligible for expanded coverage under existing Medicare, will be
automatically enrolled in the Medicare for All option. Individuals who prefer
other coverage can decline enrollment.
Employee Choice. Workers with employer coverage
can opt into the Medicare for All option, at which point their employer will
pay an appropriate fee to the government to maintain their responsibility for
providing employee coverage. In addition, unions can negotiate to include a
move to the Medicare for All option via collective bargaining during the
transition period, with unionized employers paying a discounted contribution to
the extent that they pass the savings on to workers in the form of increased
wages, pensions, or other collectively-bargained benefits. This will support
unions and ensure that the savings from Medicare for All are passed on to
workers in full, not pocketed by the employer.
Provider Reimbursement and Cost Control. I
have identified cost
reforms that would save our health system trillions of dollars when implemented
in a full Medicare for All system. The more limited leverage of a Medicare for
All option plan will accordingly limit its ability to achieve these savings –
but as more individuals join, this leverage will increase and costs will go
down. Provider reimbursement for this plan will start above current Medicare
rates for all providers, and be reduced every year as providers’ administrative
and delivery costs decrease until they begin to approach the targets in my
Medicare for All plan. The size of these adjustments will be governed by
overall plan size and the progress of provider adjustment to new, lower
Expand and Improve Existing Medicare for Everyone Over
50. In addition to the Medicare for All option, any person over the
age of 50 will be eligible for expanded coverage under the existing Medicare
program, whose infrastructure will allow it to absorb new beneficiaries more
quickly. The expanded Medicare program will be improved in the following
Benefits. To the greatest extent possible,
critical benefits like audio, vision, full dental coverage, and long-term care
benefits will be added to Medicare, and we will legislate full parity for
mental health and substance use services.
Eventual Free Coverage for Everyone. Identical
to the Medicare program, enrollees will pay premiums in Part B and D, with a
$300 cap on drug costs in Part D. Plugging a huge hole in the current Medicare
program, out-of-pocket costs will be capped at $1,500 per year across Parts A,
B, and D, eliminating deductibles and reducing cost sharing. In subsequent
years, premiums and cost sharing will gradually decrease to zero.
Employee Choice. Identical to the Medicare for
All option, workers 50-64 can opt into expanded Medicare, at which point their
employer will pay an appropriate fee to the government to maintain their
responsibility for providing employee coverage.
Reducing Drug Prices. The expanded Medicare
program will receive the ability to negotiate for prescription drugs using the
mechanisms I’ve previously outlined,
helping to drive down costs for patients. And we will create a publicly run
prescription drug plan that is benchmarked off the best current Part D
Automatic Enrollment. Every person without
health insurance over the age of 50 will be automatically enrolled in the
expanded existing Medicare program.
Provider Reimbursement and Cost Control. Provider
reimbursement for new beneficiaries will start above current Medicare rates for
all providers, and be reduced every year as providers’ administrative and
delivery costs decrease until they begin to approach the targets in my Medicare
for All plan. It will be a new condition of participation that providers who
take Medicare or other federally subsidized insurance also take the Medicare
for All option. We will also adopt common sense reforms to bring down bloated
reimbursement rates, including reforms around post-acute care, bundled
payments, and site neutral payments.
Improving the Affordable Care Act. My reforms
will also strengthen Affordable Care Act plans – including the new Medicare for
All option – by making the following changes:
Expand Tax Credit Eligibility. We will lift the
upper limit on eligibility for Premium Tax Credits, allowing people over 400%
of the federal poverty level to purchase subsidized coverage and greatly
increasing the number of people who receive subsidies.
Employee Choice. We will allow any person or
family to receive ACA tax credits and opt into ACA coverage, regardless of
whether they have an offer of employer coverage. If an individual currently
enrolled in qualifying employer coverage moves into an ACA plan, their employer
will pay an appropriate fee to the government to maintain their responsibility
for providing employee coverage.
Lower Costs. Right now, people may pay up to 9.86% of their
income before they get subsidies. Under my plan, this cap would be lowered –
and to make sure those tax credits cover more, we will benchmark them to more
generous “gold” plans in the Marketplace. And we will increase eligibility for
cost sharing reductions, ensuring that more individuals can get into an
affordable exchange plan immediately.
Eliminate the Penalty for Getting a Raise. Right
now, if someone’s income goes up, they can be forced to repay thousands of
dollars in back premiums. We will change this and base tax credits on the
previous year’s income. And if someone’s income goes down, they will get the
higher subsidy for that year.
State Single-Payer Innovation Waivers. To help
states try out different payer arrangements and pilot programs, we will allow
states to receive passthrough funding to expand or improve coverage via the
ACA’s Section 1332 waivers. Combined with Medicaid waivers, these changes will
allow interested states to start experimenting immediately with consolidating
public payers and move towards a single-payer system.
Additional Financing. My plan to pay for
Medicare for All identifies $20.5 trillion in new revenue, including an
Employer Medicare Contribution, which will cover the long-term, steady-state
cost of a fully functioning Medicare for All system. The cost of this
intermediate proposal will be lower. Any revenue needed to meet the
requirements of fast-track budget reconciliation will be enacted as part of
this legislation from the financing options that I have already proposed.
Additional Health System Reforms to Save Money and Lives
After pursuing administrative changes, expanding existing
Medicare, and creating a true Medicare for All option, every person in the
United States will be able to choose free or low-cost public insurance. Tens of
millions will likely do so. But we can’t stop there. We must pursue additional
reforms to our health system to save money and save lives. Some of my
Investing in Medical Miracles. Many medical
breakthroughs stem from federal investments in
science – but in 2018, 43,763 out of 54,834 research
project grant applications to the National Institutes of Health (NIH) were
rejected. We will boost medical research by investing an additional $100
billion in guaranteed, mandatory spending in the NIH over ten years, split
between basic science and the creation of a new National Institute for Drug
Development that will help take the basic research from the other parts of NIH
and turn it into real drugs that patients can use. We will prioritize
treatments that are uninteresting to big pharmaceutical companies but could
save millions of American dollars and lives. Any drugs that come out of this
research and to American consumers can be sold abroad, with the proceeds
reinvested to fund future breakthrough drug development. And by enacting my
Affordable Drug Manufacturing Act, the government can manufacture generic drugs
that are not available due to cost or shortage.
Ending the Opioid Epidemic. The opioid epidemic
is a public health emergency. In 2017, life expectancy in the United States
dropped for the third year in a row, driven in large part by deaths from drug
overdoses. We will enact my legislation, the CARE Act, to invest $100 billion
in federal funding over the next ten years in states and communities to fight
this crisis – providing resources directly to first responders, public health
departments, and communities on the front lines of this crisis.
Improved Administration. To cut down on time
wasted on paperwork, we will create single standardized forms for things like
prior authorizations and appeals processes to be used by all insurers (private
and public), and we will establish uniform medical billing for insurers and
All-Payer Claims Database. Right now, there are so
many middlemen in health care that no one knows for certain how much we pay for
different services across the whole system. A centralized repository of
de-identified claims data will help the government, researchers, and the market
better understand exactly what we pay for health care and what kind of quality
it gets us. Demystifying what we pay for what we get will be a critical part of
ensuring fair reimbursement under Medicare for All.
Antitrust Enforcement. In addition to
administrative actions to rein in anti-competitive hospital and electronic
medical record practices, we’ll also ban non-compete and no-poach agreements
and class action waivers across the board, while making it easier for private
parties to sue to prevent anti-competitive actions. I’ll work with states to
repeal Certificate of Public Advantage, or COPA, statutes
that shield health care
organizations from federal antitrust review and can lead to the
creation of large monopolies with little to no oversight. And I’ll also push to
ensure our antitrust laws apply to all health care mergers.
Ending Surprise Billing. Imagine being a woman
who schedules her baby’s delivery with her obstetrician at an in-network
hospital, but it turns out that the anesthesiologist administering the epidural
isn’t in-network. Even though she had no choice – and probably had no idea that
doctor was out-of-network – under the current system she gets hit with a huge
bill. We will end the practice of surprise billing by requiring that
services from out-of-network doctors within in-network hospitals, in addition
to ambulances or out-of-network hospitals during emergency care, be treated as
in-network and paid either prevailing in-network rates or 125% of the Medicare
reimbursement rate, whichever is lower.
Preventing Provider Shortages. With more people
seeking the care they need, it will be essential to increase the number of
providers. I will make these
critical investments in our clinicians, including by dramatically scaling up
apprenticeship programs to build a health care workforce rooted in the
community. I will lift the cap on residency placements, allowing 15,000 new
clinicians to enter the workforce. I will expand the National Health Service
Corps and Indian Health Service loan repayment program to allow more health
professionals – including physicians, physician assistants, registered nurses,
nurse practitioners, and other licensed practitioners – to practice in
underserved communities. I will also provide grants to states that expand
scope-of-practice to allow more non-physicians to practice primary care. And I
will push to close the
mental health provider gap in schools.
Completing the Transition to Medicare For All
By pursuing these changes, we will provide every person in
America with the option of choosing public coverage that matches the full
benefits of Medicare for All. Given the quality of the public alternatives,
millions are likely to move out of private insurance as quickly as
No later than my third year in office, at which point the
number of individuals voluntarily remaining in private insurance would likely
be quite low, I will fight to pass legislation to complete the transition to
the Medicare for All system defined by the Medicare for All Act by the end of
my first term in office.
Moving to this system would mean integrating everyone into a
unified system with zero premiums, copays, and deductibles. Senator Sanders’s
Medicare for All Act allows for supplemental private insurance to cover
services that are not duplicative of the coverage in Medicare for All; for
unions that seek specialized wraparound coverage and individuals with
specialized needs, a private market could still exist. In addition, we can
allow private employer coverage that reflects the outcome of a collective
bargaining agreement to be grandfathered into the new system to ensure that
these workers receive the full benefit of their bargain before moving to the
new system. But the point of Medicare for All is to cut out the middleman.
Every successful effort to move the United States to create
and expand new social programs – like Social Security and Medicare and Medicaid –
has required multiple steps. In fact, every credible Medicare for All proposal
has a significant, multi-step transition built in. That’s why it’s important to
have both short-term goals and long-term goals to guide the process and to
deliver concrete improvements to people’s lives at every stage.
I believe the next president must do everything she can
within one presidential term to complete the transition to Medicare for All. My
plan will reduce the financial and political power of the insurance companies –
as well as their ability to frighten the American people – by implementing
reforms immediately and demonstrating at each phase that true Medicare for All
coverage is better than their private options. I believe this approach gives us
our best chance to succeed.
Why do we need to transition to Medicare for All if a robust
Medicare for All option is available to everyone? The answer is simple and
blunt: cost and outcomes. Today, up to 30% of
current health spending is driven by the costs of filling out different
insurance forms and following different claims processes and fighting with
insurance companies over what is and is not covered. I have demonstrated how a
full Medicare for All system can use its leverage to wring trillions of dollars
in waste out of our system while delivering smarter care – and I’ve made clear exactly
how I would do it. The experience of other countries shows that this system is
the cheapest and most efficient way to deliver high-quality health care. As
long as duplicative private coverage exists, we will limit our ability to make
health care delivery more effective and affordable – and the ability of private
middlemen to abuse patients will remain.
Medicare for All will deliver an $11 trillion boost to
American families who will never pay another premium, co-pay, or deductible.
That’s like giving the average working family in America a $12,000 raise. This
final legislation will put a choice before Congress – maintain a two-tiered
system where private insurers can continue to profit from being the middlemen
between patients and doctors, getting rich by denying care – or give everybody
Medicare for All to capture the full value of trillions of dollars in savings
in health care spending. I believe that the American people will demand
Congress make the right choice.
Senator Elizabeth Warren released her plan to support and protect America’s veterans, service members and military families ahead of Veterans Day.
“All three of my
brothers served, so I know the responsibility we have to our service members,
military families, and veterans. As Commander-in-Chief, I will lead our Armed
Forces with awareness of the unique challenges service members and military
families face, and the difficulties veterans encounter as they navigate VA
during their transition to civilian life. I will honor our troops not only by
executing sound military strategy, but also by caring for our veterans after
they take off the uniform. And I will prioritize our most important strategic
asset – our people – as I reform Pentagon spending and address our most
pressing national security crises. The way I see it, this is not complicated.
It’s about a government that keeps its promises to those who served — it’s
about our values. “
This is from the
Charlestown, MA – As President, Senator Elizabeth Warren pledged to:
Raise service members’ pay at or above the Employment Cost
Index and protect earned benefits, ensuring that total compensation remains
competitive with the civilian sector and that it reflects the unique demands of
Prioritize family readiness by addressing spouse employment,
housing, child care and education, and take care of military caregivers
Expand mental health services and work to end military
suicide by setting a goal of cutting veterans’ suicides in half within her
Tackle sexual assault and prosecute sexual harassment as a
stand-alone crime under military law
Enforce equal treatment for all who serve, including women,
immigrants, and LGBTQ+ service members
Ease the transition for veterans by eliminating the benefits
backlog and establishing a “warm hand-off” between DOD and VA
Reject attempts to privatize the VA by investing in a VA
worthy of the veterans it serves — to provide the high-quality,
evidence-based, culturally competent programs that our veterans rely on for
years to come.
As a member of the Senate Armed Services Committee,
Elizabeth has worked to achieve pay raises for senior enlisted
personnel, fix repeated promotion delays for
our National Guard, and fought to protect military families from fraud and
abuse. Major provisions of her bill with Congresswoman Deb Haaland (D-N.M.) to
address unsafe and unsanitary housing conditions on military bases were
included as part of the Senate-passed FY2020 NDAA.
Keeping Our Promises to Our Service Members, Veterans,
and Military Families
This Veterans Day, Americans will gather in towns and cities
across our country to thank our military personnel past and present. With three
brothers who served, this day is especially meaningful to me.
Less than 1% of the U.S. population currently serves in
uniform. And while Americans rightly honor their service on November 11, too
often the day-to-day sacrifices of military families go unseen and unremarked.
Parades and salutes to the troops are important ways that Americans express
their gratitude, but they’re only platitudes if they’re not backed up with
meaningful action and policies that support our military both during and after
service — not just on Veterans Day, but every day.
For me, that starts with care in how we deploy our forces
abroad. Defense policy is veterans policy. For decades, we have been mired in a
series of wars that have sapped our strength and skewed our priorities. As a
member of the Senate Armed Services Committee, I have seen up close how 18
years of conflict have degraded equipment, eroded our forces’ readiness, and
postponed investment in critical military capabilities.
The burden of these wars has fallen primarily on our
military personnel, who have endured repeated deployments in dangerous places
around the globe year after year, and their families. 7,027 American
service members have lost their lives, almost 60,000 have been
injured, and countless more live every day with the invisible wounds of war.
I know our service members and their families are smart,
tough, and resourceful — they will accomplish any mission we ask of them,
whatever the cost. But it’s not fair to our men and women in uniform to ask
them to solve problems that don’t have a military solution. Nor is it fair to
them when we refuse to make the tough calls to change course when our
strategies aren’t working.
A strong military should act as a deterrent so that most of
the time, we won’t have to use it. We can honor our veterans by ending these
endless wars, reining in our bloated defense budget and reducing the influence of defense
contractors at the Pentagon, and bringing our troops home
responsibly — and then providing our veterans with the benefits they’ve
earned. That’s why today I’m introducing my plan to care for our nation’s
veterans, service members, military families, and survivors.
Protecting Earned Benefits for Those Who Serve
In prior generations, America experienced a tight
relationship between people in uniform and the rest of our nation. For a host
of reasons, however, our all-volunteer military is becoming more and more distant
from the population it serves. In recent years the military has sometimes
struggled to attract and retain sufficient personnel to meet recruitment
targets, in both raw numbers and increasingly technical skill sets. A majority of young
people are ineligible to serve, and low unemployment rates and declining propensity for
military service mean that even fewer apply to serve in today’s military. Many
who enlist do so because they have a family member who
It is clear that the services must do more to compete with
21st century careers and employers to continue to attract and retain the best
for the All Volunteer Force. That means more flexible talent management systems
and improved quality of life for service members and their families — and it
also means preserving best-in-class benefits for our military personnel. But
it’s about more than recruitment and readiness. It’s about honoring the
commitment of those who choose to serve with commitments of our own.
Guaranteeing Pay and Benefits
In past years, Congress and the Pentagon have too often
sought to balance the budget on the backs of our service members through
proposals for lower pay raises, increased out-of-pocket costs, and cuts to
benefits like housing and commissaries. Proposals that undermine total
compensation are a betrayal of our obligation to our service members, and they
undermine our ability to recruit and retain the best possible All Volunteer
To ensure that compensation remains competitive with the
civilian sector and that it reflects the unique demands of military life, as
President I will propose pay raises at or above the Employment Cost Index. I’ll
ensure that benefits such as housing allowances keep pace with market rates in
base communities, and work to ensure that service members are educated and
empowered to make decisions about their retirement and savings choices in light
of new options for blended retirement.
Empowering Military Students
Over the past 70 years, the GI Bill has helped send millions
of veterans to college, easing their transition to civilian life, and
contributing to our economic growth. I am committed to ensuring these benefits
are guaranteed and protected in the future — for our veterans and their family
members. I’ve fought to expand eligibility for educational benefits, including
by working to provide Post-9/11 GI Bill benefits for Purple Heart recipients who
were not previously eligible, and expanding the Yellow Ribbon education program
to cover families of
fallen service members.
As benefits have increased — and increased in complexity —
as a result of GI Bill expansions, VA has scrambled at times to keep up,
leaving military students in the lurch. I’ve worked to ensure that delays at VA
don’t negatively impact student veterans, including by helping to pass a
bipartisan measure to protect student veterans’ access to education in
the event of delayed GI Bill disbursements.
Too often, the benefits provided to military and veteran
students have made them targets for predatory lenders and shady for-profit
schools. I’ve fought to protect students from these scams, including by
obtaining refunds for military borrowers cheated by loan servicers like
Navient. I also fought to restore GI benefits to
those cheated by fraudulent for-profit colleges like ITT Tech and Corinthian
But there is more to be done. My plan for affordable higher
education will make two- and four-year public college free, and
cancel student loan debt up to $50,000 for 42 million Americans — helping
thousands of military families burdened with higher education expenses beyond
what is covered by the GI Bill, and ensuring all of our veterans and their
families have the chance to get essential job training and degrees without
taking on a dime of student loan debt. My plan also completely cuts shady
for-profit colleges off from federal aid dollars, which will end their abuse of
veteran students for their GI Bill benefits once and for all.
Preventing Fraud and Abuse
When I set up the Consumer Financial Protection Bureau, I
made protecting service members and veterans a priority. We established an
Office of Servicemember Affairs, and I recruited Holly Petraeus to run it.
Together, we met with active-duty service members and families to discuss
financial issues, including the base where two of my brothers completed their
I saw firsthand that today’s military families face
difficult financial challenges as they try to make ends meet, balancing
multiple deployments with raising a family. Some even told me that they felt like
they were fighting two wars at once – one in a distant war zone and another
here at home against creditors. But I’m proud to say that since 2011, the
office we established has heard from over 90,000 service
members from all 50 states and saved them nearly $230 million, providing
some measure of relief for our military families.
I’ve made fighting for military families a similar priority
in the Senate. I fought to prevent predatory lenders from “loan churning,” or
repeatedly refinancing VA-backed mortgages to pocket hefty fees. I
successfully expanded financial protections for
Gold Star spouses, passing a bipartisan bill to allow a survivor to terminate a
residential lease within one year of a service member’s death. And I worked
with my Republican colleagues in Congress to pass my Veterans Care Financial
Protection Act to protect low-income and older veterans in assisted care from
scams targeting their pension benefits.
As President, I’ll work with Congress to give the CFPB new
tools and additional authority to enforce the Servicemembers Civil Relief Act.
And I’ll appoint individuals at the CFPB and DOJ who will use the full extent
of those authorities to aggressively go after scammers and protect our men and
women in uniform. Criminals and predators will keep coming up with new and
creative ways to target the military community. We must be vigilant — but
military families can feel confident that a Warren Administration will always
have their backs.
Prioritizing Family Readiness
Military families form the backbone of our armed forces.
Just like other middle-class families, they worry about making ends meet:
finding child care, giving their children a good education, retiring with
dignity. But military families — particularly dual military couples — also
face special challenges, like regular moves from assignment to assignment and
the anxiety of a loved one’s deployment. And too often, the unique needs of
military communities are overlooked by Washington.
A Warren Administration will continue and expand current policy of
weighing basing and force structure decisions to account for quality of life
factors in the surrounding communities, including safe living environments,
available child care, quality of public schools, and employment opportunities
and licensing reciprocity for military spouses. There’s also a lot more we can
do to support and uplift our military families.
Increasing Military Spouse Employment
A majority of
military families report two incomes as vital to their family’s well-being. But
employment opportunities for military spouses are hindered by a variety of
factors, including frequent moves and lack of available child care at some
posts. Last year 30% of military
spouses were unemployed, and 56% of working
spouses reported being underemployed. Spouses in fields that require professional
licenses face an additional challenge, as occupational licensing and
credentialing standards vary from state to state.
Reduced spousal employment isn’t just bad for military
families — it results in up to $1 billion annually
in lost income and associated costs. We need to make spousal employment a
The Obama Administration made real progress in encouraging
states to offer licensing and credentialing reciprocity for the military
community — now we need to finish those efforts to remove barriers to military
We can start by making permanent the program to reimburse military spouses for
professional relicensing. I’ll also work with states to provide military
families with a one-stop shop where they can review licensing requirements
before a move.
I’ll also work with Congress to expand and better
communicate about special hiring preferences for on-base jobs for military
spouses and at American Job Centers. These preferences not only benefit
spouses, they help build communities on military installations.
We’ll expand educational opportunities like MyCAA for
military spouses, and provide targeted training for high-demand, high-growth
sectors and to help military spouses find careers that can move with
Military spouses bring unique strengths to the workforce —
it’s time we leverage those strengths to benefit not only our military families
but our economy.
Ensuring High Quality Childcare and Education
As a young working mother, child care almost sank me —
until my Aunt Bee stepped in to help. But finding affordable and high-quality
child care has gotten even harder since my children were growing up, and not
everyone is lucky enough to have an Aunt Bee of their own.
That’s why I have a plan to provide universal child
care for every single one of our babies from birth to school
age. It will be free for millions of American families, and affordable for
everyone. The federal government will partner with local providers to create a
network of child care options that would be available to every family. These
options would be held to high federal standards, and we’ll pay child care and
preschool workers the wages they deserve. And rather than diverting funding from
military daycare programs for a needless wall, I’ll invest again in growing DOD
child care centers and modernizing schools on base.
We’ll move forward with efforts to
introduce more flexibility into the personnel system for families who want to
limit moves for assignments, while ensuring that option does not hamper the
service member’s ability to get promoted and advance their military career.
We’ll invest the resources necessary to ensure families (and their household
goods) are no longer subjected to chaos and mistakes that
can impact the experience of transitioning to a new assignment. And we’ll seek
to limit family moves during the academic year — when they must occur, we’ll
provide dedicated support to families as they navigate transferring educational
Every military family is unique, and some have unique needs.
I’ll work to improve oversight and standardize DOD’s
Exceptional Family Member Program to care for dependents with special needs. We
need to do more to empower military families to make informed decisions,
taking their individual circumstances into account during relocation and
providing dedicated case management to help military families identify
appropriate programs and interventions regardless of their location. Supporting
these families isn’t just the right thing to do, it’s also good for military
Wounded Warriors and their Families
About 30% of
veterans between the ages of 21 and 64 have a disability. As president, I will
keep fighting for the rights of people with disabilities and to ensure their
full inclusion through policy reforms and enforcement priorities. This includes
prioritizing the unique challenges that face veterans with disabilities.
As part of my plan to empower American workers,
I have committed to substantially increasing funding for the Equal Employment
Opportunity Commission to uphold the rights
of veterans with disabilities at work. I will also ensure that the Department
of Labor is enforcing the law to protect disabled
veterans againist work discrimination. I support the Raise the Wage Act to
guarantee workers with disabilities a minimum wage of $15 an hour, and I will
push to pass the Transformation to Competitive
Employment Act, which would provide grants and assistance to support
a transition towards competitive, integrated employment for people with
It is often family members who care for injured service
members and veterans — in some cases, putting aside careers and other
opportunities to provide assistance to our wounded warriors. According to a
2014 report, there were approximately 5.5 million military
caregivers in the United States — but the physical and emotional strain on
this population is understudied and overlooked.
Medicare for All will expand access to long-term home and
community-based care, offering critical support and relieving the financial
burden on veterans and their families. A Warren Administration will also
empower our nation’s military caregivers by fully implementing the recommendations of
the federal advisory panel on caregiving. We’ll create an office within VA
focused on the needs of caregivers, ensuring that their voices are heard in the
policymaking process and that VA is fully communicating available resources.
We’ll ensure that caregivers are formally designated in a patient’s medical
record, so that they can be consistently included in medical planning about the
course of care. We’ll collect better data on the caregiver population and their
needs, including the impact on military children. And we’ll make sure we’re
also caring for the caregivers, themselves, including respite care.
To recognize caregiving for the valuable work it is, my plan to expand Social Security creates
a new credit for caregiving for people who qualify for Social Security
benefits. This credit raises Social Security benefits for people who take time
out of the workforce to care for a family member at least 80 hours a month,
including designated “primary family caregivers” of eligible veterans in the
Caregiver Support Program. For every month of caregiving that meets these
requirements, the caregiver will be credited for Social Security purposes with
a month of income equal to the monthly average of that year’s median annual
Lastly, I support eliminating the so-called “Widow’s Tax” and efforts
to ensure that all families of veterans who died or became totally disabled
from a service-connected condition receive the Dependency and Indemnity
Compensation (DIC) benefits that they are entitled to.
Providing Safe and Affordable Housing
In the mid-1990s, the Department of Defense agreed to
privatize the majority of the 300,000 houses it owned and operated on base,
many of which were in need of renovation after
decades of neglect. It was a good deal for the private developers, but this
system has turned out to be a lousy bargain for military families. With their
focus on short-term payoffs, private developers failed to
invest in and maintain the properties with which they were entrusted. That’s
why earlier this year, I released my plan to improve military housing by
ensuring that every base has a housing office staffed with advocates for the
service member and establishing a “bill of rights” that all military tenants
will receive when they move in.
And for those families who choose to live off base, and for
veterans, my plan to increase affordable housing makes
a historic federal investment to increase affordable housing supply, lowering
rents around the country by 10%. And while cost is a major challenge to finding
safe and affordable housing, too many service members and veterans face
additional obstacles, including landlords who don’t understand the
housing benefits they receive for their service and those who turn away service
members and veterans because of discriminatory stereotypes. My affordable
housing plan extends protection against discrimination under the Fair Housing
Act to include veteran status, which would include those using HUD-VASH
vouchers. I have also pushed hard for more resources for programs to end
veterans’ homelessness, including the successful Tribal HUD-VASH program to
assist Native American veterans who are homeless or at risk of homelessness
find homes in Indian country.
Putting Service Members and Veterans First
Nearly two decades of combat has put significant stress on
the force, and this will continue to manifest itself long after combat
operations are over. Our first priority must be the care and safety of those
who serve or have served in uniform.
Eliminating Military Sexual Assault
For decades, the military has affirmed a “zero tolerance
policy” — and yet reports of sexual assault in the military have spiked. In
2018 alone, the Department of Defense estimated that more than 20,000 service
members experienced assault or unwanted sexual contact. These statistics are a
shameful breach of trust with those who serve. Annual promises from senior
military leaders to address the issue increasingly ring hollow — we owe it to
our service members to make real change.
Currently, skilled military prosecutors make an
evidence-based recommendation on whether or not a case should proceed to trial,
but then military commanders get to decide whether or not they want to listen.
That’s why I supported Senator Gillibrand’s effort to
remove cases of sexual assault from the chain of command and place trained
prosecutors in charge instead. It’s simple – if evidence of a crime warrants a
trial, then the case should go to trial. We need to reform the military justice
system so that the lawyers and judges trying cases have the necessary
experience and expertise, and so that every victim of a sexually-based crime
benefits from a competent, empowered advocate from the very first day they
We need to change the culture. Sexual harassment and sexual
assault are correlated— and 24% of
military women and 6% of military men said they had been sexually harassed in
the past year. In the
Senate, I worked to make so-called “revenge pornography”
prosecutable under the Uniform Code of Military Justice. We should also
prosecute sexual harassment as a stand-alone crime under military law. We
should push to expose and prevent sexual harassment in the civilian workforce as
well, recognizing that our entire culture has work to do.
And we need to invest in survivors, helping them to get the
care they need so that they can recover, and so they can continue to serve.
Often, survivors worry that reporting a sexual assault may also bring to light
other misconduct, such as underage drinking or fraternization. Sometimes,
military commanders will distribute punishment for these offenses by survivors
while the sexual assault itself goes unaddressed. Even worse, more than 20% of
those who reported an assault also reported experiencing retaliation. If we
want to increase reporting and hold perpetrators of sexual assault accountable,
we need to exercise much wider discretion in the way we approach collateral
misconduct as part of instances of sexual assault. Until reporting an assault
is not perceived as a possible end to someone’s career, we will never fully
address this scourge.
Ending Veteran and Military Suicide
Our service members are resilient, but even the strongest
warriors need care. In 2017, 6,139 U.S. veterans
died by suicide, an average of nearly 17 each day, and 1.5 times the rate for
non-veteran adults. But only half of veterans
of the wars in Iraq and Afghanistan who may need mental health services —
including many with diagnoses that increase the risk of suicide, like PTSD, traumatic brain injury, substance use disorders,
or depression —
actually access them.
Every single one of these deaths is a tragedy that could
have been prevented. As President, I will set a goal of cutting veteran
suicides in half within my first term — and pursue a suite of concrete
policies to make sure we get there.
To get there, we need to invest more in research into the
causes of suicide, with a specific focus on contributing factors that are
specific to the military experience and a concerted effort to collect the data
that will save lives. We should conduct research targeting subgroups of
veterans who may be at higher risk of suicide, and evaluate the efficacy of
suicide prevention pilot programs and invest in those that make a meaningful
Veterans account for one in five firearm
suicides. My plan to prevent gun violence includes
a waiting period before purchase and a federal extreme risk protection law,
both of which have been shown to reduce suicides by gun.
We also need to provide consistent, accessible, high-quality mental
health care for all of our service members and veterans. Under Medicare for All
every person will have this essential care covered. But we must also address
the shortfall of mental health providers at DOD and VA, and in the areas where
In the last Congress, I led the fight to prevent budget cuts
to the Mental Health Block Grant and secured an additional $160 million for the
program, and I urged appropriators to designate $1 billion to mental health
programs through the Substance Abuse and Mental Health Administration. I have
also proposed significant
expansions of Community Health Centers and the National Health Service Corps,
which would help increase the supply of primary care and mental health
providers in underserved areas. We need to make it easier for service members
and veterans to see a mental health professional, including by significantly increasing
the number of mental health specialists at DOD and VA, streamlining appointment
processes, and enhancing access to telehealth options for those who cannot come
to a VA facility.
We should also focus on preventive care — early and often
throughout a military career, including by incorporating annual mental health
exams for service members in the same way they receive annual physical exams.
We should clearly communicate benefits and eligibility, raising awareness about
available care. And we must continue to remove the stigma around warfighters
seeking help, and do more to support military families who lose someone to
Treating the Opioid and Addiction Crisis
In 2017, over 70,000 people died
from a drug overdose — the highest year on record, with the majority due to opioids.
And the opioid crisis that has devastated so many American families has not
spared our military community. Stressors including deployment, combat exposure,
injury, and post-deployment reintegration have been shown to increase the risk
of substance abuse. Our military population has a higher risk of
substance use disorders, with 11% of veterans
from Afghanistan and Iraq treated by the VA being diagnosed with a substance use
My CARE Act to end the
opioid crisis — introduced in partnership with my late friend Congressman
Elijah Cummings of Baltimore — is a comprehensive plan to provide the
resources needed to begin treating this epidemic like the public health crisis
that it is. It would provide $100 billion in federal funding to states and
communities over the next ten years, because that’s what’s needed to make sure
every single person gets the treatment they need.
Under my plan, VA facilities will be able to participate in
planning councils to address the opioid crisis in order to ensure that veterans
are prioritized in our response and organizations serving veterans have a voice
in how the funding is spent. We will expand the number of inpatient beds
available to veterans for treatment and recovery. We’ll fund community-based
organizations, including eligible veteran-serving nonprofits, working to help
prevent and treat addicted veterans. And we’ll provide vocational training for
people struggling with addiction, helping them to get back into the civilian
workforce after their military careers.
Addressing the “Invisible Wounds” of War
17% of post-9/11
military veterans experience some form of traumatic brain injury during their
military service. TBI is associated with higher rates of PTSD, depression, and
substance abuse. While our knowledge of these conditions has improved
dramatically, it is still incomplete. Moreover, too many veterans don’t receive
the treatment they so badly need. While TBI is often associated with blunt
physical injuries to the head, research has shown that the blast wave produced
by even minor explosions, such as firing heavy weapons,
can result in TBI — even if the individual does not exhibit outward physical
signs of head injury.
In the Senate, I worked with my Republican colleagues to
establish a longitudinal study at
DOD to track the impact of blast exposure and brain health over time, and to
push DOD to track service member blast exposure.
We’ll use this data to improve our understanding of blast exposure injuries,
improve protective equipment, and develop innovative new treatments. We’ll also
use it to inform the safety guidance provided to our troops, including by
limiting non-combat exposure during training exercises.
Many states have established veterans’ courts or other
diversion programs to provide treatment rather than incarceration for veterans
with behavioral issues as a result of trauma, and I support the expansion of
these programs. I also support legalizing marijuana. I’ve co-sponsored
legislation to study the use of medical cannabis to treat veterans as an
alternative to opioids, because we need to pursue all evidence-based
opportunities for treatment and response.
The prevalence of certain rare cancers has been increasing steadily among
military personnel and veterans who have served overseas. It took years for
Vietnam veterans to receive treatment for exposure to Agent Orange — and some,
including Blue Water Navy veterans,
are still fighting for healthcare and benefits. Some veterans of more recent
wars attribute their illness to exposure to toxic burn pits used
by the military to dispose of waste, and at least one veterans group has projected that
deaths from cancer and other illnesses could outpace suicide deaths in the
military population by 2020.
As President, I will ensure that DOD tracks and records
potential toxic exposure by integrating it into the post-deployment checklist.
We need to ensure that adequate funding is allocated to research diseases that
may be connected to certain kinds of exposure. And we must treat those affected
without delay — we cannot allow today’s veterans to wait for earned health
Equal Treatment For All Who Serve
The diversity of our force is one of its unique strengths —
it allows us to incorporate different perspectives and experiences and to look
at problems in new ways. The data are clear: inclusive, diverse militaries
simply perform better. When we
discriminate or treat classes of service members as less worthy than their
peers, we fail to honor that diversity and we do enormous harm to our ability
to recruit a strong future force. Minority communities in the military —
particularly LGBTQ+, women, Black and Latinx service
members — are significantly under-represented in the leadership ranks. Here’s
what I’ll do to protect and honor everyone who volunteers to serve.
LGBTQ+ Service Members
The only thing that should matter when it comes to allowing
military personnel to serve is whether or not they can handle the job. Our
national security community is weaker when LGBTQ+ Americans are excluded. I
have opposed the Trump Administration’s shameful ban on transgender service
members from the start —
and I’ll reverse it on the first day of my presidency. In addition, advances
in care and treatment have
made it possible for individuals living with HIV to serve and deploy, and the
Pentagon’s policies should be updated to reflect these advances in medical
I’ve also supported efforts to review and correct the
military records of service members discharged solely due to their sexual
orientation, both before and during the Don’t Ask Don’t Tell era. As
Commander-in-Chief, I’ll prioritize this effort, ensuring that we reflect their
honorable service and reinstate the benefits they earned.
I’ll include the LGBTQ+ population in the VA’s Center for
Minority Veterans, ensuring that they receive targeted outreach and equal care
and are treated with dignity and respect. A Warren VA will ensure that every
LGBTQ+ person can get the equitable, gender-affirming, and culturally-competent
health care they need. That means providing all medically necessary care related
to the health of transgender people, including transition-related surgery,
and allowing providers discretion to deem gender-affirming procedures as
medically necessary based on an individualized assessment. This care will also
be available under Medicare for All.
Professional medical associations recognize the need for transition-related
surgery. VA’s blanket exclusion policy of medically necessary treatment is not
grounded in medicine; it should be repealed.
Empowering Women Service Members
Women make up 17.5% of the total
force. But they can face unique professional and personal challenges over the
course of a military career, including higher rates of sexual harassment and assault, higher rates
of divorce, challenges
starting a family, and fewer opportunities for career advancement.
I supported then-Defense Secretary Carter’s decision
to open combat positions to women across
the services, because the only thing that should matter is an individual’s
ability to meet the standards. I’m proud of the women who have risen to that challenge.
Now we must do more to recruit women into service, and then ensure that they
are given equal opportunities to compete for command and promotions. We’ll
invest in research on appropriate gear and injury prevention for women — over one
hundred years after being allowed to enlist, women still perform their duties
wearing equipment that doesn’t fit them, and therefore doesn’t adequately
protect them. And both DOD and VA should enhance the quality of and access to
care for women service members, including for preventive and reproductive care
and mental health.
A 21st century VA must also adapt to the modern fabric of
our veteran population, ensuring that gender-specific care is the norm. There
are about 2 million women veterans today,
and women represent the fastest growing veteran subgroup — that’s why I
successfully fought to ensure VA
has sufficient resources and expertise in its peer counseling program for women
veterans. I’ll also ensure that VA provides full reproductive health care for
all veterans, in addition to the full reproductive health coverage they will
have under Medicare for All. This includes IVF, which is currently only available to
married veterans with service-connected infertility who don’t need donor sperm
or eggs — discriminating against
unmarried veterans, those who delayed pregnancy during their service, and
same-sex couples. It also includes contraception, for which VA continues to charge veterans
despite the fact that the Affordable Care Act made it available without cost to
their civilian counterparts. This also includes abortions. I’ve called to
repeal the Hyde Amendment, which
blocks federal funds from being used to pay for abortions except in cases of
rape, incest, or the life of the woman. VA’s restrictions go even further,
prohibiting coverage for all abortions and all abortion counseling with no
exemptions, an extreme policy I will eliminate.
Too often, women veterans experience sexually explicit
comments and other forms of harassment that
make them feel unsafe and unwelcome and cause them to delay seeking care at
their local VA or miss appointments altogether. This is shameful and it has to
stop. I’ll ensure that a Warren VA has a comprehensive policy to eliminate
sexual harassment and assault and hold perpetrators — VA personnel or anyone
else — accountable, so that women veterans do not have to feel unsafe at their
VA medical center when they seek the care they’ve earned.
Immigrant Service Members
Immigrants to our country have a proud history of honorable
military service and often become citizens. But the Trump Administration has
done everything it can to make these patriotic individuals who volunteer to
serve and defend the United States of America feel unwelcome in our ranks.
In recent years, ICE has deported noncitizen veterans in
violation of its own policies, which require additional review before
proceeding with a removal case against a veteran. The Trump Administration has
taken steps to withdraw deportation protections from military family members,
including family of service members deployed in combat overseas. And under
DOD’s current policies, immigrant troops are being denied citizenship at
a rate higher than their civilian counterparts, and applications for
naturalization as a result of military service dropped 72% between 2017
This is a disgrace. It also undermines military readiness.
It’s not reasonable to expect service members to be able to concentrate on
their jobs when their families are being deported, which is why I’ve used my
position as a member of the Senate Armed Services Committee to urge the Trump
Administration to maintain critical programs like Parole in Place and Deferred
Action for undocumented family members of service members. Further, many
noncitizen veterans come to the attention of immigration enforcement as a
result of PTSD or other trauma associated with their military service; others
fear seeking treatment for that reason. Everyone who serves our country
deserves equal treatment and benefits, regardless of their citizenship status.
A Warren Administration will make it clear that we will
protect veterans and family members of serving military personnel from
deportation, and we will review the cases of those who have been deported for
possible return to the United States. Consistent with our national security
interests, I’ll restart the
Military Accessions Vital to the National Interest (MAVNI) program, which
recruits non-citizens with specialized skills or language abilities, paired
with appropriate security and counterintelligence protections. I’ll also make
it easier for noncitizens who serve honorably in our military to naturalize and
become citizens. And we will heed the call of veterans to honor our commitment
to translators and
others who supported them in combat by re-launching the Direct Access Program
for these vulnerable refugees.
Easing the Transition for Veterans
Nearly 200,000 personnel
separate from military service every year. The initial transition away from
military service can be a challenging period, as veterans work to start school
or find a job, and readjust to family after time overseas. Many new veterans
struggle to find a sense of purpose or connection in new civilian careers and
communities. While DOD has improved its transition counseling in recent years,
we can do more to prepare service members to return to civilian life.
Ensuring a “Warm Hand-Off”
The key to an effective transition is a seamless connection
between DOD and the VA — but too often, veterans fall through the cracks. I’ll
direct DOD to require that service members pre-enroll and complete processing
at the VA before they leave active service. I’ll set a goal of completing
interoperable electronic records between DOD and VA by the end of my first
term. And I’ll direct VA to expand the vets.gov online
portal for veterans and provide veterans access to a VA-provided email, so that
the government can continue to communicate with them about their eligibility
even if they move physical addresses over time.
Eliminating the Benefits Backlog
While the VA has made progress in addressing its backlog of
benefits cases waiting for adjudication, today there are over 70,000 veterans
who have been waiting more than 125 days for a status determination. Moreover,
VA itself acknowledges it takes between 12-18 months to
review a new appeal, and 5-7 years to get a decision from a Veterans Law Judge.
As President, I’ll fully eliminate the initial claims and appeals backlog. And
in the interim, we’ll provide a presumption of eligibility for certain interim
benefits to all those waiting for a final status determination.
Our understanding of traumatic brain injury and other
complex injuries has improved dramatically in recent years, but VA’s disability
compensation process has not kept pace with those developments. I’ll task the
National Academy of Public Administration to review and overhaul the disability
ratings system to better accommodate “invisible” wounds like TBI. I’ll direct
them to take into account recommendations for best practices,
including training additional staff to evaluate cases and taking into account
symptoms that are closely-associated with undiagnosed TBI.
A key concern among veterans is that the benefits
adjudication process is byzantine and lacks transparency. I’ll make sure that
veterans automatically get full access to the results of their examinations and
put in place rigorous processes to ensure claims are granted consistently
nationwide. And to help veterans navigate the system and obtain the benefits
they deserve, I’ll also establish a grant program to fund additional
caseworkers at Veterans Service Organizations and other community-based
Clearing “Bad Paper” Discharges
As the research into PTSD and traumatic brain injuries has
improved, we’ve come to learn that these often invisible injuries lie behind
many less-than-honorable discharges. Nearly 6% of post-9/11
discharges have been other-than-honorable — and one study estimated that 62% of service
members separated for misconduct had been diagnosed within the 2 years prior to
separation with PTSD, TBI, or related conditions. These so-called “bad paper”
discharges can have a lasting negative impact, preventing the most vulnerable
veterans from accessing benefits, obtaining employment, and other earned and
I’ll create a DOD appeals board for veterans seeking to upgrade
their discharges to give those denied by the services another opportunity for
review and to ensure consistency across the services. I’ll direct that board to
expand “liberal consideration”
and consider a broader array of potentially mitigating evidence. I’ll direct
the VA to provide certain interim benefits to individuals with
other-than-honorable discharges until their appeals are adjudicated. And I’ll
direct DOD to establish guidance for commanders to ensure that individuals
first receive care for underlying conditions that may be contributing to
behavioral problems, rather than merely processed for administrative discharge.
Providing Good Jobs
Service members gain valuable skills in the military, but
often don’t know how to translate their skills into civilian life or receive
appropriate “credit” for military service in a civilian context. And while
public-private partnerships and other efforts have broken down the stigma
around hiring veterans, we can do more to set veterans up for long-term
It starts by making it easier for civilian employers to
identify military skill sets that most closely match their needs, and helping
veterans to describe their military experiences in language that resonates with
civilian employers. In the Senate, I’ve prioritized improving the employment
transition for retiring service members, for example by passing a bipartisan bill
that made it easier for service members to use their experience operating large
military vehicles to obtain a commercial driver’s license.
As President, I’ll direct DOD to expand resume and career
coaching opportunities for military personnel considering transition. To
encourage veteran entrepreneurship, I’m proposing a new program to allow
veterans to cash out their GI education benefits for a small business loan. And
we’ll invest in collaborative programs — like labor’s Helmets to Hardhats program
— to connect transitioning service members with federally-recognized
apprenticeship opportunities and good, union jobs.
Ending Veterans’ Homelessness
While the number of veterans experiencing homelessness has
dropped over the last decade, nearly 38,000 were still
homeless in January 2018. Veterans constituted nearly 9% of the total
adult homeless population. Even one homeless veteran is one too many. I’ll
restore SNAP benefits that the Trump administration seeks to cut that
support 1.4 million low-income
veterans, including those who are unemployed or with disabilities. SNAP is a
particularly critical support for young veterans and those recently who have
recently transitioned from active service. We’ll fully fund rapid re-housing
and permanent supportive housing through Supportive Services for Veteran
Families (SSVF) and HUD-VASH. And we’ll create a new competitive grant program
for communities to provide wrap-around services for veterans and their
families. We know that access to housing can be a barrier to many veterans –
and can enhance the scale of other challenges they face. By strengthening
and expanding programs like HUD-VASH, we can end veteran homelessness and allow
our veterans to focus on finding meaningful employment, receiving healthcare
for service-connected conditions, and building resilient lives.
Creating a 21st Century VA Health Care System
The Veterans Health Administration is America’s largest health care
system, providing care at over 1,200 health care facilities nationwide and
serving 9 million enrolled veterans each year.
In recent years, attacks on VA have intensified as
Republicans have pressed to privatize large chunks of VA service. My
Administration will be clear-eyed about leadership challenges at VA. We will
hold accountable leaders who fail to put veterans first or misuse resources,
and we will empower whistleblowers who report wrongdoing to address their
concerns and protect them from retaliation. But the truth is that care provided
by VA outperforms care at non-VA hospitals, as multiplestudies have shown.
And in a recent survey, 91% of veterans who
use VA care said they would recommend it to their fellow veterans. VA has
pioneered innovations in medical care and service delivery. It provides
world-class care for uniquely service-connected injuries, including treatment
for polytrauma, amputations, and spinal cord injuries.
While community care is appropriate where specialists are
unavailable or geographically inaccessible, let me be clear: a Warren
Administration will invest in the VA, not further dismantle it. We will not cut
the high-quality, evidence-based, culturally competent programs that our
veterans rely on. And under Medicare for All, veterans will all have
high-quality health coverage that gives them the option to seek care from
non-VA doctors and hospitals for no additional cost. If there isn’t a VA close
to where they live, Medicare for All will ensure that veterans still get the
care they need when they need it.
In the immediate-term, here’s what we can do to revitalize
our VA for the 21st century–
Work with Congress to implement more flexible hiring
authorities, with a goal of filling the nearly 49,000 staffing
vacancies, the vast majority of which are in the health administration.
Expand the number of physician recruiters and provide
additional financial incentives for physicians in hard-to-recruit specialties
and rural VA centers or those near tribal lands.
Reinvigorate VA’s training partnership program — nearly 70%
of U.S. doctors receive some training at a VA facility, but VA is hindered from
converting those into full-time positions because of the cumbersome hiring
Fully implement the VA MISSION Act — on-time, and in collaboration
with veteran’s groups, ensuring community providers are held to the same high
standards of care as VA providers and that the direct care system is not
weakened by siphoning away money into the private sector.
We’ll invest in modernizing aging infrastructure and
state-of-the-art medical equipment.
We’ll work to fill gaps in care, benefits, or other services
in underserved regions, including on tribal lands; and further integrating
federally-qualified health centers, DOD facilities, and the Indian Health
System as appropriate.
Read more about Warren’s plan for service members, veterans and military families here:
The vigorous contest of
Democrats seeking the 2020 presidential nomination has produced excellent
policy proposals to address major issues. Senator Elizabeth Warren details her
plan to confront the crisis of environmental injustice. “Justice cannot be a
secondary concern – it must be at the center of our response to climate change.”
This is from the Warren campaign:
Charlestown, MA – Senator Elizabeth Warren has released her plan to fight for justice as we take on the climate crisis. Warren will implement an equity screen for her proposed climate investments, directing at least $1 trillion into the most vulnerable communities over the next decade and investing not only in cleaning up pollution but in building wealth and lifting up the communities in most need.
The climate crisis demands all of us to act, but it is also an opportunity to create millions of new good, middle class, union jobs and to directly confront the racial and economic inequality embedded in our fossil fuel economy. Elizabeth will honor our commitment to fossil fuel workers by fighting for guaranteed wage and benefit parity for workers transitioning into new industries, and to protect the pensions and benefits that fossil fuel workers have earned. She’ll partner with unions every step of the way.
She will hold corporate polluters accountable, working with Congress to create a private right of action for environmental harm, and imposing steep fines on violators that will be reinvested in impacted communities.
Elizabeth knows we need to elevate environmental justice at the highest levels. She’ll transform the Council on Environmental Quality into a Council on Climate Action with a broader mandate, including empowering frontline community leaders to speak directly to the White House.
In 1987, the United Church of Christ’s Commission on Racial Justice commissioned one of the first studies on hazardous waste in communities of color. A few years later — 28 years ago this month — delegates to the First National People of Color Environmental Leadership Summit adopted 17 principles of environmental justice. But in the years since, the federal government has largely failed to live up to the vision these trailblazing leaders outlined, and to its responsibilities to the communities they represent.
From predominantly black neighborhoods in
Detroit to Navajo communities in
the southwest to Louisiana’s Cancer Alley, industrial
pollution has been concentrated in low-income communities for decades —
communities that the federal government has tacitly written off as so-called “sacrifice zones.” But
it’s not just about poverty, it’s also about race. A seminal study found
that black families are more likely to live in neighborhoods with higher
concentrations of air pollution than white families — even when they have the
same or more income. A more recent study found that while whites largely cause
air pollution, Blacks and Latinxs are more likely to breathe it in.
Unsurprisingly, these groups also experience higher rates of childhood asthma. And
many more low-income and minority communities are exposed to toxins in
their water — including lead and chemicals from industrial and agricultural
And these studies don’t tell the whole story. As I’ve
traveled this country, I’ve heard the human stories as well. In Detroit, I met
with community members diagnosed with cancer linked to exposure to toxins after
years of living in the shadow of a massive oil refinery. In New Hampshire, I
talked with mothers fighting for clean drinking water free of harmful PFAS
chemicals for their children. In South Carolina, I’ve heard the stories of the
most vulnerable coastal communities who face the greatest threats, from not
just sea-level rise, but a century of encroaching industrial polluters. In West
Virginia, I saw the consequences of the coal industry’s abandonment of the
communities that made their shareholders and their executives wealthy — stolen
pensions, poisoned miners, and ruined land and water.
We didn’t get here by accident. Our crisis of environmental
injustice is the result of decades of discrimination and environmental racism
compounding in communities that have been overlooked for too long. It is the
result of multiple choices that put corporate profits before people, while our
government looked the other way. It is unacceptable, and it must change.
Justice cannot be a secondary concern — it must be at the
center of our response to climate change. The Green New Deal commits us to a
“just transition” for all communities and all workers. But we won’t create true
justice by cleaning up polluted neighborhoods and tweaking a few regulations at
the EPA. We also need to prioritize communities that have experienced historic
disinvestment, across their range of needs: affordable housing, better
infrastructure, good schools, access to health care, and good jobs. We need
strong, resilient communities who are prepared and properly resourced to
withstand the impacts of climate change. We need big, bottom-up change —
focused on, and led by, members of these
No Community Left Behind
The same communities that have borne the brunt of industrial
pollution are now on the front lines of climate change, often getting hit first
and worst. In response, local community leaders are leading the fight to hold
polluters responsible and combat the effects of the climate crisis. In
Detroit’s 48217 zip code, for example, community members living in the midst of
industrial pollution told me how they have banded together to identify refinery
leakages and inform their neighbors. In Alabama and Mississippi, I met with
residents of formerly redlined neighborhoods who spoke to me about their fight
against drinking water pollution caused by inadequate municipal sewage systems.
Tribal Nations, which have been disproportionately impacted by environmental
racism and the effects of climate change, are leading the way in
climate resilience and adaptation strategies, and in supporting healthy
ecosystems. The federal government must do more to support and uplift the
efforts of these and other communities. Here’s how we can do that:
Improve environmental equity mapping. The EPA
currently maps communities
based on basic environmental and demographic indicators, but more can be done
across the federal government to identify at-risk communities. We need a
rigorous interagency effort to identify cumulative environmental health
disparities and climate vulnerabilities and cross-reference that data with
other indicators of socioeconomic health. We’ll use these data to adjust
permitting rules under Clean Air and Clean Water Act authorities to better
consider the impact of cumulative and overlapping pollution, and we’ll make
them publicly available online to help communities measure their own health.
Implement an equity screen for climate investments. Identifying
at-risk communities is only the first step. The Green New Deal will involve
deploying trillions of dollars to transform the way we source and use energy.
In doing so, the government must prioritize resources to support vulnerable
communities and remediate historic injustices. My friend Governor Jay Inslee
rightly challenged us to fund the most vulnerable communities first, and
both New York and California have
passed laws to direct funding specifically to frontline and fenceline
communities. The federal government should do the same. I’ll direct one-third
of my proposed climate investment into the most vulnerable communities — a
commitment that would funnel at least $1 trillion into these areas over the
Strengthen tools to mitigate environmental harms. Signed
into law in 1970, the National Environmental Policy Act provides the original
authority for many of our existing environmental protections. But even as
climate change has made it clear that we must eliminate our dependence on
fossil fuels, the Trump Administration has tried to weaken NEPA with
the goal of expediting even more fossil fuel infrastructure projects. At the
same time, the Trump Administration has moved to devalue the
consideration of climate impacts in all federal decisions. This is entirely
unacceptable in the face of the climate emergency our world is facing. As
president, I would mandate that all federal agencies consider climate impacts
in their permitting and rulemaking processes. Climate action needs to be mainstreamed
in everything the federal government does. But we also need a standard that
requires the government to do more than merely “assess” the environmental
impact of proposed projects — we need to mitigate negative environmental
Beyond that, a Warren Administration will do more to give the people who live
in a community a greater say in what is sited there — too often today, local
desires are discounted or disregarded. And when Tribal Nations are involved,
projects should not proceed unless developers have obtained the free, prior and
informed consent of the tribal governments concerned. I’ll use the full extent
of my executive authority under NEPA to protect these communities and give them
a voice in the process. And I’ll fight to improve the law to reflect the
realities of today’s climate crisis.
Build wealth in frontline communities. People of
color are more likely to live in neighborhoods that are vulnerable to climate
change risks or where they’re subject to environmental hazards like pollution.
That’s not a coincidence — decades of racist housing policy and officially
sanctioned segregation that denied people of color the opportunity to build
wealth also denied them the opportunity to choose the best neighborhood for
their families. Then, these same communities were targeted with the worst of
the worst mortgages before the financial crisis, while the government looked
the other way. My housing plan includes
a first-of-its-kind down-payment assistance program that provides grants to
long-term residents of formerly redlined communities so that they can buy homes
in the neighborhood of their choice and start to build wealth, beginning to
reverse that damage. It provides assistance to homeowners in these communities
who still owe more than their homes were worth, which can be used to preserve
their homes and revitalize their communities. These communities should have the
opportunity to lead us in the climate fight, and have access to the economic
opportunities created by the clean energy sector. With the right investments
and with community-led planning, we can lift up communities that have experienced
historic repression and racism, putting them on a path to a more resilient
Expand health care. People in frontline
communities disproportionately suffer from certain cancers and other illnesses
associated with environmental pollution. To make matters worse, they are less likely to have
access to quality health care. Under Medicare for All, everyone will have high
quality health care at a lower cost, allowing disadvantaged communities to get
lifesaving services. And beyond providing high quality coverage for all, the
simplified Medicare for All system will make it easier for the federal
government to quickly tailor health care responses to specific environmental
disasters in affected communities when they occur.
Research equity. For years we’ve invested in
broad-based strategies that are intended to lift all boats, but too often leave
communities of color behind. True justice calls for more than
‘one-size-fits-all’ solutions — instead we need targeted strategies that take
into account the unique challenges individual frontline communities face. I’ve
proposed a historic $400 billion investment
in clean energy research and development. We’ll use that funding to research
place-based interventions specifically targeting the communities that need more
No Worker Left Behind
The climate crisis will leave no one untouched. But it also
represents a once-in-a-generation opportunity: to create millions of
good-paying American jobs in clean and renewable energy, infrastructure, and
manufacturing; to unleash the best of American innovation and creativity; to
rebuild our unions and create real progress and justice for workers; and to
directly confront the racial and economic inequality embedded in our fossil
The task before us is huge and demands all of us to act. It
will require massive retrofits to our nation’s infrastructure and our
manufacturing base. It will also require readjusting our economic approach to
ensure that communities of color and others who have been systematically harmed
from our fossil fuel economy are not left further behind during the transition
to clean energy.
But it is also an opportunity. We’ll need millions of
workers: people who know how to build things and manufacture them; skilled and
experienced contractors to plan and execute large construction and engineering
projects; and training and joint labor management apprenticeships to ensure a
continuous supply of skilled, available workers. This can be a great moment of
national unity, of common purpose, of lives transformed for the better. But we
cannot succeed in fighting climate change unless the people who have the skills
to get the job done are in the room as full partners.
We also cannot fight climate change with a low-wage economy.
Workers should not be forced to make an impossible choice between fossil fuel
industry jobs with superior wages and benefits and green economy jobs that pay
far less. For too long, there has been a tension between transitioning to a
green economy and creating good, middle class, union jobs. In a Warren
Administration we will do both: creating good new jobs through investments in a
clean economy coupled with the strongest possible protections for workers. For
instance, my Green Manufacturing plan
makes a $1.5 trillion procurement commitment to domestic manufacturing
contingent on companies providing fair wages, paid family and medical leave,
fair scheduling practices, and collective bargaining rights. Similarly,
my 100% Clean Energy Plan will
require retrofitting our nation’s buildings, reengineering our electrical grid,
and adapting our manufacturing base — creating good, union jobs, with
prevailing wages determined through collective bargaining, for millions of
skilled and experienced workers.
Our commitment to a Green New Deal is a commitment to a
better future for the working people of our country. And it starts with a
real commitment to workers from the person sitting in the White House: I will
fight for your job, your family, and your community like I would my own. But
there’s so much more we can do to take care of America’s workers before,
during, and after this transition. Here are a few ways we can start:
Honor our commitment to fossil fuel workers. Coal
miners, oil rig workers, pipeline builders and millions of other workers have
given their life’s blood to build the infrastructure that powered the American
economy throughout the 20th century. In return, they deserve more than
platitudes — and if we expect them to use their skills to help reengineer
America, we owe them a fair day’s pay for the work we need them to do. I’m
committed to providing job training and guaranteed wage and benefit parity for
workers transitioning into new industries. And for those Americans who choose
not to find new employment and wish to retire with dignity, we’ll ensure full
financial security, including promised pensions and early retirement
Defend worker pensions, benefits, and secure retirement. Together,
we will ensure that employers and our government honor the promises they made
to workers in fossil fuel industries. I’ve fought for years to protect pensions
and health benefits for retired coal workers, and I’ll continue fighting to
maintain the solvency of multi-employer pension plans. As president, I’ll
protect those benefits that fossil fuel workers have earned. My plan to empower American workers commits
to defending pensions, recognizing the value of defined-benefit pensions, and
pushing to pass the Butch-Lewis Act to
create a loan program for the most financially distressed pension plans in the
country. And my Social Security plan
would increase benefits by $200 a month for every beneficiary, lifting nearly 5
million seniors out of poverty and expanding benefits for workers with
disabilities and their families.
Create joint safety-health committees. In 2016, more than 50,000 workers
died from occupational-related diseases. And since the beginning of his
administration, Trump has rolled back rules and regulations that limit exposure to certain
chemicals and requirements around facility safety inspections,
further jeopardizing workers and the community around them. When workers have
the power to keep themselves safe, they make their communities safer too. A
Warren Administration will reinstate the work safety rules and regulations
Trump eliminated, and will work to require large companies to create joint
safety-health committees with representation from workers and impacted communities.
Force fossil fuel companies to honor their obligations. As
a matter of justice, we should tighten bankruptcy laws to prevent coal and
other fossil fuel companies from evading their responsibility to their workers
and to the communities that they have helped to pollute. In the Senate, I have fought to
improve the standing of coal worker pensions and benefits in bankruptcy — as
president, I will work with Congress to pass legislation to make these changes
And as part of our commitment, we must take care of all
workers, including those who were left behind decades ago by the fossil fuel
economy. Although Franklin D. Roosevelt’s New Deal is the inspiration for this
full scale mobilization of the federal government to defeat the climate crisis,
it was not perfect. The truth is that too often, many New Deal agencies and
policies were tainted by structural racism. And as deindustrialization led to
prolonged disinvestment, communities of color were too often both the first to
lose their job base, and the first place policymakers thought of to dump the
refuse of the vanished industries. Now there is a real risk that poor
communities dependent on carbon fuels will be asked to bear the costs of
fighting climate change on their own. We must take care not to replicate the
failings and limitations of the original New Deal as we implement a Green New
Deal and transition our economy to 100% clean energy. Instead we need to build
an economy that works for every American — and leaves no one behind.
Prioritizing Environmental Justice at the Highest Levels
As we work to enact a Green New Deal, our commitment to
environmental justice cannot be an afterthought — it must be central to our
efforts to fight back against climate change. That means structuring our
government agencies to ensure that we’re centering frontline and fenceline
communities in implementing a just transition. It means ensuring that the most
vulnerable have a voice in decision-making that impacts their communities, and
direct access to the White House itself. Here’s how we’ll do that:
Elevate environmental justice at the White House.
I’ll transform the Council on Environmental Quality into a Council on Climate
Action with a broader mandate, including making environmental justice a
priority. I’ll update the 1994 executive order that
directed federal agencies to make achieving environmental justice part of their
missions, and revitalize the
cabinet-level interagency council on environmental justice. We will raise the
National Environmental Justice Advisory Council to report directly to the White
House, bringing in the voices of frontline community leaders at the highest
levels. And I will bring these leaders to the White House for an environmental
justice summit within my first 100 days in office, to honor the contributions
of frontline activists over decades in this fight and to listen to ideas for
how we can make progress.
Empower the EPA to support frontline communities. The
Trump Administration has proposed dramatic cuts to
the EPA, including to its Civil Rights office, and threatened to eliminate EPA’s
Office of Environmental Justice entirely. I’ll restore and grow both offices,
including by expanding the Community Action for a Renewed Environment (CARE)
and Environmental Justice Small Grant programs. We’ll condition these
competitive grant funds on the development of state- and local-level
environmental justice plans, and ensure that regional EPA offices stay open to
provide support and capacity. But it’s not just a matter of size. Historically,
EPA’s Office of Civil Rights has rejected nine out of ten cases
brought to it for review. In a Warren Administration, we will aggressively
pursue cases of environmental discrimination wherever they occur.
Bolster the CDC to play a larger role in environmental
justice. The links between industrial pollution and negative public health
outcomes are clear. A Warren
Administration will fully fund the Center for Disease Control’s environmental
health programs, such as childhood lead poisoning prevention, and community
health investigations. We will also provide additional grant funding for
independent research into environmental health effects.
Diminish the influence of Big Oil. Powerful
corporations rig the system to work for themselves, exploiting and influencing
the regulatory process and placing industry representatives in positions of
decision-making authority within agencies. My plan to end Washington corruption would
slam shut the revolving door between industry and government, reducing
industry’s ability to influence the regulatory process and ensuring that the
rules promulgated by our environmental agencies reflect the needs of
communities, not the fossil fuel industry.
Right to Affordable Energy and Clean Water
Nearly one-third of
American households struggle to pay their energy bills, and Native American,
Black, and Latinx households are more likely to be energy insecure. Renters are
also often disadvantaged by landlords unwilling to invest in safer buildings,
weatherization, or cheaper energy. And clean energy adoption is unequal along
racial lines, even after accounting for differences in wealth. I have a plan to move the
United States to 100% clean, renewable, and zero-emission energy in electricity
generation by 2035 — but energy justice must be an integral part of our
transition to clean energy. Here’s what that means:
Address high energy cost burdens. Low-income
families, particularly in rural areas, are spending too much of their
income on energy, often the result of older or mobile homes that are not
weatherized or that lack energy efficient upgrades. I’ve committed to meet
Governor Inslee’s goal of retrofitting 4% of U.S. buildings annually to
increase energy efficiency — and we’ll start that national initiative by
prioritizing frontline and fenceline communities. In addition, my housing plan
includes over $10 billion in competitive grant programs for communities that invest
in well-located affordable housing — funding that can be used for
modernization and weatherization of homes, infrastructure, and schools. It also
targets additional funding to tribal governments, rural communities, and
jurisdictions — often majority minority — where homeowners are still
struggling with the aftermath of the
2008 housing crash. Energy retrofits can be a large source of green jobs, and
I’m committed to ensuring that these are good jobs, with full federal labor
protections and the right to organize.
Support community power. Consumer-owned energy
cooperatives, many of which were established to electrify rural areas during
the New Deal, serve an estimated 42 million people
across our country. While some co-ops are beginning to transition their assets
to renewable energy resources, too many are locked
into long-term contracts that make them dependent on coal and other dirty fuels
for their power. To speed the transition to clean energy, my administration
will offer assistance to write down debt and restructure loans to help
cooperatives get out of long-term coal contracts, and provide additional low-
or no-cost financing for zero-carbon electricity generation and transmission
projects for cooperatives via the Rural Utilities Service. I’ll work with
Congress to extend and expand clean energy bonds to
allow community groups and nonprofits without tax revenue to access clean
energy incentives. I’ll also provide dedicated support for the four Power Marketing
Administrations, the Tennessee Valley Authority, and the Appalachian Regional
Commission to help them build publicly-owned clean energy assets and deploy
clean power to help communities transition off fossil fuels. Accelerating the
transition to clean energy will both reduce carbon emissions, clean up our
air, and help bring down rural consumers’ utility bills.
Protect local equities. Communities that host large
energy projects are entitled to receive a share of the benefits. But too often,
large energy companies are offered millions in tax subsidies to locate in a
particular area — without any commitment that they will make a corresponding
commitment in that community. Community Benefit Agreements can help address
power imbalances between project developers and low-income communities by
setting labor, environmental, and transparency standards before work begins.
I’ll make additional federal subsidies or tax benefits for large utility
projects contingent on strong Community Benefits Agreements, which should
include requirements for prevailing wages and collective bargaining rights. And
I’ll insist on a clawback provision if a company doesn’t hold up its end of the
deal. If developers work with communities to ensure that everyone benefits from
clean energy development, we will be able to reduce our emissions faster.
It’s simple: access to clean water is a basic human right.
Water quality is an issue in both urban and rural communities. In rural areas,
for example, runoff into rivers and streams by Big Agriculture has poisoned local
drinking water. In urban areas, lack of infrastructure investment has resulted
in lead and other poisons seeping
into aging community water systems. We need to take action to protect our
drinking water. Here’s how we can do that:
Invest in our nation’s public water systems.
America’s water is a public asset and should be owned by and for the public. A
Warren Administration will end decades of disinvestment and privatization of
our nation’s water system — our government at every level should invest in
safe, affordable drinking water for all of us.
Increase and enforce water quality standards. Our
government should enforce strict regulations to ensure clean water is available
to all Americans. I’ll restore the Obama-era water rule that protected our
lakes, rivers, and streams, and the drinking water they provide. We also need a
strong and nationwide safe drinking water standard that covers PFAS and other
chemicals. A Warren Administration will fully enforce Safe Drinking Water Act
standards for all public water systems. I’ll aggressively regulate chemicals
that make their way into our water supply, including by designating PFAS as a
Fund access to clean water. Our clean drinking water
challenge goes beyond lead, and beyond Flint and Newark. To respond, a Warren
Administration will commit to fully capitalize the Drinking Water State
Revolving Fund and the Clean Water State Revolving Fund to refurbish old water
infrastructure and support ongoing water treatment operations and maintenance,
prioritizing the communities most heavily impacted by inadequate water
infrastructure. In rural areas, I’ll increase funding for the Conservation
Stewardship Program to $15 billion annually, empowering family farmers to help
limit the agricultural runoff that harms local wells and water systems. To
address lead specifically, we will establish a lead abatement grant program
with a focus on schools and daycare centers, and commit to remediating lead in
all federal buildings. We’ll provide a Lead Safety Tax Credit for homeowners to
invest in remediation. And a Warren Administration will also fully fund IDEA
and other support programs that help children with developmental challenges as
a result of lead exposure.
Protecting the Most Vulnerable During Climate-Related
In 2018, the U.S. was home to the world’s three costliest environmental
catastrophes. And while any community can be hit by a hurricane, flood, extreme
weather, or fire, the impact of these kinds of disasters are particularly
devastating for low-income communities, people with disabilities,
and people of color. Take
Puerto Rico for example. When Hurricane Maria hit the island, decades of racism
and neglect were multiplied by the government’s failure to prepare
and Trump’s racist post-disaster response —
resulting in the deaths of at least 3,000 Puerto
Ricans and long-term harm to many more. Even as we fight climate change, we
must also prepare for its impacts — building resiliency not just in some
communities, but everywhere. Here’s how we can start to do that:
Invest in pre-disaster mitigation. For every dollar
invested in mitigation, the government and communities save $6 overall. But
true to form, the Trump Administration has proposed to steep cuts to
FEMA’s Pre-Disaster Mitigation Program, abandoning communities just as the risk
of climate-related disasters is on the rise. As president, I’ll invest in
programs that help vulnerable communities build resiliency by quintupling this
Better prepare for flood events. When I visited
Pacific Junction, Iowa, I saw scenes of devastation: crops ruined for the
season, cars permanently stalled, a water line 7 or 8 feet high in residents’
living rooms. And many residents in Pacific Junction fear that this could
happen all over again next year.
Local governments rely on FEMA’s flood maps, but some of these maps haven’t
been updated in decades. In my first
term as president, I will direct FEMA to fully update flood maps with
forward-looking data, prioritizing and including frontline communities in this
process. We’ll raise standards for new construction, including by reinstating
the Federal Flood Risk Management Standard. And we’ll make it easier for
vulnerable residents to move out of flood-prone properties — including by
buying back those properties for low-income homeowners at a value that will
allow them to relocate, and then tearing down the flood-prone properties, so we
can protect everyone.
Mitigate wildfire risk. We must also invest in
improved fire mapping and prevention programs. In a Warren Administration, we
will dramatically improve fire mapping and prevention by investing in advanced
modeling with a focus on helping the most vulnerable — incorporating not only
fire vulnerability but community demographics. We will prioritize these data to
invest in land management, particularly near the most vulnerable communities,
supporting forest restoration, lowering fire risk, and creating jobs all at
once. We will also invest in microgrid technology, so that we can de-energize
high-risk areas when required without impacting the larger community’s energy
supply. And as president, I will collaborate with Tribal governments on land
management practices to reduce wildfires, including by incorporating
traditional ecological practices and exploring co-management and the return of
public resources to indigenous protection wherever possible.
Prioritize at-risk populations in disaster planning and
response. When the most deadly fire in California’s history struck the town
of Paradise last November, a majority of the
victims were disabled or elderly. People with disabilities face increased difficulties in
evacuation assistance and accessing critical medical care. For people who are
homeless, disasters exacerbate existing
challenges around housing and health. And fear of deportation can deter undocumented
people from contacting emergency services for help evacuating or from going to
an emergency shelter. As president, I will strengthen rules to require disaster
response plans to uphold the rights of vulnerable populations. In my immigration plan, I
committed to putting in place strict guidelines to protect sensitive locations,
including emergency shelters. We’ll also develop best practices at the federal
level to help state and local governments develop plans for at-risk communities
— including for extreme heat or cold — and require that evacuation services
and shelters are fully accessible to people with disabilities. During
emergencies, we will work to ensure that critical information is shared in ways
that reflect the diverse needs of people with disabilities and other at-risk
communities, including through ASL and Braille and languages spoken in the
community. We will establish a National Commission on Disability Rights and
Disasters, ensure that federal disaster spending is ADA compliant, and support
people with disabilities in disaster planning. We will make certain that
individuals have ongoing access to health care services if they have to leave
their community or if there is a disruption in care. And we will ensure
that a sufficient number of disability specialists are present in state
emergency management teams and FEMA’s disaster response corps.
Ensure a just and equitable recovery. In the
aftermath of Hurricane Katrina,
disaster scammers and profiteers swarmed, capitalizing on others’ suffering to
make a quick buck. And after George W. Bush suspended the
Davis-Bacon Act, the doors were opened for contractors to under-pay and subject
workers to dangerous working conditions, particularly low-income and immigrant
workers. As president, I’ll put strong protections in place to ensure that
federal tax dollars go toward community recovery, not to line the pockets of
contractors. And we must maintain high standards for workers even when disaster
Studies show that the white and wealthy receive
more federal disaster aid, even though they are most able to financially
withstand a disaster. This is particularly true when it comes to housing —
FEMA’s programs are designed to protect homeowners, even as homeownership
has slipped out of reach for
an increasing number of Americans. As president, I will reform post-disaster
housing assistance to better protect renters, including a commitment to a
minimum of one-to-one replacement for any damaged federally-subsidized
affordable housing, to better protect low-income families. I will work with
Congress to amend the Stafford Act to make grant funding more flexible to allow
families and communities to rebuild in more resilient ways. And we will
establish a competitive grant program, based on the post-Sandy Rebuild by Design pilot,
to offer states and local governments the opportunity to compete for additional
funding for creative resilience projects.
Under a Warren Administration, we will monitor post-disaster recovery to help
states and local governments better understand the long-term consequences and
effectiveness of differing recovery strategies, including how to address climate gentrification,
to ensure equitable recovery for all communities. We’ll center a right to
return for individuals who have been displaced during a disaster and prioritize
the voices of frontline communities in the planning of their return or
relocation. And while relocation should be a last resort, when it occurs, we
must improve living standards and keep communities together whenever possible.
Holding Polluters Accountable
In Manchester, Texas, Hurricane Harvey’s damage wasn’t
apparent until after the storm had passed — when a thick, chemical smell
started wafting through the majority Latinx community, which is surrounded by
nearly 30 refineries and
chemical plants. A tanker failure had released 1,188 pounds of
benzene into the air, one of at least one hundred area leaks that happened in
Harvey’s aftermath. But because regulators had turned off air
quality and toxic monitoring in anticipation of the storm, the leaks went
unnoticed and the community uninformed.
This should have never been allowed to happen. But
Manchester is also subject to 484,000 pounds of
toxic chemical leaks on an average year. That’s not just a tragedy — it’s an
outrage. We must hold polluters accountable for their role in ongoing, systemic
damage in frontline communities. As president, I will use all my authorities to
hold companies accountable for their role in the climate crisis. Here’s how we
can do that:
Exercise all the oversight tools of the federal
government. A Warren Administration will encourage the EPA and Department
of Justice to aggressively go after corporate polluters, particularly in cases
of environmental discrimination. We need real consequences for corporate
polluters that break our environmental law. That means steep fines, which we
will reinvest in impacted communities. And under my Corporate Executive Accountability
Act, we’ll press for criminal penalties for executives when their
companies hurt people through criminal negligence.
Use the power of the courts. Thanks to a Supreme
Court decision, companies are
often let completely off the hook, even when their operations inflict harm on
thousands of victims each year. I’ll work with Congress to create a private
right of action for environmental harm at the federal level, allowing individuals
and communities impacted by environmental discrimination to sue for damages and
hold corporate polluters accountable.
Reinstitute the Superfund Waste Tax. There are over 1300 remaining
Superfund sites across the country, many located in or adjacent to frontline
communities. So-called “orphan” toxic waste clean-ups were originally funded by
a series of excise taxes on the petroleum and chemical industries. But thanks
to Big Oil and other industry lobbyists, when that tax authority expired in
1995 it was not renewed. Polluters must pay for the consequences of their
actions — not leave them for the communities to clean up. I’ll work with
Congress to reinstate and then triple the Superfund tax, generating needed
revenue to clean up the mess.
Hold the finance industry accountable for its role in the
climate crisis. Financial institutions and the insurance industry underwrite
and fund fossil fuel investments around the world, and can play a key role in
stopping the climate crisis. Earlier this year, Chubb became the
first U.S. insurer to commit to stop insuring coal projects, a welcome
development. Unfortunately, many banks and insurers seem to be moving in the
opposite direction. In fact, since the Paris Agreement was signed, U.S. banks
including JPMorgan Chase, Wells Fargo, Citigroup, and Bank of America have
actually increased their
fossil fuel investments. And there is evidence that big banks are replicating a tactic they
first employed prior to the 2008 crash — shielding themselves from climate
losses by selling the mortgages most at risk from climate impacts to Fannie Mae
and Freddie Mac to shift the burden off their books and onto taxpayers at a
To accelerate the transition to clean energy, my Climate Risk Disclosure Act would
require banks and other companies to disclose their greenhouse gas emissions
and price their exposure to climate risk into their valuations, raising public
awareness of just how dependent our economy is on fossil fuels. And let me be
clear: in a Warren Administration, they will no longer be allowed to shift that
burden to the rest of us.
The vigorous contest of Democrats seeking the 2020 presidential nomination has produced excellent policy proposals to address major issues.Ahead of her speech in Washington Square Park near the Triangle Shirtwaist Factory, in which she delineated how corruption in Washington has allowed the rich and powerful to tilt the rules and grow richer and more powerful, Senator Elizabeth Warren released her plan to end Washington corruption.
Warren has already
advanced comprehensive anti-corruption legislation in Congress, but she is
going further with a set of far-reaching and aggressive proposals. “Her plan
will end lobbying as we know it, end self-dealing in the White House, end
corporate capture of the federal government’s rule-making process, hold our
federal judiciary and the Supreme Court to the highest ethical standards, and
Warren declared, “No
matter what brings you into this fight — whether it’s child care, student
loans, health care, immigration, or criminal justice, one thing is crystal
clear: corruption is making it worse — and it’s at the root of the major
problems we face as a democracy.
“Reforming the money
game in Washington isn’t enough. We also need to comprehensively clean up our
campaign finance system. That’s why I’ve also called for a constitutional
amendment to overturn Citizens
United. It’s why we need to get rid of the Super PACs and secret
spending by billionaires and giant corporations that try to buy our democracy.
It’s why we need to break the grip that big donors have by creating a system of
exclusive public funding of our elections. But even if we solve our campaign
finance problems, comprehensive anti-corruption reforms targeted at Washington
itself are necessary to finally end the stranglehold that the wealthy and the
well-connected have over our government’s decision-making processes.
“I believe that we can
root out corruption in Washington. I believe we must make big, structural
changes that will once again restore our trust in government by showing that it
can work for all of us. And when I’m President, that’s exactly what I’ll do.”
This is from the Elizabeth Warren campaign:
In 1958, the National Election Survey first asked Americans a simple question: Do you trust the government to do the right thing most of the time? That year, 73% of Americans said yes.
2019, that number is just 17%. Five out of every six Americans do not trust
their government to do the right thing.
have so many people lost faith in government?
true that right-wing politicians have spent a generation attacking the very
idea of government. But it’s also true that these days, our government doesn’t
work for most people. Sure, it works great for the wealthy and the
well-connected — but for everybody else, it doesn’t.
doesn’t work because big insurance companies and hospital conglomerates put
profits ahead of the health and well-being of the American people, and dump
piles of money into political campaigns and lobbying efforts to block any move
toward Medicare for All.
doesn’t work because big oil companies that have concealed climate studies —
and funded bought-and-paid-for climate denial research — bury regulators in an
avalanche of shady, bad-faith pseudoscience and then spend freely on influence
peddling in Congress to make sure nothing like a Green New Deal ever sees the
light of day.
doesn’t work because giant pharmaceutical companies want to squeeze every last
penny out of the people who depend on their prescriptions, while their army of
lobbyists suffocates reform any time there’s a discussion in Congress on drug
child care. Criminal justice reform. Affordable housing. Gun reform. Look
closely, and you’ll see — on issue after issue, widely popular policies are
stymied because giant corporations and billionaires who don’t want to pay taxes
or follow any rules use their money and influence to stand in the way of big,
We’ve got to call that out for what it is: corruption, plain and
no mistake about it: The Trump Administration is the most corrupt
administration of our lifetimes.
tax bill is a $1.5 trillion giveaway that primarily helps large corporations and wealthy
Americans. Half of the total registered lobbyists in Washington
worked on issues involving the word “tax” the year the bill was written —
that’s eleven lobbyists for every member of Congress. And when the members of
Congress who championed it lost their elections, they got juicy gigs in the lobbying industry themselves.
Supreme Court Justices were hand-picked by right-wing extremist groups that
spent millions on television ads — first to hold open a Supreme Court seat in
the Obama Administration, and then to pressure the Senate to rubber stamp their
candidates of choice, even when it meant ignoring serious sexual assault charges to ram through
these problems did not start with Donald Trump. They are much bigger than him —
and solving them will require big, structural change to fundamentally transform
why I’ve released plans to fight Washington corruption. A plan to make sure
that no president is above the law. A plan to tackle defense contractor coziness at the Pentagon.
A plan to ban private prisons and expand oversight, transparency, and
enforcement for all contractors hired by the federal government. In Congress,
I’ve previously advanced wide-ranging anti-corruption legislation.
we must go further.
Today, I’m announcing a comprehensive set of far-reaching and
aggressive proposals to root out corruption in Washington. It’s the most
sweeping set of anti-corruption reforms since Watergate. The goal of these
measures is straightforward: to take power away from the wealthy and the
well-connected in Washington and put it back where it belongs — in the hands of
plan lays out nearly a hundred ways that we can change our government to fix
this problem — from improving public integrity rules for federal officials in
every branch of government to ending lobbying as we know it, fixing the
criminal laws to hold corrupt politicians to account, and ensuring our federal
agencies and courts are free from corrupting influences.
I’m just getting started.
Restoring Public Integrity
you choose to be a public servant, you should serve the public — not your own
financial interests or the financial interests of the rich and powerful. But we
face a crisis of confidence in the ethics and public integrity of federal
officials in America. The revolving door in and out of the Trump Administration
is spinning out of control, and wave after wave of people in Trump’s orbit are
trying to profit personally from his presidency — including him.
even before Trump entered the White House, our nation’s public integrity rules
were far too lax. Too many public officials can easily leverage public service
for personal gain. And the ability to walk around government with obvious and
direct personal financial conflicts reduces public faith in honest officials.
To fix this, we need a total rewrite of our ethics laws.
We must begin by rooting out financial conflicts of interest in
Trump is a walking conflict of interest. Actually, more like 2,310 conflicts of interest — and counting.
His refusal to divest from his businesses has opened the door for giant
corporations, foreign lobbyists, and our own government officials to curry
favor with his administration and pad his own bottom line.
to a study by the Citizens for Responsibility and Ethics in
Washington, Donald Trump has visited one of his own properties for nearly a
third of the total days that he has been president. Trump’s Washington hotel
even sent the federal government a bill for $200,000 because Secret Service agents
were forced to stay there as well.
countries have also taken the hint. Representatives from 65 foreign governments
have visited Trump properties since he took office, and embassies have begun
booking Trump’s hotels for their events. Trump has egged them on, shamelessly
floating another one of his properties as the venue for a future international summit.
corporations and billionaires have also tried to curry favor with Donald Trump
by patronizing his properties. T-Mobile sent its top executives to the Trump
Hotel in DC right after the company announced a merger requiring the Trump
administration’s approval. Payday lenders held their annual meetings at Trump’s golf club in Miami, while the
Trump administration has consistently gutted restrictions and regulations on
exploitative payday lenders. And several wealthy donors who pay the $200,000
Mar-a-Lago membership fee — which doubled when Trump became President — have
exerted “sweeping influence” at the Department of Veteran’s Affairs.
Trump’s own appointees and political allies have tried to suck up to Trump by
exploiting his conflicts of interest. More than 100 Republican Members of Congress have become patrons of
Trump’s businesses since he became President. Most recently, Trump’s Attorney
General William Barr spent $30,000 at Trump’s Washington Hotel, implausibly
claiming that it was the only place he could find for his holiday party in
Washington — and on an official trip to Ireland, Vice President Mike Pence
stayed at a Trump property reportedly at Trump’s instruction, even though it was three hours away from his
scheduled meetings in Dublin.
is by far the most egregious example — and we need new rules to hold leaders
accountable for this kind of conduct. But we cannot condemn this conduct
without also acknowledging that opportunities for the appearance of
self-dealing are far too easy across the federal government. Restoring public
confidence isn’t just about replacing Trump and his cronies. We need new bright
lines and clear rules to eliminate the possibility of public officials serving
where I would start:
End self-dealing in the White House by applying conflict of
interest laws to the President and Vice President. Under my plan,Presidents
and Vice Presidents would be required to place their businesses into a blind
trust to be sold off. No more payoffs. No more bribes from foreign governments.
No more self-dealing.
Disclose tax returns of federal candidates and officeholders to
the public automatically. Tax return disclosure for federally elected officials
shouldn’t be optional — it should be the law. And it shouldn’t just apply to Presidents
— it should apply to everyone running for or serving in federal elected office.
Presidential candidates, in particular, should follow the standard set by
Barack Obama for releasing at least eight years of returns. (I’ve released
eleven.) And the IRS should simply put out the required tax returns for
qualified candidates themselves — so nothing like Donald Trump’s refusal to
disclose his taxes can ever happen again.
Force senior government officials to divest from privately-owned
assets that could present conflicts of interest. White House
advisers like Jared Kushner have been allowed to use their
government positions to further enrich themselves and their families, while
Cabinet Officials like Betsy DeVos have hundreds of millions held in
privately-owned accounts that make it nearly impossible to determine who could
exercise influence over DeVos and her family. The fact that such conduct could
pass any kind of ethics screen makes it clear that we need new rules. My plan
puts an end to this practice by requiring senior officials, including those who
are unpaid like Kushner, to divest from their businesses and other conflicted
Completely ban the practice of government officials trading
individual stocks while in office. Under current law, members of Congress can
trade stocks and then use their powerful positions to increase the value of
those stocks and pad their own pockets. Tom Price, Trump’s former Secretary of
Health and Human Services, purchased pharmaceutical stocks while in the
House of Representatives — then fought hard to get a return on his investment
by pushing policies that would benefit giant pharmaceutical companies. And
another member of Congress, Chris Collins, was charged for trading the same stocks based on insider information. But
prosecutions like this are rare. And even where investments don’t influence
decisions, the existence of these direct conflicts undermine public confidence
solution is simple — ban members of Congress and senior government officials
from owning or trading individual stocks. Instead, they can invest in conflict-free
mutual funds or funds managed by the federal Thrift Savings Program. Law firms
follow these kinds of rules to prevent the appearance of financial conflicts
with the interests of their clients — there’s no reason important public
servants and elected officials shouldn’t, too.
Shut down a raft of additional shady practices that provide
opportunities for government officials to serve their own financial
interests. My plan bans members of Congress and senior congressional staff
from serving on corporate boards — whether or not they’re paid to do so. It
also strengthens ethics requirements for presidential transition teams to
ensure that those who are shaping our government disclose any conflicts of
interest and comply with the highest ethical standards. And to ensure that
there are no questions about whether members of Congress are acting based on
financial conflicts, like lobbyist-turned-Senator-turned-lobbyist Jon Kyl, my plan requires
every member of Congress, including appointed ones, to disclose their financial
conflicts before they take office.
Finally, we must immediately end the possibility of trading on
access to insider political information. Every year, hundreds of millions of
dollars flow into so-called “political intelligence” firms that hire operatives to prowl the
halls of Congress for insider information and sell that information to Wall Street traders trying to make a buck. My plan
combats this practice by implementing strict disclosure requirements and
regulations on so-called “political intelligence consulting,” including
criminal penalties for former public officials who use insider political
information to make investments or advise others who are doing so.
Next, it’s time to close and padlock the revolving door between
government and industry.
Trump has not just enriched himself and his advisers; he has turned his White
House into a case study in the dangers of the revolving door between industry
of these people was Gary Cohn, the former President of Goldman Sachs, who
became Trump’s top economic adviser. On his way out of Goldman, the firm gave
him a whopping $285 million — $123 million in the form of cash and
stocks that he could only collect if he left the firm to work in government.
call that a “pre-bribe.” And it paid off, too. While cashing that $285 million
check, Gary Cohn helped rewrite our nation’s tax laws, rammed the changes
through Congress, and gave Goldman Sachs their money back — and a few billion dollars in change.
are countless examples like this in the Trump Administration, but it’s a
widespread problem in official Washington — and it goes far beyond obvious and
egregious quid-pro-quo bribery. When someone serves in government with plans to
immediately turn around and work in the industry they’ve been overseeing, that
individual faces obvious incentives to advance the interests of their future
employer. And when someone moves immediately from a regulated company to a job
regulating that company, the public is right to worry about the risk that such
individuals will prioritize the interests of their old bosses.
must be able to benefit from tapping private sector expertise, and public
servants who leave government should be able to find post-government
employment. Similarly, volunteer and part-time government positions, which make
sense in certain situations, necessarily assume some level of outside work. But
there is a difference between expertise and graft.
isn’t simply a matter of replacing Trump with an honest President. We’ve seen
the issue of industry lobbyists and top execs spinning freely through the
revolving door to and from important government positions in both Democratic
and Republican administrations. Fixing the underlying problem requires us to
tighten up the rules to ensure that when government officials are making
decisions, they are considering only the public interest — and not their own
personal interests or the interests of their friends and future employers.
are some obvious steps to help address this problem:
Ban “golden parachutes” that provide corporate bonuses to
executives for serving in the federal government. We can’t let big
companies get away with installing their top executives in senior government
positions and paying them pre-bribes on their way out the door. Under my plan,
this would be illegal.
Restrict the ability of lobbyists to enter government
jobs. Under my proposal, current lobbyists won’t be able to take
government jobs for 2 years after lobbying, with limited exceptions for when
the hiring is in the national interest. Corporate lobbyists will have to wait
at least 6 years — no exceptions, and no waivers. These extensive cooling off
periods will help ensure that if anyone with this background is hired into a
government role, they are being selected because of their expertise, and not
Make it illegal for elected officials and top government
appointees to become lobbyists — ever. My plan bans Presidents, Vice Presidents,
Members of Congress, federal judges, and Cabinet Secretaries from ever becoming
lobbyists — not for one or two years, but for life. All other federal employees
will also be barred from lobbying their former office, agency, or House of
Congress after they leave government service for at least 2 years — or 6 years
for corporate lobbyists.
Restrict the ability of companies to buy up former federal
officials to rig the game for themselves. Under my plan,
companies would be banned from immediately hiring former senior government
officials whose agency or office the company has lobbied in the past two years.
And because the biggest and most market-dominant corporations in America also
exercise outsized political power, my plan blocks them from using personnel
hires to rig the game by banning giant companies, banks, and monopolies from
hiring former senior government officials for at least four years.
Next, we’ll hold our federal judiciary to the highest ethical
corporations and powerful interests haven’t limited their influence-peddling to
Congress and the White House. They’ve also turned their attention to the
is “no formal mechanism for review of conflicts” for Supreme Court
justices. But covering your eyes doesn’t mean there’s nothing to see. The
Federalist Society — an extremist, corporate-funded right-wing group that
hand-picked Trump’s list of Supreme Court nominees — picked up Justice Clarence Thomas’s bills to attend a
fancy retreat hosted by the Koch brothers. And for years, Justice Thomas failed
to file public disclosures indicating that his wife worked as the White House
liaison for the Heritage Foundation, a group whose
co-founder personally began the conservative push to
overturn Roe v. Wade.
not just Supreme Court Justices, either. Federal judges can do just about
anything without disclosing it, and in the rare instance where their ethical
violations are discovered and they face investigation, they can escape further
scrutiny altogether by resigning without penalty.
federal court system only works if the American people have faith that it is
neutrally dispensing fair-minded justice without bias or personal interests
interfering in judicial decisions. If we want the American people to believe
this, we need some serious judicial ethics reforms.
where I’d start:
Ensure Supreme Court Justices are held to the same standard as
the rest of the federal judiciary. Today, every federal judge is bound by a Code
of Conduct — except Supreme Court justices. It’s a recipe for corruption. We
can fix it by applying the Code of Conduct for United States Judges to Supreme
Strengthen ethics requirements for federal judges. Corporations and
advocacy organizations routinely provide federal judges with all-expenses-paid
trips to extravagant seminars. My plan tightens existing rules that prohibit
judges from accepting gifts and establishes a new fund to cover reasonable
expenses for participating in judicial seminars. No more big speaking fees and
no more fancy trips to hunting lodges and golf courses. My plan also bans
federal judges from owning individual stocks.
Require judges to disclose key information so the American
people can verify that their conduct is above ethical reproach. My plan requires the
Judicial Conference of the United States — the institution in charge of
administering our federal courts — to publicly post judges’ financial reports,
recusal decisions, and speeches to bring these activities out of the shadows.
This will build public confidence that cases are being heard by fair and
Close the loophole that allows federal judges to escape
investigations for misconduct by stepping down from their post. When Ninth Circuit
Judge Alex Kozinski was confronted with a judicial ethics investigation for
sexual misconduct towards young female law clerks, he resigned — and the investigation immediately
ended. Similarly, sexual assault and perjury complaints against Brett Kavanaugh
were dismissed when he was confirmed to the Supreme
Court, and Donald Trump’s sister Maryanne Trump-Barry resigned from the bench,
ending an investigation into the Trump family’s decades-long tax schemes, including potential fraud. Under my plan,
investigations will remain open until their findings are made public and any
penalties for misconduct are issued.
Ending Lobbying As We Know It
fundamental promise of our democracy is that every voice matters. But when
lobbyists and big corporations can buy influence from politicians, that promise
is broken. The first thing to do to fix it is to end lobbying as we know it.
Constitution guarantees the American people the right to petition their
government with grievances. Lobbying isn’t new — it’s been around for
centuries. What’s new is the weaponization of lobbying to coerce our government
into doing whatever corporate interests want. While companies have an important
role to play in our democratic conversation, the voices of corporations and
powerful interests shouldn’t be the only voices in the room. But that’s exactly
to the 1970s, there was little corporate spending on lobbying. Last year,
over eleven thousand registered lobbyists roamed the halls of
government, mostly representing their powerful clients — to the tune of over $3
billion. It’s no wonder everyone else has such a hard time breaking through the
boom in the influence-peddling game has happened around the same time that
right-wing ideologues have slashed independent government resources and
in-house expertise, which are essential for officials to maintain their
independence from the “expertise” of self-interested corporate lobbyists.
Meanwhile, most corporate lobbying work remains hopelessly opaque — nominally
governed by a patchwork of weak definitions, few meaningful restrictions, and
inadequate reporting and disclosure requirements. And the free rein granted to
corporate lobbyists to also fundraise for political campaigns crosses the line
from influence peddling to legalized bribery.
can break the grip that lobbyists for giant corporations have on our
government. Together, we can end lobbying as we know it. Here’s where to start:
Expand the definition of lobbyists to include everyone who is
paid to influence lawmakers. Because of our weak laws, only individuals who meet directly
with politicians or spend more than 20% of their time lobbying are required to register as lobbyists. That means law
firms, consultancies, and even self-described lobbying firms that hire
individuals for the express purpose of influencing government may be able to
avoid these registration requirements — allowing powerful interests to
influence policy without any public accountability. This practice, endemic on
both sides of the aisle, must end.
plan brings this activity out of the shadows by strengthening the definition of
a lobbyist to include all individualspaid to influence government.
It also creates a new designation for corporate lobbyists to identify
individuals paid to influence government on behalf of for-profit entities and
their front-groups — and subjects these corporate hired guns to additional
Ban lobbying for foreign entities — period. President Trump’s
campaign chair currently sits in prison, convicted in part of
failing to properly register his shady foreign lobbying activity on behalf of
Ukraine. But what is the justification for allowing foreign governments to use
Americans as hired guns who sit in the shadows, quietly attempting to influence
our domestic political system? That’s not how diplomacy should work. Other
nations have ambassadors and diplomatic staff in the United States. If those
governments want to interact with our political process they can do so through
normal, above-board diplomatic channels. My plan categorically bans the
practice of private lobbying for foreign governments, foreign individuals, and
foreign companies. No more K Street influence-peddlers looking out for the
interests of China, Russia, or Saudi Arabia.
Impose strict rules on all lobbyists, including preventing them
from donating to or fundraising for political candidates. Paid lobbyists are
hired for one objective: to advance the interests of their clients. Allowing
individuals who are paid to influence government officials on policy to also
give gifts or funnel money to the political campaigns of those same officials
sounds like legalized bribery. My plan not only bans lobbyists from making
political contributions, it also bans them from bundling donations or hosting
fundraisers for political candidates. And it outlaws lobbying contingency fees,
where lobbyists are only paid if they successfully influence politicians to
achieve a policy outcome that serves their client’s narrow interests.
Dramatically expand the kinds of information lobbyists are
required to disclose. Our current laws require only minimal disclosure from
lobbyists of their activities. This prevents the American people from fully
understanding who is trying to influence government — and why. My plan requires
all lobbyists to report publicly all meetings with Congressional offices or
public officials, the documents they provide to those individuals, and all
government actions they attempt to influence. It also demands that all
charitable non-profit organizations, social welfare organizations, and trade
associations disclose any donors whose money was used to develop products to
influence Congressional testimony, agency rulemaking, or for lobbying purposes.
Impose a tax on excessive lobbying — and use this revenue to
give Congress and agencies the tools to fight back against the corporate
influence machine. In 2018, lobbyists spent a whopping $3.4 billion trying to influence public policy on
behalf of their clients, including $95 million from the pro-corporate Chamber of
Commerce, $73 million from the National Association of
Realtors, and $28 million from the Big Pharma lobbying group. The
right to petition our government does not allow industries to exercise
unlimited financial influence over policymakers. That’s why I will impose a tax
on any entity that spends over $500,000 per year on lobbying. The tax will
reduce the financial incentive for excessive lobbying, and its revenue will be
used to counter the effects of excessive lobbying by providing additional
financial resources for agencies to research and review regulatory actions that
are the targets of excessive lobbying activity, as well as additional funding
for the National Public Advocate, an office established to help the public
engage with the rulemaking process, and for Congressional support agencies.
Strengthen Congressional independence from lobbyists. Congressional offices
and agencies are severely underfunded, creating unnecessary pressure to rely on
lobbyists for expertise. My plan transitions Congressional staff to competitive
salaries and reinstates the nonpartisan Congressional Office of Technology
Assessment to help members of Congress understand new areas of science and
technology — because members of Congress should be able to access expertise and
information without being dependent on lobbyists.
End Corporate Capture of our Federal Agencies
federal agencies — agencies like the Environmental Protection Agency, the
Department of Labor, and the Department of Energy — were created by Congress to
enforce and implement laws that protect the broad interests of the public
against the unrestrained exercise of corporate power. But because of the
revolving door, the avalanche of lobbyists, and the weakness of our agency
tools to fight back, agencies often find their agendas hijacked by the very
industries they are supposed to regulate. We can and should make additional
changes to strengthen agencies’ independence and their ability to act
decisively in the public interest.
are some of the steps my plan takes to address this:
Stop powerful actors from peddling fake research — often funded
by undisclosed donors — and hold corporations accountable for lying to
regulators. I’ll crack down on corporations who manipulate agencies by
submitting sham research — like the climate denial studies bought and paid for by oil and gas magnates like the Koch
Brothers — by requiring individuals who submit a public comment on a proposed
rule to disclose editorial conflicts-of-interest related to any
non-peer-reviewed research they cite. Studies that are determined to have
conflicts of interest will be withheld from the rulemaking process unless the
individual offering that research certifies that they have undergone rigorous,
independent peer review. Otherwise, we’ll treat them like the bad faith junk
science that they are, excluding them from the rulemaking process and
preventing any court from considering them too. And if a company misleads an
agency with “analysis” it knows to be false, they’ll be prosecuted just like
anyone else who lies under oath to Congress or in a court of law.
End the practice of inviting corporate bigwigs to negotiate
rules their companies would have to follow and put a stop to the stall tactics
they use to kill public interest rules. My plan restricts the parties eligible to
participate in the negotiated rulemaking process so that industry no longer has
an open door to dominate the process. It also closes the loopholes that have
allowed industry and agencies to delay the implementation of rules it
disfavors, including by ending so-called informal review, reducing the review
period to 45 days, and clarifying that only Appeals Courts — not individual
Federal District judges — can temporarily block the implementation of rules.
And my plan requires agencies to publicly justify the withdrawal of any public
Give the public the tools to fight back against corporations who
seek to co-opt this process for their benefit. My plan establishes an
Office of the Public Advocate to help the public engage with important legal
changes made by federal agencies during the rulemaking process. I’ll also allow
private individuals to bring lawsuits against federal agencies for
unnecessarily delaying or failing to enforce agency rules — and against corporations
who have violated them.
Ensuring Access to Justice for All
justice is supposed to be the promise of the American legal system. But it’s
not delivering on that promise. Instead, we have one system for the wealthy and
the well-connected, and a different one for everyone else. It’s hard enough to
hold a powerful company accountable through our legal system, but recent developments in the law have made it even harder for
individuals to even bring those cases in the first place. We need to reform our
legal rules to make sure every person who has been harmed can have their day in
how I’ll start:
Ban forced arbitration clauses. Many companies force
their employees and consumers to sign “forced arbitration” clauses as part of
their contracts for employment or for services. These clauses mean that if
something goes wrong, individuals agree to never file a lawsuit in federal
court against the company — and instead are diverted into a private dispute
system. These provisions are often tucked in the fine print of contracts
that workers or consumers sign, and many people don’t even know that they have
signed one until they have been harmed and need our courts to help them get
justice. These provisions shouldn’t be enforceable, but the conservative
majority in the Supreme Court decided that because there was no law explicitly
against them, they could be freely enforced. So let’s pass that law. My plan
categorically bans forced arbitration clauses from blocking lawsuits related to
employment, consumer protection, antitrust, and civil rights.
Ban mandatory class action waivers. When workers or consumers
are wronged by a company, they should be able to band together and seek
justice. Taking on a big corporation’s army of lawyers takes enormous sums of
money and legal expertise. But class action waivers tucked into consumer and
employment contracts prevent individuals from suing together.
That makes it virtually impossible to pursue a lawsuit, and gives companies unlimited
license to rip you off without any consequences. These anti-worker and
anti-consumer provisions shouldn’t be enforceable, but because of a Supreme Court decision written by Justice Gorsuch, they’re
alive and well. That’s why my plan would restore the fundamental right of
workers and consumers to join together when they are wronged by banning these
provisions in employment, consumer protection, antitrust, and civil rights
Restore fair pleading standards. When you file a
lawsuit, one of the first steps of the legal process is called “discovery.”
That’s when you’re supposed to ask questions and gather facts about your case,
but a pair of recent Supreme Court decisions upended decades of pleading standards, making it difficult
to file a case without already having many of these facts. These widely
criticized cases deprive plaintiffs of their day in court, and allow
powerful defendants to successfully dismiss cases before they even begin. My
plan would undo this damage by restoring fair pleading standards so that every
person who has been harmed gets their day in court.
Holding Bad Actors Accountable
reforms I’ve outlined will go a long way toward cleaning up Washington. But we
also need strong enforcement mechanisms and broad transparency requirements to
make sure we can hold bad actors accountable.
Let’s start with real penalties for violating the rules.
Washington, corrupt actors should face penalties when they break the law — not
return to business as usual.
how my plan would fix this:
Establish a new U.S. Office of Public Integrity and strengthen
ethics enforcement. The new office will investigate ethics complaints from the
public, impose civil and administrative penalties on violators, and refer
egregious violations to the Department of Justice for criminal prosecution.
Expand and strengthen the independent Office of Congressional
plan ensures this office has the proper authorities and resources to conduct
investigations, refer civil and criminal violations to the appropriate
authorities, and recommend disciplinary action to the House and Senate Ethics
Expand the definition of “official act” in bribery statutes to
criminalize the sale of government access. When a politician
accepts gifts in exchange for government favors, that’s bribery — but thanks to
a wrong-headed Supreme Court decision in United States v. McDonnell,
our laws don’t fully recognize it. My plan plugs that tractor-sized loophole
and ensures that corrupt politicians who accept bribes can be prosecuted. It
also clarifies that a stream of benefits — rather than a single act — qualifies
as an unlawful benefit paid in exchange for a bribe.
Clarify the definition of “in-kind contributions” to ensure that
no future candidate can receive political assistance from foreign countries or
solicit large hush money payments without facing legal consequences. Politicians and
advisors like Donald Trump Jr. have reportedly tried to receive help from
foreign countries, even though it is illegal for foreign individuals to provide
in-kind contributions to campaigns. And Donald Trump directed Michael Cohen to spend $130,000 to cover
up an affair so it would not come to light before the 2016 election, despite
laws preventing him from soliciting large in-kind contributions. Although a
federal judge accepted Cohen’s guilty plea, Trump’s lawyers and defenders continued to insist that what Cohen did — and what
Trump solicited — was not a crime. My plan settles this debate and clarifies
that the rules governing in-kind contributions also apply to intangible
benefits, such as dirt on political opponents, and in-kind financial contributions,
like the payment of hush money, when those contributions are made at least in
part — even if not exclusively — for campaign purposes.
Deter Corruption Through Broad New Government Transparency
government is supposed to work for the people, then the people should be given
enough information to judge how well their government is working for them. Too
many government records are kept behind lock and key, making it impossible for
the public to hold their government accountable. Significant legal actions that
have implications for public health and safety can be kept secret. And the
actions of federal contractors — the companies often tasked with the
implementation of government policies and programs, like Trump’s family
separation policy — are almost completely concealed from public view, thanks to
an assortment of exemptions and loopholes.
how my plan would shine a light on government activity:
Prohibit courts from sealing records involving major public
health and safety issues. When people were killed by ignition defects in
Chevrolet vehicles, General Motors settled the cases on the condition that all
documents related to the defects would be sealed from public view. It wasn’t an isolated
incident. Big corporations routinely use secret settlements to keep defective
products on the market so they can continue to rake in profits. That must stop.
My plan bans courts from sealing records in cases involving public health and
safety, with rare exceptions, so that corporations cannot conceal these
dangerous conditions from the American people.
Impose strict transparency standards for federal courts and
remove barriers to accessing electronic judicial records. My plan requires
federal appellate courts to livestream audio of their proceedings, share case assignment
data in bulk, and make all electronic case records — which currently must be
purchased from the government — more easily accessible and free of charge.
Strengthen federal open records laws to close loopholes and
exemptions that hide corporate influence, and increase transparency in
Congress, federal agencies, and nonprofits that aim to influence policy. The American people
have a right to know whether their elected leaders are acting in the public’s
best interest — and who is trying to influence them. Under my plan,
Congressional committees, government agencies, and federal contractors would be
required to publicly release key information so that the American people — and
the American press — can hold the federal government accountable.