Tag Archives: racial justice

Biden Presents Plan to ‘Build Back Better’ by Advancing Racial Equity Across the American Economy

Vice President Joe Biden, the presumptive Democratic candidate for president, has offered a long list of specific plans to solve the nation’s most pressing problems, and now crises (c) Karen Rubin/news-photos-features.com.

Against an incumbent who only knows how to destroy, tear down, break up, cast blame, Vice President Joe Biden, the presumptive Democratic candidate for president, has offered a long list of specific plans to solve the nation’s most pressing problems, and now crises. Here he outlines his plan to Build Back Better with a specific agenda for advancing racial equity in the American economy. This is from the Biden campaign:

The Biden Plan to Build Back Better by Advancing Racial Equity Across the American Economy

Joe Biden’s jobs and economic recovery agenda is built on the proposition that we must build our economy back better than it was before the COVID-19 crisis.
 
Over the last month, Biden has been laying out his vision for a stronger, resilient, and inclusive economy. He believes in an economy where every American enjoys a fair return for their work and an equal chance to get ahead. An economy more vibrant and more powerful precisely because everybody will be included in the deal. An economy where Black, Latino, Asian American and Pacific Islander (AAPI), and Native American workers and families are finally welcomed as full participants.
 
Today, multiple, overlapping crises reinforce how far we have to go to deliver on that vision. The pandemic has shone a bright light on racial disparities in health and health care — as Black and Brown Americans have suffered and died from the coronavirus at rates far higher than white Americans. The economic crisis has hit Black and Brown communities especially hard, with Black unemployment at 15.4 percent, Latino unemployment at 14.5 percent, and businesses owned by Black, Latino, and Asian American people closing down at alarming rates. We are also seeing a national reckoning on racial justice and the tragic human costs of systemic racism in the murder of George Floyd and so many other Black men, women, and children. And through it all, the climate crisis mounts, with air and water pollution, superstorms and extreme weather, disproportionately impacting Black and Brown communities.
 
Biden believes we cannot build back better without a major mobilization of effort and resources to address these challenges and to advance racial equity across the American economy. That is why racial equity is a distinct pillar of his Build Back Better plan, as well as incorporated in each of the other pillars. Biden will remove barriers to participation in our economy, expand access to opportunity, and fully enforce the policies and laws that we already have on the books — and the pledges Biden has made in this campaign.
 
In laying out his Build Back Better agenda, Biden has announced bold investments — in infrastructure, innovation, manufacturing, education, housing, clean energy, federal procurement, and small businesses. Today, as the fourth pillar of the Build Back Better Agenda, he is announcing how he will direct many of these investments to advance racial equity as part of our nation’s economic recovery.
 
Specifically, Biden will:

  • Spur Public-Private Investment through a New Small Business Opportunity Plan
  • Reform Opportunity Zones to Fulfill Their Promise
  • Make a Historic Commitment to Equalizing Federal Procurement
  • Ensure His Housing Plan Makes Bold Investments in Homeownership and Access to Affordable Housing for Black, Brown, and Native Families
  • Achieve Equity in Management, Training, and Higher Education Opportunities Connected to the Jobs of the Future
  • Boost Retirement Security and Financial Wealth for Black, Brown, and Native Families
  • Ensure Workers of Color Are Compensated Fairly and Treated With Dignity
  • Ensure Equity in Biden’s Bold Infrastructure and Clean Energy Investments
  • Support Second Chances for Economic Success
  • Strengthen the Federal Reserve’s Focus on Racial Economic Gaps
  • Promote Diversity and Accountability in Leadership Across Key Positions in All Federal Agencies
  • Build a 21st Century Care Infrastructure
  • Address Longstanding Inequities in Agriculture 

SPUR PUBLIC-PRIVATE INVESTMENT THROUGH A NEW SMALL BUSINESS OPPORTUNITY PLAN
 
Small business ownership is one of our country’s cornerstones for wealth building and job creation. However, persistent racial disparities in wealth and access to capital, combined with outright discrimination in the financial sector, have contributed to inequities in small business ownership, growth, and success. To address the racial wealth gap, the opportunity gap, and the jobs gap for Black and Brown people, Biden will launch a historic effort to empower small business creation and expansion in economically disadvantaged areas – and particularly for Black-, Latino-, AAPI-, and Native American-owned businesses. In addition to providing small businesses with an ambitious “restart package” to survive the current crisis and come out the other side strong, he is launching a special, ongoing initiative to empower these entrepreneurs to succeed and grow with a three-prong Small Business Opportunity Plan. His plan is consistent with key elements in the Jobs and Neighborhood Investment Act recently proposed by Democratic Senators Chuck Schumer, Mark Warner, Cory Booker, and Kamala Harris. Biden will:

  • Spur more than $50 billion in additional public-private venture capital to Black and Brown entrepreneurs by funding successful state and local investment initiatives and making permanent the highly effective New Markets Tax Credit.
  • Expand access to $100 billion in low-interest business loans by funding state, local, tribal and non-profit lending programs in Black and Brown communities and strengthening Community Development Financial Institutions (CDFIs), Minority Depository Institutions (MDIs), and the Community Reinvestment Act.
  • Eliminate barriers to technical assistance and advisory services by investing in a national network of cost-free business incubators and innovation hubs and intensive business seminars.

Collectively, Biden will leverage more than $150 billion in new capital and opportunities for small businesses that have been structurally excluded for generations. Biden will devote $30 billion (or 10%) of the $300 billion in innovation funding as part of his plan to ensure the future is “Made in All of America” to the Small Business Opportunity Fund to leverage private investment of $5 for each $1 of new public investment to reach this $150 billion. And, by empowering the financial institutions that support businesses owned by Black and Brown people, generating new capital, and providing robust technical assistance, Biden will unleash the full potential of small businesses and entrepreneurs.
 
Spur More than $50 Billion in New Equity Investment and Venture Capital for Entrepreneurs in Economically Disadvantaged Areas: Black and Brown entrepreneurs face unique barriers to obtaining the capital that they need to start and grow a business. For example, three-fourths of venture capital goes to just four cities – and far too little flows to businesses owned by Black and Brown people. To address this problem, Biden will:  

  • Dramatically increase the availability of venture capital investments for small businesses, especially those owned by Black and Brown people. The Obama-Biden Administration’s State Small Business Credit Initiative (SSBCI) succeeded in expanding venture capital in states and areas too often left behind. More than 80% of venture capital supported by the SSBCI went to states that typically receive just 20% of private venture capital. Biden will expand those efforts by allocating $10 billion from the new Small Business Opportunity Fund to state and local venture capital programs that, based on past SSBCI investments, can spur $50 billion in new equity investment for small businesses. This new investment will be targeted to entrepreneurs who create jobs and growth in lower-income urban, tribal, and rural areas, with an emphasis on reaching businesses owned by Black and Brown people. This robust funding will help meet the goal Biden laid out in his “Made in All of America” initiative of venture capital and innovation investments benefiting all Americans across all of America.
  • Encourage private equity investment in businesses owned by Black and Brown people by expanding the New Markets Tax Credit (NMTC) to $5 billion yearly and making it permanent.  The NMTC provides a credit of up to 40% for equity investment in small businesses that are pre-approved as benefiting low- and moderate-income areas. It is highly efficient: Every $1 of public funding leverages $8 of private investment. Through 2019, the NMTC supported $100 billion of investments in businesses and economic development projects to help revitalize disadvantaged communities. Expanding the NMTC will provide more investors the incentive to fund businesses owned by Black and Brown people. By increasing NMTC funding and making it permanent  – together with the bold new venture funding in the Small Business Opportunity Fund – Biden will help ensure that more than $50 billion in additional venture and equity capital flows to small businesses and communities that have been held back due to systemic racism. And he will work to ensure that tribal projects benefit from the credit. 

Leverage $100 Billion in Additional Financing for Small Businesses: In 2019, only 10% of funding from the Small Business Administration’s (SBA) major lending programs went to Black, Latino, and Native American entrepreneurs. Meanwhile, the Paycheck Protection Program has been rife with inequities: A recent “secret shopper” study by the National Community Reinvestment Coalition found that when Black small businesses applicants contacted a bank, nearly half the time, they were given inferior treatment to white applicants with nearly identical credit histories and business profiles. To address this problem, Biden will:

  • Expand lending through the expanded Small Business Opportunity Fund. Every $1 for state lending programs under the Obama-Biden SSBCI was proven to leverage anywhere from $5 to $23 of increased lending for small businesses through lending programs like capital access programs, revolving loan funds, and collateral assistance. Approximately 80% went to small businesses with 10 or fewer full-time employees. Biden will dramatically expand and broaden successful state, local, tribal, and non-profit programs that provide low-cost lending to minority small businesses and others serving underserved areas. In addition to supporting state initiatives for disadvantaged small businesses, Biden will also include an innovation fund that will allow coalitions of cities, CDFIs, or non-profits to seek funding to create or expand small business lending programs that disproportionately benefit small businesses owned by Black, Latino, AAPI, and Native American people and those serving low income communities.
  • Capitalize Community Development Financial Institutions. CDFIs are on the frontlines of the battle to close the racial wealth gap. Biden will seek to expand the role of CDFIs in underserved communities around the country by doubling their direct funding, making them a top vehicle for funding from the Small Business Opportunity Fund, and expanding their capacity to offer both micro-loans to small start-ups and larger loans to existing small businesses who have the capacity to grow. Biden will use the Small Business Opportunity Fund to strengthen CDFI stability and lend through targeted policies, such as those proposed in the Jobs and Neighborhood Investment Act. He will also ensure these investments direct increased resources to the Native American CDFI Assistance Program (NACA Program), which has proven a successful way to increase capital access across Indian Country.
  • Ensure all small business relief efforts are specifically designed to aid businesses owned by Black and Brown people. Trump’s team designed the PPP to allow the largest banks to give their most well-off clients “concierge” service at the front of the line while closing the door on Black-, Latino-, AAPI-, and Native American-owned businesses that did not have deep relationships with big banks. Biden will ensure from the start that any emergency small business relief plan that will still be needed in January 2021 will have clear provisions to ensure that true small businesses — especially those owned by Black and Brown people and those serving underserved rural, tribal, and urban areas — get the relief they need. He will reserve half of new small business relief — whether the PPP or future efforts — for small businesses with 50 employees or fewer, including microbusinesses and sole proprietorships, so the bigger and more well-connected aren’t able to win in a first-come, first-served race. Biden’s technical assistance programs — described below — will also involve “navigator” assistance for small — often minority-owned — businesses to ensure fair access to these programs.
  • Strengthen and expand the Community Reinvestment Act to ensure that our nation’s bank and non-bank financial services institutions are serving all communities. The Community Reinvestment Act currently regulates banks, but does little to ensure that “fintechs” and non-bank lenders are providing responsible access to all members of the community. On top of that gap, the Trump Administration is proposing to weaken the law by allowing lenders to receive a passing rating even if the lenders are excluding many neighborhoods and borrowers. Biden will expand the Community Reinvestment Act to apply to mortgage and insurance companies, add a requirement for financial services institutions to provide a statement outlining their commitment to the public interest, and, importantly, reverse new rules that allow these institutions to avoid lending and investing in all of the communities they serve.

Expanding Access to Additional Resources and Technical Assistance for Black and Brown Entrepreneurs: There are no limits or barriers to the talent and entrepreneurial spirit across our nation. Yet, for many, there are major limits to accessing the networks and professional services needed to succeed. For small businesses in underserved communities, this type of assistance is often unavailable or unaffordable, creating an additional barrier to opportunity. As President, Biden will launch an Expanding Entrepreneurship Initiative that provides all Americans, regardless of their background, with the resources and technical assistance they need to start and grow their own business. This initiative will:

  • Create a national network of federally funded small business incubators and innovation hubs. Many new businesses stand to benefit from the proliferation of for- and non-profit business incubators and innovation hubs. However, these organizations do not exist in every community and are rarely free. As President, Biden will increase federal funding for non-profit incubators and innovation hubs around the country, especially those serving Black, Latino, AAPI, and Native American entrepreneurs to ensure that all Americans, regardless of race or wealth, have a fair shot at starting and growing their own business. Biden will co-locate new hubs on the grounds of Small Business Development Centers, public libraries, community colleges, Historically Black Colleges and Universities (HBCUs), Tribal Colleges and Universities (TCUs), and Minority Serving Institutions (MSIs). These non-profit organizations will offer shared office and manufacturing space; business coaching; opportunities to partner with national laboratories and commercialize federally funded research; and legal, human resources, accounting, regulatory compliance, and information technology services to aspiring entrepreneurs free of charge for a period of up to two years. While some incubators and innovation hubs may specialize in specific industries depending on the regional economy, they will welcome and support all start-ups.
  • Establish an intensive, semester-long business development program at every public community college in the United States, as well as two-year HBCUs, TCUs, and MSIs. Many Americans with a business idea don’t know where to get started. While business classes exist, many of them are prohibitively expensive, especially for an aspiring entrepreneur who is already worried about how they are going to come up with enough money to open their first business. As President, Biden will create a new federal grant program to establish free business development programs at the more than 1,000 public community colleges around the country. Business experts and, where possible, experienced entrepreneurs will lead course instruction and provide hands-on assistance to program participants. Classes will take place during the evenings and on weekends to provide greater flexibility to students and instructors. Upon completion of the free program, participants will be eligible for ongoing technical assistance for up to two years.
  • Increase the funding and stature of the Minority Business Development Agency (MBDA). Latino and Black Americans are roughly 30% of the U.S. population; yet they currently own just 7.5% of small businesses with employees. For almost four years, the only federal agency charged with addressing racial disparities in small business ownership has been on the Trump administration’s chopping block. MBDA provides business consulting services and connects minority-owned businesses with capital and contracting opportunities. These services are critical. Instead of trying to reduce or eliminate funding for MBDA, Biden will protect the agency and call on Congress to increase its funding dramatically. Biden will elevate the Director of the MBDA to the Assistant Secretary level and instruct the MBDA to coordinate all federal offices charged with reducing barriers to procurement for underrepresented groups. With additional resources and authority, MBDA will also be able to create new business development grants and other programs that will address the economic challenges facing Black and Brown communities, expand small business ownership, and shrink the racial wealth gap. In addition, Biden will provide MBDA with $5 billion in annual lending and investment authority to ensure capital flows directly to minority-owned businesses and investments in critical infrastructure in Black, Latino, AAPI, and Native American communities.
  • Unleash the full potential of businesses owned by Black and Brown people and other disadvantaged businesses to participate in the global marketplace. Biden believes American small businesses can compete and win in global markets – and small businesses owned by Black and Brown people have unique strengths to help win in these markets.  Biden will help Black and Brown Americans grow their exports by: 1) requiring U.S. corporations with over $1 billion in revenues that receive federal financing or incentives for their global business to publicize data on their use of firms owned by Black and Brown Americans in their supply chains; 2) requiring the U.S. International Development Finance Corporation and other U.S.-based international development organizations to increase global contracting opportunities for firms owned by Black and Brown Americans; 3) requiring U.S. construction companies and others that build projects abroad for the United States government to develop strategies to increase partnerships with American small businesses owned by Black and Brown people; and 4) requiring the Export-Import Bank to increase its small business financing and develop targets for the percent of authorized value of its transactions going to businesses owned by Black and Brown Americans.
  • Employ the resources of the federal government to protect Native artisans. Arts and crafts are a big economic driver for Indian Country, but too many businesses devalue the livelihood of Native American artists by selling fake Native American art. Biden will call on the U.S. Department of Justice to bring more prosecutions under the Indian Arts and Crafts Act, a federal truth-in-advertising law that prohibits the marketing and sale of products that are inaccurately marketed as an Indian product or Native-produced.

REFORM OPPORTUNITY ZONES TO ENSURE THEY SERVE BLACK AND BROWN COMMUNITIES, SMALL BUSINESSES, AND HOMEOWNERS
 
Like many Americans, Biden initially hoped that Opportunity Zones would be structured and administered by the Trump Administration in a way that advanced racial equity, small business creation, and homeownership in low-income urban, rural, and tribal communities. It is now clear that the Trump Administration has failed to deliver on that promise in too many places around America. As the Urban Institute has found, the program as a whole is “not living up to its economic and community development goals.” While there have been positive examples, in too many instances investors favor high-return projects like luxury apartments over affordable housing and local entrepreneurs.
 
We cannot close the racial wealth gap if we allow billionaires to exploit Opportunity Zones tax breaks to pad their wealth, rather than investing in projects that benefit distressed low-income communities and Americans that are struggling to make ends meet. As President, Joe Biden will task his team to develop a plan for reforming Opportunity Zones, including steps like:

  • Incentivizing Opportunity Funds to partner with non-profit or community-oriented organizations, and jointly produce a community-benefit plan for each investment, with a focus on creating jobs for low-income residents and otherwise providing a direct financial impact to households within the Opportunity Zones.
  • Directing that Opportunity Zone benefits be reviewed by the Department of Treasury to ensure these tax benefits are only being allowed where there are clear economic, social, and environmental benefits to a community, and not just high returns — like those from luxury apartments or luxury hotels — to investors.
  • Introducing transparency by requiring recipients of the Opportunity Zone tax break to provide detailed reporting and public disclosure on their Opportunity Zone investments and the impact on local residents, including poverty status, housing affordability, and job creation.

MAKE A HISTORIC COMMITMENT TO EQUALIZING FEDERAL PROCUREMENT AS PART OF HIS BOLD PROCUREMENT PLAN
 
Biden’s Build Back Better plan includes a historic procurement effort designed to support small businesses and tackle long standing inequities in the federal contracting system. During his first term, Biden will tighten Buy American requirements for existing procurement and invest $400 billion in additional federal purchases of products made by American workers. And, he will make transparent, targeted investments that unleash new demand for domestic goods and services and create American jobs in communities across the country. As part of this effort, his multi-pronged small business contracting strategy will include formula-based awards; widespread outreach and counseling to small business owners, especially Black and Brown business owners; and transparent, frequent monitoring of contract awards. This will make certain that the largest mobilization of public investments in procurement, infrastructure, and R&D since WWII is equitably distributed across communities and businesses. Biden will also take concrete steps to streamline the federal procurement process as a whole and ensure it finally mirrors the demographics of this country. Specifically, Biden will:

  • Require prime contractors to develop and execute plans to increase subcontracting opportunities for small disadvantaged businesses (SDBs). As President, Biden will fully enforce existing laws that require prime contractors who bid for federal procurement opportunities to develop ambitious plans for subcontracting with small disadvantaged businesses. Biden will ensure prime contractors honor their commitments to SDBs by requiring detailed status updates and increasing SBA’s capacity to provide robust oversight and hold all bad actors accountable. Prime contractors will also have to regularly publish their business diversity data. The MBDA will publish an annual report that outlines the current state of minority business contracting (including racially disaggregated data on contract awards), updates the public on the administration’s progress towards meeting contracting goals, and identifies areas for improvement.
  • Expand long-term technical assistance and federal contracting preferences for small disadvantaged businesses. The SBA 8(a) program is currently one of the most effective tools for connecting small disadvantaged businesses to federal contracting opportunities. In Fiscal Year 2019 alone, 8(a) firms won $30 billion in federal contracts. As President, Biden will triple the federal goal for contracting with all small disadvantaged businesses from 5 percent to a minimum of 15 percent of all federal procurement dollars by 2025. He will increase the program’s administrative capacity, bolster marketing of the program in Black and Brown communities and tribal lands, streamline the application process, and create a national standard for service delivery. Biden will also extend the maximum length of time that a firm may participate in the 8(a) program and create a more supportive off-ramp to help graduates transition out. Biden will require public disclosure of program participant demographics to ensure participation is equitable.
  • Incentivize state and local governments and private sector partners to contract with small disadvantaged businesses. As Biden works to improve the federal procurement system, he will ask state and local governments and private sector partners to publicly share their small disadvantaged business contracting goals and strategies. Biden will work with them to develop new goals for SDB contracting and timebound strategies for achieving these goals. The administration will facilitate partnerships between these entities and require every institution that applies for federal grants, contracts, and other opportunities to demonstrate in writing how they are taking affirmative steps to extend contracting opportunities to underrepresented groups. And, he will publish a nationwide scorecard of each state’s efforts to contract with small disadvantaged businesses.
  • Protect small disadvantaged businesses from federal and state contract bundling which often prevents smaller firms owned by Black and Brown people from effectively bidding on procurement contracts. Biden will build on the anti-bundling provisions of the Small Business Jobs Act of 2010, by having the Office of Management and Budget, SBA, and MBDA conduct a government-wide review of existing contract bundling to determine whether agencies are following existing rules and whether agencies have the ability to further ensure small business participation in federal and state procurement opportunities.
  • Strengthen implementation of the Buy Indian Act within the Bureau of Indian Affairs and the Indian Health Service to increase procurement opportunities for Native owned businesses.

Throughout, Biden will ensure federal dollars support American workers and their families. As called for in his plan to strengthen worker organizing, collective bargaining, and unions, Biden will require that all companies receiving procurement contracts are using taxpayer dollars to support good American jobs, including a commitment to pay at least $15 per hour, provide paid leave, maintain fair overtime and scheduling practices, and guarantee a choice to join a union and bargain collectively.

ENSURE HIS HOUSING PLAN MAKES BOLD INVESTMENTS IN HOMEOWNERSHIP AND ACCESS TO AFFORDABLE HOUSING FOR BLACK, LATINO, NATIVE, AND AAPI FAMILIES
 
Biden believes the middle class isn’t a number, but a value set that includes the ability to own your own home and live in a safe community. Housing should be a right, not a privilege.
 
Today, however, far too many Americans lack access to affordable and quality housing. Racial inequality permeates U.S. housing markets, with homeownership rates for Black, Latino, AAPI, and Native American households far below those of their white counterparts. Because home ownership is how many families save and build wealth, these racial disparities in home ownership contribute to the racial wealth gap. It is far past time to put an end to systemic housing discrimination and other contributors to this disparity.
 
At the same time, many families around the country face immediate risk of eviction in the midst of the Trump-created economic crisis. In June, more than one-third of renters—including 49% of Hispanic families and 43% of Black families— were not sure that they could pay their next month’s rent. To prevent a catastrophic rise in evictions and homelessness, Congress and President Trump must act now by creating a broad emergency housing support program modeled on the steps the government takes to address natural disasters, in order to get help out quickly and at scale. 
 
To help families build wealth, secure a safe place to live in a vibrant and prosperous community, and ensure equal access to all aspects of the housing market, Biden will:

  • Help families buy their first homes and build wealth by creating a new refundable, advanceable tax credit of up to $15,000. Biden’s new First Down Payment Tax Credit will help low- and middle-income families offset the costs of home buying and help millions of families lay down roots for the first time. Building off of a temporary tax credit expanded as part of the Recovery Act, this tax credit will be permanent and advanceable, meaning that homebuyers receive the tax credit when they make the purchase instead of waiting to receive the assistance when they file taxes the following year.
  • Scale up support for investing in homeownership in revitalization areas. Several programs are designed to provide much needed support for families to invest in homeownership in distressed or marginalized neighborhoods including: HUD’s Good Neighbor Next Door program, which offers financial support for teachers, firefighters, and other critical workers to buy homes in distressed communities, and HUD’s Home Investment Partnership Program, which offers block grants for states to address the affordable housing challenges faced by low- and moderate-income families. And the proposed Neighborhood Homes Investment Act will provide tax credits for families to renovate distressed properties in distressed communities. A Biden Administration will scale these programs to help revitalize distressed neighborhoods across the nation and put more families into position to build wealth through homeownership.  
  • Spur the construction of 1.5 million homes and public housing units to address the affordable housing crisis, increase energy efficiency, and reduce the racial wealth gap. Biden will make a bold federal investment in new affordable, accessible housing construction. He will ensure these homes are energy efficient from the start – saving the families who live there up to $500 per year. Biden will also drive additional capital into low-income communities and on tribal lands to spur the development of affordable housing and small business creation. He’ll incentivize smart regional planning that connects housing, transit, and jobs, improving quality of life by cutting commute times, reducing the distance between living and leisure areas, and mitigating climate change. For all of these new housing investments, those receiving assistance will be required to abide by high labor standards and source materials in the U.S. so that jobs created with these investments support family sustaining wages and benefits.
  • Call for more accurate, non-discriminatory, inclusive credit scoring and create a public credit reporting agency. Being able to obtain an accurate credit report and score  is a critical step for homeownership. But today credit scoring and reports, which are issued by just three large private companies, are rife with problems: they often contain errors, they leave many “credit invisible” due to the sources used to generate a credit score, and they contribute to racial disparities. Biden will create a new public credit reporting and scoring division within the Consumer Financial Protection Bureau to provide consumers with a government option that seeks to minimize racial disparities, for example by ensuring the algorithms used for credit scoring don’t have a discriminatory impact, and by accepting non-traditional sources of data like rental history and utility bills to establish credit. As a first step to more broad-based support for these scores, Biden will call on federal housing programs to accept these scores in their financial assessments and underwriting requirements
  • Protect homeowners and renters from abusive lenders and landlords through a new Homeowner and Renter Bill of Rights. Modeled on the California Homeowner Bill of Rights, Biden will enact legislation to end many shortcomings in the mortgage and rental markets.
  • Bolster programs that improve housing affordability for renters. Biden will provide Section 8 housing vouchers to every eligible family so that no one has to pay more than 30% of their income for rental housing and work with Congress to enact a new renter’s tax credit, designed to reduce rent and utilities to 30% of income for low-income individuals and families who may make too much money to qualify for a Section 8 voucher but still struggle to pay their rent.
  • Protect tenants from eviction. In addition to supporting immediate relief for tenants facing eviction during this crisis, Biden will work to enact Majority Whip James E. Clyburn and Senator Michael Bennet’s Legal Assistance to Prevent Evictions Act of 2020, which will help tenants facing eviction access legal assistance. He also will encourage localities to create eviction diversion programs, including mediation, payment plans, and financial literacy education programs.
  • Eliminate local and state housing regulations that perpetuate discrimination. Exclusionary zoning has for decades been strategically used to keep Black and Brown people and low-income families out of certain communities. Among other steps, Biden will enact legislation requiring any state receiving federal dollars through the Community Development Block Grants or Surface Transportation Block Grants to develop a strategy for inclusionary zoning, as proposed in the HOME Act of 2019 by Majority Whip Jim Clyburn and Senator Cory Booker.
  • Hold financial institutions accountable for discriminatory practices in the housing market. The Obama-Biden Administration held major national financial institutions accountable for discriminatory lending practices, securing hundreds of millions of dollars in settlements to help borrowers who had been harmed by their practices. And in 2013, the Obama-Biden Administration codified a long-standing, court-supported view that lending practices that have a discriminatory impact can be challenged even if discrimination was not explicit. But now the Trump Administration is seeking to gut this disparate impact standard by significantly increasing the burden of proof for those claiming discrimination. In the Biden Administration, this change will be reversed to ensure financial institutions are held accountable for serving all customers and not practicing policies that have the effect of deepening the impacts of systemic housing discrimination.
  • Roll back Trump Administration policies gutting fair lending and fair housing protections for homeowners. Biden will implement the Obama-Biden Administration’s Affirmatively Furthering Fair Housing Rule requiring communities receiving certain federal funding to proactively examine housing patterns and identify and address policies that have a discriminatory effect. The Trump Administration suspended this rule in 2018. Biden will ensure effective and rigorous enforcement of the Fair Housing Act and the Home Mortgage Disclosure Act. And, he will reinstate the federal risk-sharing program which has helped secure financing for thousands of affordable rental housing units in partnership with housing finance agencies.   

See Joe Biden’s full housing plan at https://joebiden.com/housing/
 
ACHIEVE EQUITY IN MANAGEMENT, TRAINING, AND HIGHER EDUCATION OPPORTUNITIES CONNECTED TO JOBS OF THE FUTURE
 
Stark racial disparities exist at every stage of our education system. These disparities compound and contribute to inequity in economic, health, housing, and criminal justice outcomes. As President, Biden will make significant investments into educational institutions and programs that are designed to elevate Black and Brown students.  He will:

  • Provide relief from student debt. Student debt burdens are unequal across races, disproportionately depriving young Black and Latino graduates from beginning their working lives free of crushing student loan debt. The typical bachelor’s degree graduate has about $16,000 in debt compared to $23,400 for Black students. According to a recent Brookings Institution study, Black graduates with a four year degree are five times more likely to default on their student loans than white graduates and a 2019 study found that Latino students are more likely than white students to default on their loans. The inequitable burden of student loan debt contributes to the stark racial wealth gap that exists in society. Biden has introduced a sweeping plan to provide relief from student loan debt. He will:
    • Include in the COVID-19 response an immediate cancellation of a minimum of $10,000 of federal student loan debt.
    • Double the maximum value of Pell grants and significantly increase the number of middle-class Americans who can participate in the program.
    • More than halve payments on undergraduate federal student loans by simplifying and increasing the generosity of today’s income-based repayment program.
    • Fix the Public Service Loan Forgiveness Program and forgiving $10,000 of undergraduate or graduate student debt for every year of national or community service, up to five years.
    • Crack down on private lenders profiteering off students by empowering the Consumer Financial Protection Bureau to take action against private lenders who are misleading students about their options and do not provide an affordable payment plan when individuals are experiencing acute periods of financial hardship.
    • Forgive all undergraduate tuition-related federal student debt from two- and four-year public colleges and universities and private HBCUs and MSIs for debt-holders earning up to $125,000.
  • Make public colleges and universities, as well as private HBCUs and MSIs,  tuition-free for all families with incomes below $125,000. Biden will make public colleges and universities and private HBCUs and MSIs tuition-free for all students whose family incomes are below $125,000. This proposal will help roughly 91 percent of Black households and 88 percent of Latino households, and 91 percent of Native American households.
  • Support colleges and universities that play unique and vital roles in their communities. In his higher education plan, Biden laid out a wide-ranging plan to improve resources available to Historically Black Colleges and Universities (HBCUs), Tribal Colleges And Universities (TCUs), Hispanic-serving Institutions (HSIs), Asian American And Native American Pacific Islander-serving Institutions (AANAPISIs), Alaska Native-serving Institutions and Native Hawaiian-serving Institutions (ANNHs), Predominantly Black Institutions (PBIs), and Native American-serving Nontribal Institutions (NASNTIs) that serve a disproportionate number of Black and Brown students, yet are severely under-resourced, especially when compared to other colleges and universities. Biden will:
  • Make HBCUs, TCUs, and MSIs more affordable for their students. Biden will provide tuition-free access to four-year public HBCUs and MSIs for students from families earning below $125,000. And, he will invest in grants to under-resourced, private-nonprofit HBCUs and MSIs so they can lower the cost of attendance for low- and middle-income students, including DREAMers. Schools receiving funds must invest in lowering costs, improving retention and graduation rates, and closing equity gaps year-over-year for Black and Brown students.
  • Invest in the diverse talent at HBCUs, TCUs and MSIs to solve the country’s most pressing problems. The Biden Administration will invest $10 billion to create at least 200 new centers of excellence that serve as research incubators and connect students underrepresented in fields critical to our nation’s future – including fields tackling climate change, globalization, inequality, health disparities, and cancer – to learning and career opportunities. These funds will provide additional work study opportunities and incentivize state, private, and philanthropic dollars for these centers. Biden will also boost funding for agricultural research at land-grant universities, many of which are HBCUs and TCUs, as outlined in his Plan for Rural America. As President, Biden will also dedicate additional and increased priority funding streams at federal agencies for grants and contracts for HBCUs and MSIs. And, he will require any federal research grants to universities with an endowment of over $1 billion to form a meaningful partnership and enter into a 10% minimum subcontract with an HBCU, TCU, or MSI.
  • Build the high tech labs and facilities and digital infrastructure needed for learning, research, and innovation at HBCUs, TCUs, and MSIs. Biden will invest $20 billion in infrastructure for HBCUs, TCUs, and MSIs to build the physical research facilities and labs urgently needed to deliver on the country’s research and development, to update and modernize deteriorating facilities, including by strengthening the Historic Preservation program, and to create new space for increasing enrollments, especially at HSIs. While schools will be able to use these funds to upgrade the digital infrastructure, Biden will also support TCUs and other institutions in rural areas by investing $20 billion in rural broadband infrastructure and tripling funding to expand broadband access in rural areas. Additionally, as President, Biden will ensure all HBCUs, TCUs, and MSIs have access to low-cost federal capital financing programs and will work with states to ensure they can take advantage of these programs. And, he will work to incentivize further public, private, and philanthropic investments in school infrastructure.
  • Provide support to continuously improve the value of HBCUs, TCUs, and MSIs by investing $10 billion in programs that increase enrollment, retention, completion, and employment rates. These programs may include partnerships with both high schools, other universities, and employers; evidence-based remedial courses; academic and career advising services; and investing in wages, benefits, and professional development and benefits to recruit and retain faculty, including teacher residencies. Additionally, Biden will incentivize states, private, and philanthropic dollars to invest in these programs, while ensuring schools that do not receive matches increase their competitiveness.
  • Expand career pathways for graduates of HBCUs, TCUs, and MSIs in areas that meet national priorities, including building a diverse pipeline of public school teachers. Biden will invest $5 billion in graduate programs in teaching, health care, and STEM and will develop robust internship and career pipelines at major research agencies, including Department of Energy National Laboratories, National Institutes of Health, National Science Foundation, and the Department of Defense.
  • Triple and make permanent the capacity-building and student support for HBCUs, TCUs, and MSIs in Title III and Title V of the Higher Education Act. These funds serve as a lifeline to under-resourced HBCUs, TCUs, and MSIs year over year, ensuring that the most vulnerable students have the support they need to succeed. The Biden Administration will increase Title III and Title V funding to provide a dedicated revenue stream of $7.5 billion over the first ten years.
  • Reduce disparities in funding for HBCUs, TCUs, and MSIs. Biden will require federal agencies and states to publish reports of their allocation of federal funding to colleges and universities. When inequities exist between HBCUs, TCUs, and MSIs and similar non-HBCU, TCU, MSI colleges, federal agencies and states will be required to publish robust rationale and show improvements in eliminating disparities year-over-year. To ensure funding is more equitably distributed among HBCUs, TCUs, and MSIs, the Biden Administration will require that competitive grant programs make similar universities compete against each other, for example, ensuring that HBCUs only compete against HBCUs. And, President Biden will require higher education accreditors to provide increased transparency in their processes.
  • Provide two years of community college or other high-quality training program without debt for any person looking to learn and improve their skills, especially to connect  these individuals with the millions of job opportunities created by the historic investments in Biden’s Build Back Better Plan. As President, Biden will enact legislation to ensure that every person can go to community college for up to two years without having to pay tuition. Individuals will also be able to use these funds to pursue training programs that have a track record of participants completing their programs and securing good jobs. This initiative will be available for recent high school graduates and adults who never had the chance to pursue additional education beyond high school or who need to learn new skills.
  • Tackle the barriers that prevent students from completing their community college degree or training credential. There are too many Americans who don’t complete their education or training programs not because of a lack of will, but because of other responsibilities they are juggling, such as a job to pay their bills or caring for children. The Biden Administration’s community college initiative will be a first-dollar program, meaning that students will be able to use their Pell grants, state aid, and other aid to help them cover expenses beyond tuition and fees. In addition, Biden will give states financial incentives to foster collaboration between community colleges and community-based organizations to provide wraparound support services for students. Wraparound support services can range from public benefits and additional financial aid to cover textbook and transportation costs that often keep students from staying enrolled, to child care and mental health services, faculty mentoring, tutoring, and peer support groups.
  • Make a $50 billion investment in workforce training, including community-college business partnerships and apprenticeships. These funds will create and support partnerships between community colleges, businesses, unions, state, local, and tribal governments, universities, and high schools to identify in-demand knowledge and skills in a community and develop or modernize training programs – which could be as short as a few months or as long as two years – that lead to a relevant, high-demand industry-recognized credential. These funds will also exponentially increase the number of apprenticeships in this country through strengthening the Registered Apprenticeship Program and partnering with unions who oversee some of the best apprenticeship programs throughout our nation, not watering down the quality of the apprenticeship system like President Trump is doing. Biden will also make investments in pre-apprenticeship programs so that people of color have additional pathways into high-paying, union jobs in everything from designing to building infrastructure to manufacturing to technology to health. And he will closely monitor programs that receive funding and track participants’ completion rates and employment outcomes to ensure that all Americans, regardless of background, share the benefits of this historic investment.
  • Help develop pathways for diverse workers to access training and career opportunities. A study of Labor Department-funded individual career services — which included assistance looking for a job, help developing career plans, and one-on-one career coaching — found that earnings for workers who were provided these services increased 7 to 20%. Biden will ensure these services are universally available to all workers and people entering the workforce who need them. And, he will increase funding for community-based and proven organizations that help women and people of color access high-quality training and job opportunities.
  • Require publicly traded companies to disclose data on the racial and gender composition of their corporate boards. Corporate boards suffer from a widespread dearth of diversity, with just 21 percent of S&P 500 board seats going to people of color and only 27 percent going to women. As President, Biden will require that public companies disclose in their annual reports the racial and gender composition of the boards to better aid shareholders and advocates in their call for a diverse and inclusive management structure. 

BOOST RETIREMENT SECURITY AND FINANCIAL WEALTH

Black and Brown families – and especially Black and Brown women — face disadvantages at every turn, from access to workplace retirement accounts to access to generational wealth. These disadvantages have resulted in large and persistent gaps in financial wealth. To help Black and Brown people have more opportunities to build up a nest egg, Biden will:

  • Equalize the tax benefits of defined contribution plans: The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. Biden will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. 
  • Give small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. As proposed by the Obama-Biden Administration, the Biden plan will call for widespread adoption of workplace savings plans and offer tax credits to small businesses to offset much of the costs. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),” which provides the opportunity to easily save for retirement at work – putting millions of middle-class families on the path to a secure retirement.
  • Open the door for Asset Managers owned by Black and Brown people. Reviews of the performance of asset management firms owned by Black and Brown people are consistently equal to or better than “blue chip” asset management firms, yet government-led investment pools consistently fail to utilize them. As President, Biden will ensure that federal government-led investment pools, including pension funds and endowments, allocate their assets in a manner that reflects the diversity of the country, including to asset management firms owned by Black and Brown people. And Biden will require sales of any government assets to include participation of firms owned by Black and Brown people. 

ENSURE WORKERS OF COLOR ARE COMPENSATED FAIRLY AND TREATED WITH DIGNITY
 
Workers of color still earn a fraction of white workers and are less likely to have essential benefits like health coverage and paid leave. In fact, the black-white wage gap persists across every level of education and is widening. And wage gaps are exacerbated for women of color with Native Hawaiian and Pacific Islander women earning 68 centsBlack women earning 62 cents, Native women earning 57 cents, and Latinas earning 54 cents for every dollar a white man earns, adds up, on average, to roughly $1 million over a lifetime career, especially detrimental for the nearly 70% of Black mothers who are the sole or primary breadwinners for their family. Biden’s plan to build back better requires rooting out discrimination in the workplace so people can earn what they deserve, support their families, and build wealth.

  • Ensure workers of color are paid fairly.
    • End pay discrimination. Biden will continue to prioritize closing wage gaps and ending paycheck discrimination. He strongly supports Senator Patty Murray and Congresswoman DeLauro’s Paycheck Fairness Act, which codifies and expands critical Obama-Biden protections for workers’ paychecks. He will also take action to strengthen the ability of employees to challenge discriminatory pay practices and hold employers accountable.
    • Increase the federal minimum wage to $15 across the country and eliminate the minimum tipped wage, disproportionately benefitting people of color who make up the majority of workers earning under $15 an hour. He will also support small businesses like restaurants during this economic crisis, helping them get back on their feet so they can keep their doors open and pay their workers.
    • Stop employers from denying workers overtime pay they’ve earned. The Obama-Biden Administration fought to extend overtime pay to over 4 million workers and protect nearly 9 million from losing it. The Trump Administration reversed this progress, implementing a new rule that leaves millions of workers behind — including 3 million workers of color. Since Trump walked away from protecting these workers who are fighting for a place in the middle class, they have lost over $3.2 billion in foregone overtime wages. As President, Biden will ensure workers are paid fairly for the long hours they work and get the overtime pay they deserve. And, he will ensure that domestic workers and farm workers receive overtime protections.
  • Address discrimination and harassment in the workplace. Tens of millions of workers, most of whom are women of color, report being sexually harassed at work. This harassment often leads to devastating consequences, including mental health problems and fewer opportunities for career advancement. While harassment is illegal, there are too many barriers for people to seek justice. For example, 60 million workers – including over half of African American and Latino workers – have been forced to sign contracts waiving their rights to sue their employer and over one-third of the workforce is bound by nondisclosure agreements that stop workers from speaking out about harassment and discrimination. As President, Biden will make systemic changes to address sexual harassment and other discrimination so workplaces are safe and fair for all. He will advocate for and sign into law the Bringing an End to Harassment by Enhancing Accountability and Rejecting Discrimination in the Workplace (BE HEARD) Act.
  • Guarantee up to 12 weeks paid family and medical leave for all workers and up to seven days of paid sick, family, and safe leave and require employers to permanently provide. Workers of color disproportionately lack access to paid leave of any kind, including nearly half of Latino workers and more than one third of Black workers. Biden will create a national paid family and medical leave program to give all workers up to 12 weeks of paid leave, based on the FAMILY Act. He will also make paid sick leave permanent with the type of sick leave called for in Senator Murray and Congresswoman DeLauro’s Healthy Families Act. Biden will also make sure small businesses get the support they need to survive the crisis, keep their workers employed, and come out the other side stronger
  • Make it easier for workers of all color and all workers to organize unions and bargain collectively. Unions are an essential path to the middle class, and especially for workers of color. The wealth of union workers of color is nearly 5 times greater than their non union counterparts. Unions help close income and benefit disparities. For example, Black union members earn over 16% more than their non-union counterparts and are more likely to have employer-provided benefits like health care and retirement. As we build back better, Biden will make it easier for workers to organize unions and collectively bargain. He will include in the economic recovery legislation he sends to Congress a series of policies to build worker power to raise wages and secure stronger benefits. This legislation will make it easier for workers to organize a union and bargain collectively with their employers by including the Protecting the Right to Organize (PRO) Act, card check, union and bargaining rights for public service workers, and a broad definition of “employee” and tough enforcement to end the misclassification of workers as independent contractors. It will also go further than the PRO Act by holding company executives personally liable when they interfere with organizing efforts. And, he’ll restore the ability of federal workers to unionize and collectively bargain. Read Biden’s full plan to encourage unionization and collective bargaining at joebiden.com/empowerworkers. 

INVEST IN INFRASTRUCTURE IN BLACK AND BROWN COMMUNITIES
 
Crumbling infrastructure is a barrier to growth and prosperity. If roads are falling apart; if lights and landscaping of public areas are not tended to; if sidewalks are dilapidated or schools are outdated; if there are no parks for kids to play in after school; if there is no fresh food for miles; if there are abandoned houses that need to be demolished or empty strip malls and not enough infrastructure to prevent fires; if there is nowhere to go when you are in a mental health crisis — how can a community thrive?
 
We are the world’s richest nation, but for far too long Black, Latino, AAPI, and Native American  communities have been left behind. By making real and sustained investments into Black and Brown communities, we will create an environment where businesses and investments will multiply in size and strength. In Black and Brown communities the federal government will provide state, tribal, and local governments with resources to:

Biden’s Build Back Better plan includes a national effort to create the jobs we need to build a modern, sustainable, accessible, infrastructure now and deliver an equitable clean energy future. He will make a $2 trillion accelerated investment, with a plan to deploy those resources over his first term, toward that end.
 
A major focus of this investment will be to upgrade the infrastructure and job opportunities in Black and Brown communities. Specifically, Biden will:

  • Set a goal that disadvantaged communities receive 40% of overall benefits of spending in the areas of clean energy and energy efficiency deployment; clean, accessible transit and transportation; affordable and sustainable housing; training and workforce development; remediation and reduction of legacy pollution; and development of critical clean water infrastructure. In addition, Biden will directly fund historic investments across federal agencies aimed at eliminating legacy pollution — especially in Black and Brown communities, rural and urban low-income communities, and tribal communities — and addressing common challenges faced by disadvantaged communities, such as funds for replacing and remediating lead service lines and lead paint in households, child care centers, and schools in order to ensure all communities have access to safe drinking water and wastewater infrastructure. These investments will create good-paying jobs in frontline and fenceline communities.
  • Ensure the jobs building roads and bridges and schools and overhauling water systems and electricity grids are filled by diverse, local, well-trained workers – including Black and Brown people – by requiring federally funded projects to meet high labor standards, including paying prevailing wage, prioritizing Project Labor and Community Workforce Agreements, and employing workers trained in registered apprenticeship programs. Biden will make investments in pre-apprenticeship programs and in community-based and proven organizations that help Black and Brown people access high-quality training and job opportunities. Biden’s proposal will make sure national infrastructure and clean energy investments create millions of middle-class jobs that develop a diverse and local workforce with a choice to join a union, strengthening communities as we rebuild our physical infrastructure.
  • Revolutionize municipal transit networks. Biden will aim to provide all Americans in municipalities of more than 100,000 people with quality, accessible public transportation by 2030. He will allocate flexible federal investments with strong labor protections to help cities and towns install light rail networks and improve existing transit and bus lines.
  • Ensure clean, safe drinking water and water infrastructure is a right in all communities – rural to urban to tribal lands, rich and poor. From lead contamination in places like Flint, Michigan to the lack of potable water which contributes to the spread COVID-19 on the Navajo Reservation, too many communities face public health crises because of lack of basic water infrastructure. Biden will invest in the repair of water pipelines and sewer systems, replacement of lead service pipes, upgrade of treatment plants, and integration of efficiency and water quality monitoring technologies. This includes protecting our watersheds and clean water infrastructure from man-made and natural disasters by conserving and restoring wetlands and developing green infrastructure and natural solutions. And, he will work to ensure adequate, resilient water infrastructure in Black and Brown communities everywhere, especially Indian Country. African American and Latino households are nearly twice as likely as white households to lack sufficient plumbing, and Native American households are 19 times more likely. In Indian Country, this also means ensuring tribes have water rights needed to develop the infrastructure necessary to serve homes, businesses, and agricultural needs. The Obama-Biden Administration settled twelve important water rights settlements, more than any other Administration in history. These settlements supported $3 billion of investment in Indian Country, for building important infrastructure for clean drinking water and agricultural needs, protecting tribal fisheries and culturally important areas, and furthering economic development initiatives. Biden will restore strong federal support for Indian water rights settlements and coordinate the actions of all relevant federal agencies to use their programs, authorities, and resources to support Tribal water needs and economic development activities.
  • Expand broadband, or wireless broadband via 5G, to every American – recognizing that millions of households without access to broadband are locked out of an economy that is increasingly reliant on virtual collaboration. Communities without access cannot leverage the next generation of “smart” infrastructure. As the COVID-19 crisis has made clear, Americans everywhere need universal, reliable, affordable, and high-speed internet to do their jobs, participate equally in remote school learning and stay connected. This digital divide needs to be closed everywhere, from lower-income urban schools to rural America, to many older Americans as well as those living on tribal lands. Just like rural electrification several generations ago, universal broadband is long overdue and critical to broadly shared economic success.
  • Launch a major national effort to modernize our nation’s schools and early learning facilities. Each year the U.S. underfunds school infrastructure by $46 billion, resulting in schools that are outdated, unsafe, unfit, and – in some cases – making kids and educators sick. And over half of Americans, and especially Black and Brown people, live in child care deserts, with limited to no access to licensed child care. In line with the Rebuild America’s Schools Act, backed by the House Education Committee, Biden will invest $100 billion in improving public school buildings and ensure its top funding priority is modernizing schools in the most economically underserved communities in our nation — all too often in Black and Brown communities. He will also ensure parents no longer search in vain for a suitable child care option by creating a new child care construction tax credit to encourage businesses to build child care facilities at places of work and making direct investments in building new child care facilities and upgrading existing facilities around the country.
  • Clean up and redeveloping abandoned and underused Brownfield properties, old power plants and industrial facilities, landfills, abandoned mines, and other idle community assets that will be transformed into new economic hubs for communities all across America.
  • Revitalize communities in every corner of the country so that no one is left behind or cut off from economic opportunities. Biden’s plan will ensure that our infrastructure investments work to address disparities – often along lines of race and class – in access to clean air, clean water, reliable and sustainable, accessible transportation, connectivity to high-speed internet, and access to jobs and educational opportunities. This includes ensuring tribes receive the resources and support they need to invest in roads, clean water, wastewater, broadband, and other essential infrastructure needs. It also means funding investments in local and regional strategies to prevent a lack of accessible transportation options in urban, rural, and high-poverty areas from cutting off after-school opportunities for young people and job opportunities for workers seeking better jobs and more economic security for their families.
  • Take land into trust for Indian tribes. One of the most important roles the federal government plays in rebuilding the nation-to-nation relationship is taking land into trust on behalf of tribes. It is critical for tribal sovereignty and self-determination, allows for economic development, and helps support the well-being of tribal citizens, while also preserving tribal histories and culture for future generations. It helps to right the wrongs of past policy, including the dispossession by the U.S. government of 90 million acres of tribal land, nearly two-thirds of all tribal land. The Obama-Biden Administration recognized this vital responsibility and took more than half a million acres of land into trust for tribes — including land that the Trump Administration tried to take away from the Mashpee Wampanoag tribe. As President, Biden will uphold trust and treaty responsibilities and continue to take land into trust for Indian tribes, helping tribes spur economic development.

See more details about the Biden infrastructure plans at https://joebiden.com/infrastructure/ and joebiden.com/clean-energy
 
SECOND CHANCES FOR ECONOMIC SUCCESS
 
Biden believes in redemption. For people who are convicted of a crime, after they serve their sentence, they should have the opportunity to fully reintegrate into society, earn a good living, and participate in our democracy. It will not only benefit them, it will benefit all of society. It is also our best strategy to reduce recidivism.
 
The collateral consequences for a criminal record are vast. The National Institute of Justice found that there are more than 44,000 collateral consequences nationwide, including employment restrictions, loss of voting rights, denial of housing or even renting an apartment and educational loan restrictions to name a few.
 
Smart Data Infrastructure to Support Second Chances
 
Most states already have a process for people who want to shield their criminal record from public view — expungement and sealing. But getting a person’s record expunged or sealed is complicated and requires paperwork, time, and sometimes the support of legal counsel.
 
As President, Biden will advance a pathway for redemption and re-entry – and make real the possibility of second chances for all Americans – by helping states modernize their criminal justice data infrastructure and adopt automated record sealing for selected categories of non-violent offenses, to modernize their criminal justice data infrastructure. This data infrastructure will facilitate sealing of records in a manner that is precise, complete and efficient – so those records are not used to deny people jobs, housing, voting rights, school loans and other opportunities to rebuild their lives.
 
The grants Biden is proposing will support state efforts to research, plan for, and ultimately implement the criminal record data infrastructure improvements that will make automated record relief possible. Beyond that, the infrastructure improvements will yield a general improvement in the operation and efficiency of state records.
 
In addition, to invest in second chances and smart criminal justice reforms that will improve public safety, Biden will:

  • Set a national goal of ensuring 100% of formerly incarcerated individuals have housing upon reentry – at the federal and state level. He’ll start by directing the U.S. Department of Housing and Urban Development to only contract with entities that are open to housing individuals looking for a second chance. And, he’ll expand funding for transitional housing, which has been drastically cut under the Trump Administration.
  • Expand access to mental health and substance use disorder treatment, as well as educational opportunities and job training for individuals during and after incarceration. The Biden Administration will expand the use of drug courts and other diversion programs. The Biden Administration will also expand funding for all of these programs and services, during and after incarceration.
  • Eliminate existing barriers preventing formerly incarcerated individuals from fully participating in society. For example, Biden will eliminate barriers keeping formerly incarcerated individuals from accessing public assistance such as SNAP, Pell grants, and housing support. He will streamline the process for giving individuals on probation or parole for non-violent offenses access to the Job Corps. The Biden Administration will incentivize states to automatically restore voting rights for individuals convicted of felonies once they have served their sentences. And, the Biden Administration will expand on the Obama-Biden Administration’s “ban the box” policy by encouraging further adoption of these policies at the state and local level. This effort will not include any automatic restoration of firearms rights.
  • Eliminate cash bail. Cash bail is the modern-day debtors’ prison. The cash bail system incarcerates people based on their inability to pay–sometimes small amounts. And, it disproportionately harms Black and Brown people. Biden will lead a national effort to end cash bail and reform our pretrial system by putting in place a system that is fair and does not inject further discrimination or bias into the process. As President, Biden will establish a technical assistance program to help state and local jurisdictions transition to a fair, equitable and effective pretrial system that does not rely on cash bail. This project will be modeled after the Obama-Biden smart suite of programs, which used technical assistance and funding to drive targeted improvements in corrections, probation, and policing. The project will similarly allow state and local Justice Assistance Grant (JAG) recipients to access Bureau of Justice Assitance’s (BJA) bank of subject-matter experts if they agree to dedicate a portion of their existing JAG funds to work on BJA-approved initiatives that transition pre-trial systems away from a reliance on cash-bail and to evidence-informed systems that use risk of flight and/or danger to determine whether defendants should be held in  pre-trial detention.

STRENGTHEN THE FEDERAL RESERVE’S FOCUS ON RACIAL ECONOMIC GAPS
 
The Federal Reserve (the Fed) plays a highly influential role in determining the overall unemployment rate, as well as that of Black and Brown people. Within its existing mandate of promoting maximum employment and stable prices, the Fed should aggressively enhance its surveillance and targeting of persistent racial gaps in jobs, wages, and wealth. Biden will work with Congress to amend the Federal Reserve Act to require the Fed to regularly report on current data and trends in racial economic gaps — and what actions the Fed is taking through its monetary and regulatory policies to close these gaps. Access to affordable financial services is another first-order barrier to wealth building for many American families. Biden supports the Fed committing to a “real-time” payment system, a change the central bank has the authority to implement. With this system in place, instead of waiting days for checks to clear, low-income people will have instant access to money they are owed, ending an existing, costly burden to cash-constrained families.
 
The Fed should also revise its hiring and employment practices to achieve greater diversity at all levels of the institution — including at the leadership of the Board of Governors and the regional Federal Reserve Banks.
 
PRIORITIZE RACIAL EQUITY ACROSS THE FEDERAL GOVERNMENT

  • Apply the principles of Congressman Jim Clyburn’s 10-20-30 plan to ensure that federal dollars go to high-poverty areas that have long suffered disinvestment. To tackle persistent poverty in all communities, in both urban and rural America, Biden supports applying Congressman Clyburn’s 10-20-30 formula to all federal programs, targeting funds to census tracts with persistent poverty.
  • Promote diverse leadership for all federal agencies. The leaders of federal agencies make decisions that have a direct impact on the nature of our entire economic system. At present the leadership of those agencies do not reflect the diversity of our country. As President, Biden will promote diverse leadership in the financial regulatory agencies including the FTC, CFTC, SEC, OCC, and FDIC; work with all branches of government including the Senate and Supreme Court, to create best practices and standards for ensuring racial diversity among clerks, staffers and interns; and create a new post within the White House’s Council of Economic Advisers to focus on racial equity including the income and wealth gaps. And, recognizing the special importance of appointing Native Americans to play critical roles in upholding the government-to-government relationship, he will build on the Obama-Biden Administration to ensure tribal nations have a strong voice and role in the federal government.
  • Eliminate language barriers for Asian American and Pacific Islander (AAPI) communities. Language barriers to vital services and resources can prevent AAPI’s with limited English proficiency from realizing their potential and the American Dream. Biden will build on the work of the Obama-Biden Administration, which ensured that members of the AAPI community who were limited English proficient had access to health care and other government services. For example, the administration produced outreach videos in Chinese, Korean, Vietnamese, Burmese, Hmong, Khmer, and Lao to ensure that members of those communities were able to take advantage of the Affordable Care Act’s benefits and coverage. Biden will direct his agencies to identify ways to increase access to federal programs for AAPI individuals and families, including those who have limited English proficiency. He will also create neighborhood resource centers or welcome centers to help all residents find jobs; access services and English-language learning opportunities; and navigate the school system, health care system, and other important facets of daily life. And, he will ensure that all public schools have sufficient English-language learning support to help all children reach their potential.
  • Disaggregate data about the Asian American and Pacific Islander community to achieve equal representation. The Asian American and Pacific Islander community is one which includes people of East Asia, South Asia, Southeast Asia, the Philippines, and the Pacific Islands. Typically, when data is aggregated about this community it combines this wide swath of people into a single category – perpetuating the “model minority” myth by unwittingly masking specific challenges that segments of the AAPI population face. Data disaggregation is a strategy to collect information about the subgroups that make up a larger group, to surface issues when trying to understand the challenges that these communities face and identify solutions that are focused on closing disparity gaps. The Obama-Biden Administration released best practices for the disaggregation of federal data on AAPIs. Biden will build on this work and ensure that his administration recognizes and serves the myriad of challenges facing diverse AAPI communities.
  • Empower the Equal Employment Opportunity Commission to fulfill its mission and address workplace discrimination. A 2017 survey found that 1 in 3 Latinos, 1 in 4 Asian Americans, 1 in 3 Native Americans, and more than half of African Americans had experienced racial discrimination in the workplace. Under a Biden Administration, the Equal Employment Opportunity Commission (EEOC) will be fully empowered to address discrimination in the workplace and help close the harmful and unjust gaps in wages and employment opportunities. To strengthen the EEOC, Biden will double funding for the agency, empower the EEOC to initiate investigations for all areas of discrimination under its purview, and continue the the Obama Administration effort–halted by President Trump–to expand the agency’s information collection efforts to include data on earnings gaps by race and gender.  

INVEST IN A 21ST CENTURY CARE INFRASTRUCTURE
 
Biden believes that if we truly want to reward work in this country, we have to ease the financial burden of care that families are carrying, and we have to elevate the compensation, benefits, training and education opportunities for certification, and dignity of caregiving workers and educators.
 
He will make substantial investments in the infrastructure of care in our country — to make child care more affordable and accessible for working families, and to make it easier for aging relatives and loved ones with disabilities to have quality, affordable home- or community-based care. And, he is proposing to give caregiving workers and early childhood educators a raise and stronger benefits, treating them as the professionals they are. Caregivers and early childhood educators — disproportionately Black and Brown women — have been underpaid, unseen, and undervalued for far too long. Biden will:

  • Expand access to a broad array of long-term services and supports in local settings, including through closing the gaps in Medicaid for home- and community-based services and establishing a state innovation fund for creative, cost effective direct care services.
  • Ensure access to high-quality, affordable child care and offer universal preschool to three-and four-year olds through greater investment, expanded tax credits, and sliding-scale subsidies.
  • Build safe, energy-efficient, developmentally appropriate child care facilities, including in workplaces, so that parents and guardians never again have to search in vain for a suitable child care option.
  • Treat caregivers and early childhood educators with respect and dignity, and give them the pay and benefits they deserve, training and career ladders to higher-paying jobs, the choice to join a union and bargain collectively, and other fundamental work-related rights and protections.

ADDRESS LONGSTANDING INEQUITIES IN AGRICULTURE
 
Black, Brown and Native farmers have long faced barriers to growing their agricultural businesses, including unfair prices, unequal access to government support, retaliation for civil rights complaints, and outright injustice.  For more than 100 years the United States Department of Agriculture (USDA) did little to alleviate the burdens of systemic inequality for Black, Brown and Native farmers and was often the site of injustice. Over two decades ago, class action litigation was filed alleging longstanding discrimination against Black, Latino, Native, and women farmers. The cases dragged on for many years without relief for the complaints and impacted farmers struggled to regain the footing they lost before and during the litigation.
 
A profound shift occurred for Black, Brown and Native farmers under the Obama-Biden administration during which the USDA oversaw the conclusion of what became the largest civil rights settlement in US history, bringing a painful chapter to a close. The settlements in these cases marked the beginning of a renewed commitment to supporting diversity, equity, and an internal reckoning for the USDA. Under Obama-Biden, the USDA sought to address both the structural and cultural causes of systemic inequality that had in prior generations been reproduced by the policies and practices of the agency.
 
Despite the groundbreaking steps to address inequality that were taken under Obama-Biden, the practices and values of the USDA slid backwards under the authority of the Trump administration — which ceased many agency-wide efforts to level the playing field.
 
As President, Biden will build upon the historic progress made during the Obama-Biden administration, taking additional steps to support the rights of Black, Brown and Native farmers by: 

  • Establish an Equity Commission. This equity commission will focus on the unique jurisdictional and regulatory barriers that Black, Brown, and Native farmers, ranchers, and fishers must negotiate and make sure that processes are streamlined and simplified to promote new and beginning farming and ranching operations by Black and Brown farmers. As President, Biden will direct his Department of Agriculture to review the Department’s programs – including in conservation, value-added agriculture support, finding new markets, data analysis, fisheries support, climate smart production, risk management, research and delivery of knowledge — and design a plan to ensure they are geared to farmers, ranchers, and fishers who are as different and varied as the landscape of the country.
  • Farm Land Purchase Assistance Program. As President, Biden will advance a comprehensive effort to assist in both the purchase of farmland and the ability of Black, Brown, and Native farmers to keep that land. This includes credit and technical support in the form of expedited credit, low-interest loans, and technical assistance. In addition, Biden recognizes the disadvantage that Black, Brown, and Native farmers face when they are forced to compete with other farmers who have decades of privileged access to federal assistance. As President, he will explore the use of land trusts, cooperative farm operations, and farm credit systems geared towards Black, Brown and, Native farmers as a means to support this population and diversify our agricultural sector.        
  • Protect Heirs Property. For over a century, Black, Brown, and Native farmers faced exploitation in policy and practice in a matter that limited their ability to retain a rightful claim to inherited property and to access federal programs. Building on recent Congressional bills and model legislation at the state level, Biden will implement guidelines and regulations that preserve heirs’ ownership of family farms and ensure that these landowners have equal access to federal credit and agricultural programs.
  • Establish a Farmland Trust. This trust will support new farmers from underrepresented low-income communities to find, purchase, and succeed on farmland.  The Trust will also help connect these farms to marginalized communities locally and in urban or rural areas in an effort to develop and maintain a more diverse supply chain that provides entry points for aspiring entrepreneurs in the food production industry.
  • Advance Community Supported Agriculture (CSA). As President, Biden will support and advance local production for farmers’ markets. He will work to maximize the use of unused land and to connect potential farmers with those landowners. Together farmers and landowners will pool acres into manageable units. 
  • Advance fairness, accountability, and transparency at the United States Department of Agriculture As President, Biden will appoint officials at every level of the USDA who have a demonstrated commitment to supporting Black, Brown and Native farmers. Biden will also eliminate the USDA’s backlog of civil rights complaints, streamline and expedite the complaints process, permit appeals, and reinstate a foreclosure moratorium for those whose complaints remain unsettled. Biden will direct the USDA to fully enforce whistleblower protections and investigate reports of retaliation and interference from the Office of General Counsel. In addition, Biden will demand transparency and oversight in all aspects of USDA’s operations. Further, Biden will call on the agency’s Economic Research Service to include farmworkers and farmers of color more prominently in their research.
  • Expanding protections for farm workers. Farm workers – who are disproportionately Latino and immigrant workers – have always been essential to working our farms and feeding our country. As President, Biden will ensure farm workers are treated with the dignity and respect they deserve, regardless of immigration status. He will work with Congress to provide legal status based on prior agricultural work history, ensure they can earn paid sick time, and require that labor and safety rules, including overtime, humane living conditions, and protection from pesticide and heat exposure, are strictly enforced.

‘Lift Every Voice’: The Biden Plan for Black America

Vice President Joe Biden, the presumptive Democratic nominee for president, offers his plan for Black America (c) Karen Rubin/news-photos-features.com

In the 2016 campaign, Donald Trump had trouble whipping up even a few African Americans to attend a campaign event, and at one, famously said, “What have you got to lose?”. Now, after the coronavirus pandemic has revealed the extraordinary level of inequality – in health care access, income, environment – in communities of color, resulting in disproportionate numbers of cases and deaths, and his actions to prop up companies and the wealthiest while literally forcing people of color and immigrants on the frontlines to sacrifice their own lives and families for less than a living wage, we now can see “what it is you have to lose.” Trump likes to fantasize about the “lowest unemployment levels” among African Americans, but he had little to do with it. On the other hand, he has done everything possible to remove any of the levers to upward mobility, including making it harder to access food stamps, Medicaid, ending enforcement of work rules, civil rights, voting rights. His actions that will quite literally bankrupt state and local governments mean public workers – those so-called “essential workers” – will lose jobs by the hundreds of thousands. Now former Vice President Joe Biden, the presumptive Democratic nominee for president, offers his own plan for Black America. Here is a fact sheet from the Biden campaign – Karen Rubin/news-photos-features.com.

Lift Every Voice: The Biden Plan for Black America

Joe Biden knows that African Americans can never have a fair shot at the American Dream so long as entrenched disparities are allowed to quietly chip away at opportunity. He is running for President to rebuild our economy in a way that finally brings everyone along—and that starts by rooting out systemic racism from our laws, our policies, our institutions, and our hearts.
 
This mission is more important now than ever before, as the health and economic impacts of COVID-19 have shined a light on—and cruelly exacerbated—the disparities long faced by African Americans. In April 2020, Biden called on the Centers for Disease Control and Prevention to collect more data regarding how COVID-19 is affecting communities, including breaking down its impacts by race. The data we’ve seen so far suggests that African Americans are dying from COVID-19 at a higher rate than whites. Long-standing systemic inequalities are  contributing to this disparity—including the fact that African Americans are more likely to be uninsured and to live in communities where they are exposed to high levels of air pollution. African Americans also represent an especially high percentage of the front-line workers putting themselves at greater risk to sustain the economy and keep the rest of the country safe and fed—and are less likely to have a job they can do from home, forcing them to make the difficult choice between their health and a paycheck. While there’s a lot we don’t yet know about COVID-19, we do know that equitable distribution of resources, like testing and medical equipment, can make a difference in fighting the virus. Biden believes this should be a priority and action must be taken now.
 
COVID-19 is also having a disproportionate economic impact on African American families. African American small businesses have been hit hard, and over 90% of African American-owned businesses are estimated to be shut out of the initial relief program due to preexisting, systemic disparities in lending. This is especially dire given that African American families have less of a financial cushion to fall back on in hard times. Biden has been calling for the nation’s relief and recovery efforts to be equitable and just, including by designing relief programs in ways that avoid methods we know lead to disparate outcomes—so that funds can actually reach African American families, communities, and small businesses. President Trump has not heeded his warnings. If Biden were President today, he would make it a top priority to ensure that African American workers, families, and small businesses got the relief they need and deserve.
 
Tackling systemic racism and fighting for civil rights has been a driving force throughout Biden’s career in public service. He has a record of fighting for and delivering for the African American community. As a U.S. Senator he co-sponsored the Civil Rights Act of 1990 to protect against employment discrimination and led multiple reauthorizations of the Voting Rights Act, protecting African Americans’ right to vote. Biden also led efforts to reauthorize and extend the Fair Housing Act, and as Delaware’s Senator, was a vocal advocate and supporter of Delaware State University, the state’s Historically Black University.
 
Today, we need a comprehensive agenda for African Americans with ambition that matches the scale of the challenge and with recognition that race-neutral policies are not a sufficient response to race-based disparities.
 
The Biden Plan for Black America will:

Advance the economic mobility of African Americans and close the racial wealth and income gaps.

Expand access to high-quality education and tackle racial inequity in our education system.

Make far-reaching investments in ending health disparities by race.

Strengthen America’s commitment to justice.

Make the right to vote and the right to equal protection real for African Americans.

Address environmental justice.

ADVANCE THE ECONOMIC MOBILITY OF AFRICAN AMERICANS AND CLOSE THE RACIAL WEALTH AND INCOME GAPS
 
Invest in African American Businesses and Entrepreneurs
 
Approximately 4% of small business owners are African American, even though African Americans make up approximately 13% of the population. To build wealth in African American communities, we must invest in the success of African American businesses and entrepreneurs.  
 
Ensuring equal access to credit and capital. African American businesses often lack the capital they need to succeed. African American businesses are rejected at a rate nearly 20% higher than the white-owned firms. Even worse, African American businesses that do get funding receive only 40% of the funds requested as compared to 70% for white businesses. To increase investment and access to capital, Biden will:

Double funding for the State Small Business Credit Initiative. The Obama-Biden Administration created the State Small Business Credit Initiative (SSBCI) to support small businesses, driving $10 billion in new lending for each $1 billion in SSBCI funds. Biden will extend the program through 2025 and double its federal funding to $3 billion, driving close to $30 billion of private sector investments to small businesses all told, especially those owned by women and people of color.

Expand the New Markets Tax Credit, make the program permanent, and double Community Development Financial Institutions (CDFI) funding. The New Markets Tax Credit has helped draw tens of billions of dollars in new capital to low-income communities, providing tax credits to investors in community development organizations that support everything from supermarkets to real estate projects to manufacturing plants.  As part of his plan to reinvest in communities across the country, including in rural areas, Biden will also double funding for the Community Development Financial Institutions (CDFI) Fund, which supports local, mission-driven financial institutions in low-income areas around the U.S. This builds on Biden’s proposal to support entrepreneurs in small towns and rural areas by expanding both the Rural Microentrepreneur Assistance Program and the number of Rural Business Investment Companies, to help rural businesses attract capital.

Improve and expand the Small Business Administration programs that most effectively support African American-owned businesses. The Small Business Administration’s (SBA) programs have been and remain one of the most effective ways of accessing capital for African American-owned businesses. Biden will strengthen these existing programs by:

Ensuring the SBA has the funding it needs to support African American-owned business and others in the current crisis and beyond. Trump has once again proposed a massive cut of 25% in the SBA budget for FY2021, including a 35% cut in funding to Small Business Development Centers, a 20% cut to the SBA Microloan Program, and significantly increased fees for the 7(a) loan program, which is SBA’s main loan program for small businesses.

Making permanent the successful Community Advantage loan program, originally created during the Obama-Biden Administration. The program, which provides capital for startups and growing small businesses located in particularly underserved communities through CDFIs and other mission-driven lenders, has been run as a pilot program since 2011. Biden will make this program permanent and reverse rules enacted by the Trump Administration that are making it more difficult for lenders to participate in the program and lend to African American-owned businesses and other businesses located in underserved communities.

Increase opportunities for African American-owned businesses to obtain or participate in federal contracts. In the aftermath of the 2008-2009 financial crisis, well over $100 billion of federal prime contracting dollars were awarded to minority-owned small businesses. And, between 2013 and 2016, the Obama-Biden Administration increased federal prime contract dollars going to Small Disadvantaged Businesses by nearly 30%, from $30.6 billion to $39.1 billion. The Obama-Biden Administration also created an Interagency Task Force on Federal Contracting Opportunities for Small Businesses, which included a focus on contracting opportunities for minority-owned businesses. The Obama-Biden Administration implemented its vision of more equitable access to federal contracts through a variety of channels, including by launching the Federal Procurement Center (FPC) as part of the Commerce Department’s Minority Business Development Agency (MBDA). The FPC, a first-of-its-kind program, helps minority-owned firms apply for and win federal government contracts. As President, Biden will build on these efforts to support the expansion of opportunities for minority-owned small businesses. 
 
Increase funding for the Minority Business Development Agency budget. MBDA plays a critical role in supporting the development and growth of minority-owned businesses around the country, as well as providing needed assistance to federal and state agencies so that they award minority-owned businesses procurement contracts. The Trump Administration has pushed for a 75% cut in MBDA’s budget. Biden would protect and call for increased funding for it.
 
Protect small and disadvantaged businesses from federal and state contract bundling which often locks out African American-owned smaller firms from effectively bidding on procurement contracts. Biden will build on the anti-bundling provisions of the Small Business Jobs Act of 2010, by having the Office of Management and Budget, SBA, and MBDA conduct a government-wide review of existing contract bundling to determine whether agencies are following existing rules and whether agencies have the ability to further ensure small business participation in federal and state procurement opportunities.
 
Make sure economic relief because of COVID-19 reaches the African American businesses that need it most. The first installment of the Paycheck Protection Program (PPP) largely left out minority-owned businesses. The Center for Responsible Lending estimates that more than 90% of small businesses owned by people of color will not receive loans. The program is not taking into account the specific challenges that African American businesses face in accessing funding and complying with the program’s requirements. The financial institutions best positioned to help African American small businesses don’t have the systems to quickly deploy the funding in a first-come first-served approach. The second phase set aside $60 billion for community banks and CDFIs, as well as mid-sized banks, which can better serve smaller businesses and minority-owned firms. This is a good start, but more needs to be done:

Provide AfricanAmerican entrepreneurs and other small business owners technical assistance to help them apply for funding, as well as legal and accounting support to ensure their documentation (such as their financial records, tax filings, and other legal documents) is all in correct order. The Trump Administration and Congress should provide an additional infusion of operating capital to these CDFIs and community-focused lenders to ensure all African American entrepreneurs have access to the technical assistance and support they need.

Reserve half of all the new PPP funds for small businesses with 50 employees or less, so the bigger and more well-connected aren’t able to win in a first-come, first-served race. While this will help the vast majority of small businesses, it should also help target more funding to minority-owned businesses, given 98% of all minority-and women-owned businesses have fewer than 50 employees. 

Produce a weekly dashboard to show which small businesses are accessing loans. Such a dashboard would help drive better data collection on the beneficiaries of small business support related to the COVID-19 epidemic, including in particular collecting data by gender and race, in order to ensure that the program isn’t leaving out communities, minority- and women-owned businesses, or the smallest businesses.

SUPPORTING AFRICAN AMERICAN CHURCHES DURING THE COVID-19 CRISIS

Shelter-in-place orders, while critical to protecting the health of parishioners, have hit churches hard as collection revenue has virtually stopped. African American churches are especially at-risk during the downturn. One survey put the typical African American membership at just 75 congregants, while others have noted that annual revenue is down since much of it is typically collected during Easter season. At a time when many Americans will seek spiritual assistance and social support, we must ensure the preservation of religious institutions. The decision by Congress to include non-profits, including religious institutions, in the Paycheck Protection Program and Emergency Injury Disaster Loan programs was a critical first step. But the support has not flowed to these institutions the way it should. Well-connected companies were first in line for the support funding.
 
Biden’s True Small Business Fund would also apply to non-profit groups like African American churches.

 
Expand African American Homeownership and Access to Affordable, Safe Housing 
 
The gap between African American and white homeownership is larger today than when the Fair Housing Act was passed in 1968. This has contributed to a jaw-dropping racial wealth gap—nearly 1,000%—between median white and African American households. Because home ownership is how most families save and build wealth, the disparity in home ownership is a central driver of the racial wealth gap. As President, Biden will invest $640 billion over 10 years so every American has access to housing that is affordable, stable, safe and healthy, accessible, energy efficient and resilient, and located near good schools and with a reasonable commute to their jobs. Biden will:
 
Help families buy their first homes and build wealth by creating a new refundable, advanceable tax credit of up to $15,000. Building off of a temporary tax credit expanded as part of the Recovery Act, this tax credit will be permanent and advanceable, meaning that homebuyers receive the tax credit when they make the purchase instead of waiting to receive the assistance when they file taxes the following year.

Tackle racial bias that leads to homes in communities of color being assessed by appraisers below their fair value. Housing in communities primarily comprised of people of color is valued at tens of thousands of dollars below majority-white communities even when all other factors are the same, contributing to the racial wealth gap. To counteract this racial bias, Biden will establish a national standard for housing appraisals that ensures appraisers have adequate training and a full appreciation for neighborhoods and do not hold implicit biases because of a lack of community understanding. 
 
Roll back Trump Administration policies gutting fair lending and fair housing protections, strongly enforce fair credit reporting laws, and create a new Public Credit Reporting Agency. Being able to obtain a credit report is a critical step for homeownership. Biden has long been an advocate for eliminating discrimination in the provision of credit, including his legislation amending the Equal Credit Opportunity Act which prohibited creditors from discriminating against consumer applicants for credit. Today’s credit reports, which are issued by just three large private companies, are rife with problems: they often contain errors, they leave many credit invisible due to the sources used to generate a credit score, and they contribute to racial disparitieswidening the African American homeownership gap, Biden will create a new public credit reporting agency within the Consumer Financial Protection Bureau to provide consumers with a government option that seeks to minimize racial disparities, for example by ensuring the algorithms used for credit scoring don’t have a discriminatory impact, and by accepting non-traditional sources of data like rental history and utility bills to establish credit.
 
Protect homeowners and renters from abusive lenders and landlords through a new Homeowner and Renter Bill of Rights. This new Bill of Rights will prevent mortgage brokers from leading borrowers into loans that cost more than appropriate, prevent mortgage servicers from advancing a foreclosure when the homeowner is in the process of receiving a loan modification, give homeowners a private right of action to seek financial redress from mortgage lenders and servicers that violate these protections, and give borrowers the right to a timely notification on the status of their loan modifications and to be able to appeal modification denials.
 
Roll back Trump Administration policies gutting fair lending and fair housing protections for homeowners. 

Give local elected officials the tools and resources they need to combat gentrification. Biden will implement the Obama-Biden Administration’s Affirmatively Furthering Fair Housing Rule requiring communities receiving certain federal funding to proactively examine housing patterns and identify and address policies that have a discriminatory effect. The Trump Administration suspended this rule in 2018. Biden will ensure effective and rigorous enforcement of the Fair Housing Act and the Home Mortgage Disclosure Act. And, he will reinstate the federal risk-sharing program which has helped secure financing for thousands of affordable rental housing units in partnership with housing finance agencies.   

Hold financial institutions accountable for discriminatory practices in the housing market. In 2013, the Obama-Biden Administration codified a long-standing, court-supported view that lending practices that have a discriminatory effect can be challenged even if discrimination was not explicit. But now the Trump Administration is seeking to gut this disparate impact standard by significantly increasing the burden of proof for those claiming discrimination. In the Biden Administration, this change will be reversed to ensure financial institutions are held accountable for serving all customers.

Restore the federal government’s power to enforce settlements against discriminatory lenders. The Trump Administration has stripped the Office of Fair Lending and Equal Opportunity, a division of the Consumer Financial Protection Bureau, of its power to enforce settlements against lenders found to have discriminated against borrowers – for example by charging significantly higher interest rates for people of color than white individuals. Biden will return power to the division so it can protect consumers from discrimination.

Strengthen and expand the Community Reinvestment Act to ensure that our nation’s bank and non-bank financial services institutions are serving all communities. The Community Reinvestment Act currently regulates banks, but does little to ensure that “fintechs” and non-bank lenders are providing responsible access to all members of the community. On top of that gap, the Trump Administration is proposing to weaken the law by allowing lenders to receive a passing rating even if the lenders are excluding many neighborhoods and borrowers. Biden will expand the Community Reinvestment Act to apply to mortgage and insurance companies, to add a requirement for financial services institutions to provide a statement outlining their commitment to the public interest, and, importantly, to close loopholes that would allow these institutions to avoid lending and investing in all of the communities they serve. 
 
Eliminate local and state housing regulations that perpetuate discrimination. Exclusionary zoning has for decades been strategically used to keep people of color and low-income families out of certain communities. As President, Biden will enact legislation requiring any state receiving federal dollars through the Community Development Block Grants or Surface Transportation Block Grants to develop a strategy for inclusionary zoning, as proposed in the HOME Act of 2019 by Majority Whip Clyburn and Senator Cory Booker. Biden will also invest $300 million in Local Housing Policy Grants to give states and localities the technical assistance and planning support they need to eliminate exclusionary zoning policies and other local regulations that contribute to sprawl. 
 
Increase access to affordable housing. Biden will invest in expanding the supply of affordable housing by:

Establishing a $100 billion Affordable Housing Fund to construct and upgrade affordable housing. He will ensure funding supports community development efforts, expanding the HOME program and the Capital Magnet Fund, which spurs private investment in affordable housing and economic development in distressed communities.

Providing tax incentives for the construction of more affordable housing in communities that need it most. As President, Biden will expand the Low-Income Housing Tax Credit – a tax provision designed to incentivize the construction or rehabilitation of affordable housing for low-income tenants that has created nearly 3 million affordable housing units since the mid-1980s – with a $10 billion investment. Biden will also invest in the development and rehabilitation of single family homes across distressed urban, suburban, and rural neighborhoods through the Neighborhood Homes Investment Act

Protect homeowners during the COVID-19 crisis. Biden has previously called for a rent freeze for qualifying individuals for the duration of the crisis, and a halt to foreclosures and evictions as people get back on their feet. Some banks are raising mortgage borrowing standards and requiring significantly higher down payments. Biden would also restrict the big banks’ ability to abandon the African American community by withdrawing from housing markets for all but the best-off buyers.
 
Read Joe Biden’s full housing plan at joebiden.com/housing.
 
Promote More Equitable Wealth Building and a More Secure Retirement
 
The typical white family holds approximately ten times the wealth as the typical African Americans family—a disparity that dramatically increased over the past half century. Today, the typical wealth of a white family is $171,000, compared to just $17,600 for the typical African American family. This inequity means that many African American families have insufficient wealth to enjoy a secure retirement. In fact, in 2016, the average African American family had just $25,000 saved for retirement—due in part to a retirement saving system that affords limited incentives for middle-class African American families to save for retirement. To make the U.S. retirement system more secure and equitable, Biden will:
 
Equalize the tax benefits of defined contribution plans. The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings.
The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. 
 
Remove penalties for caregivers who want to save for retirement. African Americans are more likely to be caregivers than whites. They also bear disproportionate caregiving responsibilities relative to white caregivers. Biden will support informal caregivers by allowing them to make “catch-up” contributions to retirement accounts, even if they’re not earning income in the formal labor market, as has been proposed in bipartisan legislation by Representatives Jackie Walorski and Harley Rouda.
 
Give small businesses a tax break for starting a retirement plan and giving workers the chance to save at work. Half of African American workers lack access to a retirement saving plan at work. Biden calls for widespread adoption of workplace savings plans and offers tax credits to small businesses to offset much of the costs. Under Biden’s plan, almost all workers without a pension or 401(k)-type plan will have access to an “automatic 401(k),” which provides the opportunity to easily save for retirement at work—putting millions of middle-class families in the path to a secure retirement.
 
Make Social Security benefits more generous and equitable. Older African Americans disproportionately depend on Social Security benefits for retirement income. To bolster retirement security for older African Americans who have spent a lifetime working, the Biden Social Security reform plan will raise benefits for vulnerable beneficiaries—including widows and widowers, low-wage workers, and long duration beneficiaries who may have exhausted all other assets. In addition, Biden proposes to boost average benefits across the board while putting Social Security on a long-term path to solvency by raising payroll taxes for workers with more than $400,000 in earnings.
 
Invest in Communities that Need it Most

Fully implement Congressman Clyburn’s 10-20-30 Plan to help all individuals living in persistently impoverished communities. To tackle persistent poverty in all communities, in both urban and rural America, Vice President Biden supports applying Congressman James Clyburn’s 10-20-30 formula to all federal programs, targeting funds to census tracts with persistent poverty.
 
Create a White House “StrikeForce” to partner with rural communities to help them access federal funds. The Biden Administration will create a White House StrikeForce consisting of agency leaders who will partner with community-building organizations in persistent poverty rural communities and help them unlock federal resources. This approach is modeled on the StrikeForce Secretary Tom Vilsack successfully established in the U.S. Department of Agriculture during the Obama-Biden Administration.
 
Drive additional capital into low-income communities to spur the development of low-income housing. The New Markets Tax Credit draws in $8 of private investment for every $1 of federal investment in low-income communities by providing tax credits to investors in community development organizations that support everything from supermarkets to real estate projects to manufacturing plants. Biden will expand the program to provide $5 billion in support every year, and will make the program permanent so communities can take the credit into account in their long-term planning.
 
Build and modernize infrastructure in communities that need it most. Biden has offered a transformational $1.3 trillion plan to create millions of good-paying, union jobs—roads, ports, waterways, schools, broadband, schools, and more. His plan includes specific measures to close the resource gap in communities of color. Biden will:

Invest in historically marginalized communities and bring everyone to the table for transportation planning. Biden will create a new Community Restoration Fund, specifically for neighborhoods where historic transportation investments cut people off from jobs, schools, and businesses. And, he will work to make sure towns and cities directly receive a portion of existing federal transportation investments.

Bring broadband to every American household. As President, Biden will close the digital divide. First, he will invest $20 billion in rural broadband infrastructure. He will triple funding to expand broadband access in rural areas, and ensure that the work of installing broadband provides high-paying jobs with benefits. He will encourage competition among providers, to increase speeds and decrease prices in urban, suburban, and rural areas. Biden will also work with the FCC to reform its Lifeline program, increasing the number of participating broadband providers, reducing fraud and abuse, and ultimately offering more low-income Americans the subsidies needed to access high-speed internet. Finally, Biden will work with Congress to pass the Digital Equity Act, to help communities tackle the digital divide. 

Read Joe Biden’s full plan to invest in infrastructure and our communities at joebiden.com/infrastructure, and his full plan for older Americans at joebiden.com/older-Americans.
 
Support African American Workers
 
Biden is proposing a plan to grow a stronger, more inclusive middle class—the backbone of the American economy—by strengthening public and private sector unions and helping all workers bargain successfully for what they deserve. Biden knows that African Americans face unique challenges as workers. Biden will support these workers by:
 
Fight for equal pay. African American women earned 61 cents for every dollar earned by white men in 2017. This totals $23,653 less in earnings in a year and $946,120 less in a lifetime. The Obama-Biden Administration protected more workers against retaliation for discussing wages and required employers to collect and report wage gaps to the federal government. As President, Biden will codify this into law, and he’ll make it easier for workers to join together in class action lawsuits, shift the burden to employers to prove pay gaps exist for job-related reasons, and increase penalties against companies that discriminate, as called for in the Paycheck Fairness Act. And, he’ll hold companies accountable by increasing funding for investigators and enforcement actions.
 
Ensure federally funded projects protect workers. Biden will propose infrastructure legislation that incorporates labor provisions contained in Senator Merkley’s Good Jobs for 21st Century Energy Act, adopting all basic labor protections, ensuring that all investments meet Davis-Bacon wage guidelines, and banning anti-worker provisions like forced arbitration and the overuse of temporary staffing agencies. He will require federally funded projects to employ workers trained in registered apprenticeship programs, and to prioritize Project Labor and Community Workforce Agreements in federal procurement procedures. His proposal will make sure that national infrastructure investments create millions of middle-class jobs, benefiting union and non-union workers across industries. Read Joe Biden’s full plan to encourage unions and collective bargaining at joebiden.com/empowerworkers.
 
Encourage diverse hiring and promotion practices. To push companies to look hard at their hiring practices and root out discrimination, Biden will require companies to make public their overall workforce diversity and senior-level diversity. He will support employers in increasing diverse hiring and promotion by providing federal grants to states, cities, and organizations to develop and implement evidence-based practices and innovative solutions, such as ban the box legislation, to push employers to hire and retain diverse employees and end discriminatory hiring policies. And, he will hold companies accountable by increasing funding for the Equal Employment Opportunity Commission, the U.S. Labor Department’s Office of Federal Contract Compliance Programs (OFCCP), and the U.S. Justice Department’s Civil Rights Division to increase the number of investigators.
 
Restore the federal government’s role in setting the bar for other employers to advance opportunities for all workers. Biden will restore and build on the Obama-Biden Administration’s Fair Pay and Safe Workplaces executive order, which Trump revoked, requiring employers’ compliance with labor and employment laws be taken into account in determining whether they are sufficiently responsible to be entrusted with federal contracts. And, he will mandate that contractors publicly disclose plans to recruit and advance people of color, women, people with disabilities, and covered veterans and will increase enforcement efforts, including pursuing debarment where contractors refuse to end discriminatory practices.
 
Protect essential workers in the COVID-19 crisis. A report published in April found that “Black Americans are overrepresented in nine of the ten lowest-paid, high-contact essential services, which elevates their risk of contracting the virus.” Joe Biden has released a plan to protect these essential workers, and give them the respect, dignity, and pay they deserve.  If he were President, he would:

Ensure all frontline workers, like grocery store employees, qualify for priority access to personnel protective equipment (PPE) and COVID-19 testing based upon their risk of exposure to the virus, as well as child care assistance, and other forms of emergency COVID-19 support.

Expand access to effective personal protective equipment, including through use of the Defense Production Act. 

Establish and enforce health and safety standards for workplaces.

Enact premium pay for frontline workers putting themselves at risk. There is no substitute for ensuring worker safety, but all frontline workers putting their lives on the line should receive premium pay for their work. This premium pay should be in addition to paid sick leave and care-giving leave for every worker, which Biden called for in his plan, and $15 minimum wage for all workers. 

Turn unemployment insurance into employment insurance. African American workers are more likely to work in jobs subject to reduced hours, furloughs, and layoffs during the pandemic. Biden would transform unemployment insurance into employment insurance for millions of workers by getting states to adopt and dramatically scale up short-time compensation programs. Under short-time compensation—also known as work sharing—firms in distress keep workers employed but at reduced hours and the federal government helps make up the difference in wages. The Obama-Biden administration championed this approach in the U.S., and so far more than half of states have established short-time compensation programs. For the current crisis, the administration should move rapidly to scale up short-time compensation in all 50 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands to save or restore millions of jobs.
 
EXPAND ACCESS TO HIGH-QUALITY EDUCATION AND TACKLE RACIAL INEQUITY IN OUR EDUCATION SYSTEM
 
As President, Biden will ensure that no child’s future is determined by their zip code, parents’ income, race, or disability. Biden will build an education system that starts with investing in our children at birth and helps every student get some education beyond a high school diploma, whether a certification, associate’s degree, or bachelor’s degree. Biden will:
 
Provide high-quality, universal pre-kindergarten for all three- and four-year-olds. For families with young children, finding highly quality pre-K is a major financial, logistical, and emotional burden, with potentially lifelong consequences for their children. As President, Biden will work with states to offer pre-K for all three- and four-year-olds.
 
Eliminate the funding gap between white and non-white districts, and rich and poor districts in order to give teachers a raise and expand STEM curriculum in underserved school districts. There’s an estimated $23 billion annual funding gap between white and non-white school districts today. Biden will work to close this gap by nearly tripling Title I funding, the federal program funding schools with a high percentage of students from low-income families. This new funding will first be used to ensure teachers at Title I schools are paid competitively, three- and four-year olds have access to pre-school, and districts provide access to rigorous coursework—including computer science and other STEM subjects—across all their schools, not just a few.
 
Improve teacher diversity. For African American students, having just one African American teacher in elementary school reduces the probability of dropping out. Biden will support more innovative approaches to recruiting teachers of color, including supporting high school students in accessing dual-enrollment classes that give them an edge in teacher preparation programs, helping paraprofessionals work towards their teaching certificate, and working with Historically Black Colleges and Universities and Minority-Serving Institutions to recruit and prepare teachers.
 
Reinstate the Obama-Biden Administration’s actions to diversify our schoolsAs President, Biden will reinstate the Department of Education guidance that supported schools in legally pursuing desegregation strategies and recognized institutions of higher education’s interests in creating diverse student bodies. And, he will provide grants to school districts to create plans and implement strategies to diversify their schools.
 
Ensure that African American students are not inappropriately identified as having disabilities, while also ensuring that African American students with disabilities have the support to succeed. African American students are 40% more likely to be identified as having any disability, and twice as likely to be identified as having certain disabilities, such as emotional disturbance and intellectual disabilities. The Obama-Biden Administration issued regulations to address racial disparities in special education programs, including disproportionate identification. The Trump Administration attempted to illegally delay the Obama-Biden Administration’s regulation. Biden will fully implement this regulation and provide educators the resources that they need to provide students with disabilities a high-quality education by fully funding the Individuals with Disabilities Education Act (IDEA). 
 
Address the African American student debt crisis. The student debt burden has a disproportionate impact on African Americans. The typical bachelor’s degree graduate has about $16,000 in debt compared to $23,400 for African Americans students. According to a recent Brookings Institution study, African Americans graduating with a four year degree are 5 times more likely to default on their student loans than white graduates. African American students are three times more likely to default on their student loans than white student borrowers. The inequitable burden of student loan debt contributes to the stark racial wealth gap that exists in society. Biden’s plans to address student loan debt will alleviate student debt burdens by:

Including in the COVID-19 response an immediate cancellation of a minimum of $10,000 of federal student loan debt.

Forgiving all undergraduate tuition-related federal student debt from two- and four-year public colleges for debt-holders earning up to $125,000. This will also apply to individuals holding federal student loans for tuition from private HBCUs and MSIs.

Forgiving loan payments for individuals making $25,000 or less per year and capping loan payments at 5% of discretionary income for those making more.

Fixing the Public Service Loan Forgiveness Program and forgiving $10,000 of undergraduate or graduate student debt for every year of national or community service, up to five years.

Cracking down on private lenders profiteering off of students by empowering the Consumer Financial Protection Bureau to take action against private lenders who are misleading students about their options and do not provide an affordable payment plan when individuals are experiencing acute periods of financial hardship.

Permitting the discharge of student loans in bankruptcy.

Increase college completion by making college affordable for African American students. Our postsecondary education system has not done enough to help African American students access, afford, and succeed in high-quality postsecondary education. 64% of white students graduate from four year institutions, compared to only 40% of African Americans. To help African American students access and complete college, Biden will:

Make public colleges and universities tuition-free for all students whose family incomes are below $125,000, including students at public HBCUs. 

Providing two years of community college or other high-quality training programs without debt for any hard-working individual looking to learn and improve their skills to keep up with the changing nature of work. This commitment includes two-year public HBCUs. Individuals will also be able to use these funds to pursue training programs that have a track record of participants completing their programs and securing good jobs, including adults who never had the chance to pursue additional education beyond high school or who need to learn new skills.

Targeting additional financial support to low-income and middle-class individuals by doubling the maximum value of Pell grants, significantly increasing the number of middle-class Americans who can participate in the program. According to the Department of Education, almost 60% of African American undergraduates received a Pell grant during the 2015-2016 academic year. Biden also will restore formerly incarcerated individuals’ eligibility for Pell.

Invest over $70 billion in the Historically Black Colleges and Universities and Minority-Serving Institutions that will train our next generation of African American professionals. Historically Black Colleges and Universities (HBCUs) are key to educating our next generations of African American leaders. They enroll about 10% of African American students, while accounting for more than 20% of African American bachelor’s degrees awarded. 40% of African American engineers and 80% of African American judges are HBCU graduates. But these institutions do not receive the investment that reflects their importance. The Thurgood Marshall College Fund estimates that the typical HBCU endowment is one-eighth the average size of historically white colleges. As President, Biden will take steps to rectify the funding disparities faced by HBCUs so that the United States can benefit from their unique strengths. Biden will:

Make HBCUs more affordable for their students. Biden will invest $18 billion in grants to four-year HBCUs and Minority-Serving Institutions (MSIs), equivalent to up to two years of tuition per low-income and middle class student. He will invest additional funds in private, non-profit HBCUs and under-resourced MSIs so they are not undermined by the Biden proposal to make four-year public colleges and universities tuition-free for students. Schools must invest in lowering costs, improving retention and graduation rates, and closing equity gaps year over year for students of color.

Reduce disparities in funding for HBCUs and MSIs.

Invest $10 billion to create at least 200 new centers of excellence that serve as research incubators and connect students underrepresented in fields critical to our nation’s future – including fields tackling climate change, globalization, inequality, health disparities, and cancer – to learning and career opportunities.

Build the high tech labs and facilities and digital infrastructure needed for learning, research, and innovation at HBCUs and MSIs.

Invest $5 billion in graduate programs in teaching, health care, and STEM and will develop robust internship and career pipelines at major research agencies.

Create a “Title I for postsecondary education” to help students at under-resourced four-year schools complete their degrees. The Biden Administration will establish a new grant program to support under-resourced four-year schools that serve large numbers of Pell-eligible students. The funds will be used to foster collaboration between colleges and community-based organizations to provide wraparound support services for students, including additional financial aid to cover textbook and transportation costs that often keep students from staying enrolled, to child care and mental health services, faculty mentoring, tutoring, and peer support groups.

Make a $50 billion investment in workforce training, including community-college business partnerships and apprenticeships. These funds will create and support partnerships between community colleges, businesses, unions, state, local, and tribal governments, universities, and high schools to identify in-demand knowledge and skills in a community and develop or modernize training programs – which could be as short as a few months or as long as two years – that lead to a relevant, high-demand industry-recognized credential.
 
Read Joe Biden’s full education plans at joebiden.com/education and joebiden.com/beyondHS.

MAKE FAR-REACHING INVESTMENTS IN ENDING HEALTH DISPARITIES BY RACE
 
The COVID-19 pandemic has highlighted the long-standing, pervasive disparities that exist across our health care system due to unequal access to treatment. An early analysis indicates that counties with majority-African American populations have coronavirus infection rates three times higher than counties with majority white residents, with death rates nearly six times higher. Although COVID-19 can hit anyone anywhere, it does not affect every community the same. African Americans are more likely to be uninsured and report higher rates of chronic health problems, and these factors increase their chances of becoming seriously ill and dying from this disease. This is unconscionable. Biden calls on Congress to immediately enact Senator Kamala Harris’ bill to create a task force to address the racial disparities that have been laid bare by this pandemic. As President, he will do everything in his power to eliminate health care disparities.
 
Ensuring access to health care during this crisis. In the short-term, Biden’s COVID-19 response plan calls on the Trump Administration to drop its support of a lawsuit to overturn Obamacare. Millions of Americans may lose their health insurance because they lose their job, and millions more may find health care increasingly difficult to afford. During this crisis, Biden would expand access to quality, affordable health care for all through:

Creating a public option;

Providing full payment of premiums for COBRA plans;

Increasing Affordable Care Act subsidies;

Reopening Obamacare enrollment so uninsured individuals can get insured;

Increasing federal investments in Medicaid;

Ensuring that every person, whether insured or uninsured, will not have to pay a dollar out-of-pocket for visits related to COVID-19 testing, treatment, preventative services, and any eventual vaccine. No co-payments, no deductibles, and no surprise medical billing.

Ensure access to affordable, high-quality health care beyond the crisis. Because of Obamacare, over 100 million people no longer have to worry that an insurance company will deny coverage or charge higher premiums just because they have a pre-existing condition – whether cancer or diabetes or heart disease or a mental health challenge. Insurance companies can no longer set annual or lifetime limits on coverage. Roughly 20 million additional Americans obtained the peace of mind that comes with health insurance. Young people who are in transition from school to a job have the option to stay covered by their parents’ plan until age 26. As President, Joe Biden will build on Obamacare. He will help address racial disparities in the health care system in the following ways:

Reducing the uninsured rate for African Americans by creating a public option health planNationally, 11% of nonelderly African Americans are uninsured, compared to 8% of white people. This disparity is far greater in states with Republican governors who have not expanded Medicaid. Biden will give all Americans a new choice, a public health insurance option like Medicare. And he will ensure the individuals who would be eligible for Medicaid but for their state’s inaction are automatically enrolled on to the public option, at no cost to the individual.

Improving care for patients with chronic conditions, by coordinating among all of a patient’s doctors. This is particularly important for patients with chronic conditions, such as diabetes and hypertension, which disproportionately impact African Americans.

Lowering costs for African Americans enrolled in Obamacare plans by increasing the value of tax credits to lower premium and lowering deductibles by making other changes to how the tax credits are calculated.

Lowering drug prices, by allowing Medicare to negotiate with drug prices and stopping drug companies from price gouging on new drugs.

Reducing our unacceptably high African American maternal mortality rate. African American women are 2.5 times more likely to die from pregnancy complications than non-Hispanic white women. California came up with a strategy that halved the state’s maternal death rate. The Biden plan takes the California strategy nationwide.

Expanding access to reproductive health care, including contraception and protecting the constitutional right to choose. Biden supports repealing the Hyde Amendment. He will also restore funding for Planned Parenthood, which provides services necessary to address health disparities, including breast cancer screenings and HIV/AIDS counseling, screening, and treatment. The breast cancer death rate is over 40% higher for African Americans than white women, and in 2016, African American women comprised 60% of new HIV cases.

Doubling the nation’s investment in community health centers. Community health centers provide primary, prenatal, and other important care, and their patients are disproportionately members of racial and ethnic minority groups, including African Americans.

Expanding access to mental health care. African Americans are far less likely to receive mental health services or compared to white adults.  Biden will ensure mental health parity and eliminating the stigma around mental health are critical to closing this gap.

Tackling social determinants of health. Because racial health disparities are the result of years of systemic inequality not only in our health care system, but across our economy, other parts of Joe Biden’s agenda are also necessary to improve the overall well-being of African Americans. For example, African Americans are more likely to face exposure to air pollutants that cause respiratory illnesses that make them particularly vulnerable to COVID-19.

Invest in the diverse talent at Historically Black Colleges and Universities (HBCUs) and Minority Serving Institutions (MSIs) to solve the country’s most pressing problems, including health disparities. As part of Biden’s more than $70 billion investment in HBCUs and MSIs, he will invest $10 billion to create at least 200 new centers of excellence that serve as research incubators and connect students underrepresented in fields critical to our nation’s future to learning and career opportunities. He will develop robust internship and career pipelines at major research agencies, including National Institutes of Health. He will also dedicate additional and increased priority funding streams at federal agencies for grants and contracts for HBCUs and MSIs. And, he will require any federal research grants to universities with an endowment of over $1 billion to form a meaningful partnership and enter into a 10% minimum subcontract with an HBCU, TCU, or MSI.
 
Build a diverse pipeline of health care professionals by investing in health care graduate programs at HBCUs and MSIs. As part of Biden’s more than $70 billion investment in HBCUs and MSis, he will invest $5 billion in graduate programs in health care, along with teaching and STEM, at HBCUs and MSIs.
 
Read Joe Biden’s full health care plan at joebiden.com/healthcare.
 
STRENGTHEN AMERICA’S COMMITMENT TO JUSTICE
 
Today, too many people are incarcerated in the United States – and too many of them are African American. To build safe and healthy communities, we need to rethink who we’re sending to prison, how we treat those in prison, and how we help them get the health care, education, jobs, and housing they need to successfully rejoin society after they serve their time. As President, Biden will strengthen America’s commitment to justice and reform our criminal justice system.
 
The Biden Plan for Strengthening America’s Commitment to Justice is based on several core principles:

We can and must reduce the number of people incarcerated in this country while also reducing crime. Reducing the number of incarcerated individuals will reduce federal spending on incarceration. These savings should be reinvested in the communities impacted by mass incarceration.

Our criminal justice system cannot be just unless we root out the racial, gender, and income-based disparities in the system. African American mothers and fathers should feel confident that their children are safe walking the streets of America. And, when a police officer pins on that shield and walks out the door, the officer’s family should know they’ll come home at the end of the day. Additionally, women and children are uniquely impacted by the criminal justice system, and the system needs to address their unique needs.

Our criminal justice system must be focused on redemption and rehabilitation. Making sure formerly incarcerated individuals have the opportunity to be productive members of our society is not only the right thing to do, it will also grow our economy.

No one should be profiteering off of our criminal justice system.

Biden will call for the immediate passage of Congressman Bobby Scott’s SAFE Justice Act, an evidence-based, comprehensive bill to reform our criminal justice system “from front-end sentencing reform to back-end release policies.” The Biden Plan will also go further. Biden will take bold action to reduce our prison population, create a more just society, and make our communities safer. He will:
 
Expand and use the power of the U.S. Justice Department to address systemic misconduct in police departments and prosecutors’ offices. Using authority in legislation spearheaded by Biden as senator, the Obama-Biden Justice Department used pattern-or-practice investigations and consent decrees to address circumstances of “systemic police misconduct” and to “restore trust between police and communities” in cities such as Ferguson. Yet, the Trump Administration’s Justice Department has limited the use of this tool. Under the Biden Administration, the Justice Department will again use its authority to root out unconstitutional or unlawful policing. In addition, Biden will push for legislation to clarify that this pattern-or-practice investigation authority can also be used to address systemic misconduct by prosecutors’ offices.
 
Establish an independent Task Force on Prosecutorial Discretion. The Biden Administration will create a new task force, placed outside of the U.S. Department of Justice, to make recommendations for tackling discrimination and other problems in our justice system that results from arrest and charging decisions.
 
Reinvigorate community-oriented policing. Policing works best when officers are out of their cruisers and walking the streets, engaging with and getting to know members of their communities. But in order to do that, police departments need resources to hire a sufficient number of officers. Biden spearheaded the Community Oriented Policing Services (COPS) program, which authorized funding both for the hiring of additional police officers and for training on how to undertake a community policing approach. However, the program has never been funded to fulfill the original vision for community policing. Biden will reinvigorate the COPS program with a $300 million investment. As a condition of the grant, hiring of police officers must mirror the racial diversity of the community they serve. Additionally, as President, Biden will establish a panel to scrutinize what equipment is used by law enforcement in our communities.
 
Invest in public defenders’ offices to ensure defendants’ access to quality counsel. Defenders’ resources and support are too decentralized and too hard to access. Biden will expand the Obama-Biden effort to expand resources for public defenders’ offices.
 
Create a $20 billion grant program to support criminal justice reform at the state and local level. Funds can be used by cities and states on measures proven to reduce crime and incarceration, and require states to eliminate mandatory minimums for non-violent crimes in order to receive funding.
 
Reform sentencing. Biden will work with Congress to reform federal sentencing and provide incentives to state and local systems to do the same. He will end, once and for all, the federal crack and powder cocaine disparity, decriminalize the use of cannabis and automatically expunge all prior cannabis use convictions, and end all incarceration for drug use alone and instead divert individuals to drug courts and treatment. He will work to eliminate mandatory minimums and the death penalty.
 
End the criminalization of poverty. Cash bail is the modern-day debtors’ prison. Biden will lead a national effort to end cash bail and reform our pretrial system by putting in place, instead, a system that is fair and does not inject further discrimination or bias into the process. And, he will work to end the practice of jailing people for being too poor to pay fines and fees.
 
Stop corporations from profiteering off of incarceration. Biden will end the federal government’s use of private prisons, building off an Obama-Biden Administration’s policy rescinded by the Trump Administration. And, he will make clear that the federal government should not use private facilities for any detention, including detention of undocumented immigrants.
 
Eliminate existing barriers preventing formerly incarcerated individuals from fully participating in society. For example, Biden will eliminate barriers keeping formerly incarcerated individuals from accessing public assistance such as SNAP, Pell grants, and housing support. The Biden Administration will incentivize states to automatically restore voting rights for individuals convicted of felonies once they have served their sentences. He will also expand access to mental health and substance use disorder treatment, as well as educational opportunities and job training for individuals during and after incarceration. 
 
Reform the juvenile justice system. Biden will invest $1 billion per year in juvenile justice reform. He will expand funding for after-school programs, community centers, and summer jobs to keep young people active, busy, learning, and having fun. Biden will double the number of mental health professionals in our schools so behavioral and emotional challenges can be addressed by appropriately skilled psychologists, counselors, and social workers, not our criminal justice system. And, he will restore the Obama-Biden Administration guidance to help schools address the high number of suspensions and expulsions that affect students of color at a higher rate than white students.
 
Make our communities safer. Biden will pursue evidence-based measures to root out persistent violent crime. Violent offenders need to be held accountable, and survivors need to have access to support to deal with the physical, psychological, and financial consequences of violence. Biden will tackle the rise in hate crimes through moral leadership that makes clear such vitriol has no place in the United States. And, in the Biden Administration, the Justice Department will prioritize prosecuting hate crimes. Additionally, Biden will address the daily acts of gun violence in our communities that may not make national headlines, but are just as devastating to survivors and victims’ families as gun violence that does make the front page. These daily acts of gun violence disproportionately impact communities of color. Biden will create a $900 million, eight-year initiative to fund evidence-based interventions in 40 cities across the country – the 20 cities with the highest number of homicides, and 20 cities with the highest number of homicides per capita. This proposal is estimated to save more than 12,000 lives over the eight-year program.
 
Read Joe Biden’s full criminal justice plan at joebiden.com/justice and his plan to reduce gun violence at joebiden.com/gunsafety.
 
MAKE THE RIGHT TO VOTE AND THE RIGHT TO EQUAL PROTECTION REAL FOR AFRICAN AMERICANS
 
President Trump has rolled back civil rights enforcement across the government and cut staff for the Civil Rights Division of the U.S. Department of Justice.  In the first two years of the Trump Administration, the Division started 60% fewer investigations than during the Obama-Biden Administration. As President, Biden will reverse the damage done by Trump and increase funding for civil rights enforcement. He will ensure that the Civil Rights Division of the Department of Justice, the EEOC, and agency civil rights enforcement offices have the resources they need to root out and stop discrimination. He will also:
 
Ensure that political appointees, including the President’s Cabinet, look like the country they serve, and ensure that our federal workforce is representative of the demographics in our country. The Obama-Biden Administration made great progress in building a diverse federal workforce, but Biden knows work remains for the country to fully realize the benefits of the talents, abilities, and perspectives of a workforce that looks like the country. As President, Biden will nominate and appoint people who look like the country they serve and share Biden’s commitment to rigorous enforcement of civil rights protections. He will reissue and mandate strict compliance with the Obama-Biden executive order to promote diversity and inclusion. He will rebuild the pipeline of workers into the federal government and incentivize more qualified workers to choose public service by forgiving $10,000 a year in student debt for up to five years of public service. He’ll tap into the best and brightest talent from every source by developing career pipelines from Historically Black Colleges and Universities and Minority Serving Institutions into federal agencies. Biden will also provide more training and mentoring opportunities to improve retention, and collect better data about who is applying for federal service positions as well as being promoted.
 
Appoint U.S. Supreme Court justices and federal judges who look like America, are committed to the rule of law, understand the importance of individual civil rights and civil liberties in a democratic society, and respect foundational precedents like Brown vs. Board of Education and Roe v. Wade. Biden has also pledged to appoint the first African American woman to the U.S. Supreme Court, a move which is long overdue. We can’t have four more years of Trump appointees filling lifetime judiciary seats. Trump has already appointed 193 federal judges – including two Supreme Court justices. Only eight are African American. Three Trump appointees were rated “not qualified” by the American Bar Association.
 
Ensure every vote counts. Since the Supreme Court decision in Shelby County v. Holder, an increasing number of states have passed laws with no apparent purpose besides making it more difficult to vote, especially for people of color. It’s just as un-American now as it was during Jim Crow. As President, Biden will strengthen our democracy by guaranteeing that every American’s vote is protected. He will start by passing the Voting Rights Advancement Act to update section 4 of the Voting Rights Act and develop a new process for pre-clearing election changes. He also will ensure that the Justice Department challenges state laws suppressing the right to vote. Biden supports automatic voter registration, same-day voter registration, and many more steps to make exercising one’s right to vote easier. Biden will ensure that the Justice Department has the resources and authority to enforce laws that protect our voting rights. Biden believes we need to end gerrymandering and we must protect our voting booths and voter rolls from foreign powers that seek to undermine our democracy and interfere in our elections. And, the Biden Administration will incentivize states to automatically restore voting rights for individuals convicted of felonies once they have served their sentences. 

Combat the epidemic of violence against transgender women of color. As a direct response to the high rates of homicide of transgender people—particularly transgender women of color—the Biden Administration will make prosecuting their murderers a priority. And, during his first 100 days in office, Biden will direct federal resources to help prevent violence against transgender women, particularly transgender women of color. Recognizing that employment and housing discrimination lead to increased risk of homelessness and violence, Biden will also work to pass the Equality Act to reduce economic barriers and social stigma and the LGBTQ Essential Data Act to help collect a wide variety of critical data about anti-trans violence and the factors that drive it.

Tackle systemic racism and support a study of the continuing impacts of slavery. We must acknowledge that there can be no realization of the American dream without grappling with the original sin of slavery, and the centuries-long campaign of violence, fear, and trauma wrought upon African American people in this country. As Biden has said in this campaign, a Biden Administration will support a study of reparations. Biden will begin on day one of his Administration to address the systemic racism that persists across our institutions today. That’s why he developed educationclimate change, and health care policies, among others, that will root out this systemic racism and ensure that all Americans have a fair shot at living the American dream.
 
ADDRESS ENVIRONMENTAL JUSTICE
 
Biden knows we cannot turn a blind eye to the way in which environmental burdens and benefits have been and will continue to be distributed unevenly along racial and socioeconomic lines – not just with respect to climate change, but also pollution of our air, water, and land. The evidence of these disproportionate harms is clear. According to the Asthma and Allergy Foundation of America and the National Pharmaceutical Council, African Americans are almost three times more likely to die from asthma related causes than their white counterparts. People of color are more likely to live in areas most vulnerable to flooding and other climate change-related weather events. They are also less likely to have the funds to prepare for and recover from extreme weather. In the wake of Hurricane Harvey, African American and Hispanic residents were twice as likely as non-Hispanic white individuals to report experiencing an income shock and lack of recovery support.
 
As President, Biden will stand up to the abuse of power by polluters who disproportionately harm communities of color and low-income communities. He has asked his campaign to commence a process to more deeply engage with environmental justice leaders and develop additional policies related to environmental justice. The policies, to be announced in the weeks ahead, will build on the proposals he has put forward to date:
 
Reinstate federal protections, rolled back by the Trump Administration, that were designed to protect communities. Biden will make it a priority for all agencies to engage in community-driven approaches to develop solutions for environmental injustices affecting communities of color, low-income, and indigenous communities.
 
Hold polluters accountable. African American children living in poverty are more likely than wealthier white children to live in a community that borders toxic chemical facilities. Extreme weather can increase the health risks of being co-located with these toxic structures. Under the Trump Administration, the U.S. Environmental Protection Agency (EPA) has referred the fewest number of criminal anti-pollution cases to the Justice Department in 30 years. Allowing corporations to continue to pollute – affecting the health and safety of both their workers and surrounding communities – without consequences perpetuates an egregious abuse of power. Failure to reduce emissions disproportionately hurts African American and Hispanic residents who experience 37% higher exposure to nitrogen dioxide (a toxic pollutant) compared to non-Hispanic whites. This leads to an increased rate of premature death due to heart disease. As President, Biden will direct EPA and the Justice Department to pursue these cases to the fullest extent permitted by law and, when needed, seek additional legislation as needed to hold corporate executives personally accountable – including jail time where merited.
 
Ensure access to safe drinking water for all communities. Biden will make water infrastructure a top priority, for example, by establishing systems to monitor lead and other contaminants in our water supply and take necessary action to eliminate health risks, including holding polluters accountable and support communities in upgrading their systems. In addition, Biden will double federal investments in clean drinking water and water infrastructure, and focus new funding on low-income rural, suburban, and urban areas that are struggling to replace pipes and treatment facilities – and especially on communities at high risk of lead or other kinds of contamination. In addition, Biden will reduce the matching funds required of local governments that don’t have the tax base to be able to afford borrowing to repair their water systems.
 
Monitor for lead and other contaminants and hold polluters accountable. As President, Biden will also require state and local governments to monitor their water systems for lead and other contaminants, and he will provide them with the resources to do so. Biden will also work with the EPA and the Justice Department to hold companies that pollute our waterways accountable, aggressively enforcing existing regulations and prosecuting any violations. Corporations and their executives cannot break the law and expect to get away with it.
 
Prioritize communities harmed by climate change and pollution. Low-income communities and communities of color don’t equally share in the benefits of well-paying job opportunities that result from our clean energy economy. As President, Biden will make sure these communities receive preference in competitive grant programs in the Clean Economy Revolution. In addition, Biden will pursue new partnerships with community colleges, unions, and the private sector to develop programs to train all of America’s workforce to tap into the growing clean energy economy; incorporate skills training into infrastructure investment planning by engaging state and local communities; and reinvigorate and repurpose AmeriCorps for sustainability, so that every American can participate in the clean energy economy. We also know that resiliency investments can raise property values and push lower-income families out of their neighborhoods. Climate change mitigation efforts must consciously protect low-income communities from “green gentrification.”