Everyone in America should have a decent, affordable, and safe place to live. But today, stagnant wages, sky-rocketing rents, and a stark shortage of affordable options are putting the squeeze on America’s 43 million renting households.
In 2015, 38% of renters were “rent burdened” - spending over 30% of their income in rent. In 2017, 23 million
low-income renters paid more than half of their total household income
on housing. Many renters also face high energy bills, with low-income
renters paying as much as 21% of their income because of energy inefficient housing. A full-time, minimum-wage worker can’t afford a two-bedroom apartment anywhere in the nation.
Gentrification is displacing communities of color, rising rents are
crushing millions of families, and landlords are exploiting their power
over tenants.
But
for decades, the federal government has turned a blind eye to our
growing affordable housing crisis. When the government has made
investments, it’s focused largely on homeownership. From Nixon’s moratorium on new public housing construction to Reagan’s severe cuts to the Department of Housing and Urban Development’s rental assistance program to today’s corporate capture of the right to shelter, Washington has failed America’s renters. To make matters worse, every single Trump administration budget has slashed funding for HUD’s budget.
And
shamelessly, some of the same Wall Street firms that tanked the dream
of homeownership for millions of American families are now the country’s
biggest landlords
- profiting off the destruction they caused. In the wake of the 2008
crisis, private equity firms like Blackstone went on a shopping spree,
snatching up apartment complexes and single-family homes that had been foreclosed. Even the United Nations Special Rapporteurs have reported on their aggressive eviction tactics, the discriminatory impact of their policies on communities of color, and their lobbying efforts against legislation that would protect renters - and accused them of contributing to the global housing crisis.
My Housing Plan for America invests $500 billion over
the next ten years to build, preserve, and rehab more than three
million units that will be affordable to lower-income families. My plan
will lower rents by 10%, reform land-use rules that restrict affordable
housing construction and further racial segregation, and take a critical
first step towards closing the racial wealth gap.
Today, I’m expanding on those efforts with my plan to protect and empower renters. It has four goals:
- Protect and uphold the rights of tenants
- Tackle the growing cost of rent
- Invest in safe, healthy, and green public housing
- Fight exploitation by corporate landlords
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Everyone should have a decent, affordable, and safe place to live.
Protect and uphold the rights of tenants
We’ll start by strengthening the rights of tenants. Over 805,000
renter households were threatened with eviction in 2017. When landlords
evict tenants, families lose their homes, parents may lose their jobs,
kids suffer in schools, and whole communities, especially communities of
color, can be displaced by gentrification and skyrocketing rents. In
many communities, landlords dramatically hike rents after evicting tenants, driving housing costs up for everyone.
Most cities and towns in America allow “no fault” or “no cause” evictions, in which landlords can evict renters for no reason at all, even if they haven’t fallen behind on rent or violated a single lease provision. In other jurisdictions, landlords can refuse to renew leases for any reason at all, including to retaliate against tenants who organize or to flip homes families have lived in for decades into luxury housing, or they can add pass through fees on top of rent. And in other cases, landlords will make homes so unlivable - for example, by shutting off heat in the winter or neglecting repair requests - that tenants are “constructively evicted” and have no choice but to leave. In Reno,
where there are only 21 affordable housing units per 100 extremely
low-income residents, the unjust eviction rate climbed by 300% from 2002
to 2017.
Tenants
that organize to take on bad landlords are up against a massive power
imbalance. I’ll fight to put power back where it belongs: with tenants,
not big corporate landlords.
Landlords
shouldn’t be able to arbitrarily push families out of their communities
to make an extra buck or because of thinly-veiled racism and
discrimination. I’ll
work to secure tenants’ rights nationwide - including by creating a
federal just cause eviction standard, a right to lease renewal,
protections against constructive eviction, and tenants’ right to
organize. To enforce these rights, I’ll condition the $500 billion in new affordable housing funding
to states from my housing plan on states affirmatively adopting these
key tenant protections. Judges in eviction proceedings would also be
required to consider how an eviction might harm a tenant’s health
conditions or a child’s ability to stay enrolled in local public
schools, and to temporarily stay evictions if tenants can’t find another
home in the same neighborhood.
As President, I’ll also fight for a nationwide right-to-counsel for low-income tenants.
In 2010, 90% of tenants in eviction proceedings weren’t represented by lawyers, but 90% of landlords were. That legal help matters. Legal representation can significantly increase
success in for tenants in their cases, keep eviction filings off their
records, and prevent them from having to enter homeless shelters. That’s
why I’ll fight to create a national housing right-to-counsel fund which
would provide grants to cities to guarantee access to counsel for low-
and middle-income tenants who are facing eviction or taking their
landlord to court for violations like breaching their lease, shutting
off their heat and water, or violating the housing code. And
I’ll fight to create a new tenants’ cause of action that allows tenants
to sue landlords who threaten or begin an illegal eviction.
I’ll
also push to create a new Tenant Protection Bureau within the
Department of Housing and Urban Development - modeled after the Consumer
Financial Protection Bureau (CFPB) - to enforce tenants’ rights, take
on bad actors, and make sure landlords keep affordable housing
affordable for working families. Before the financial crash, I
came up with the idea for a consumer financial protection agency— a new
federal agency dedicated to protecting American consumers. I fought for
that agency, helped build it from scratch, and now the CFPB has returned
nearly $12 billion directly to consumers scammed by financial institutions.
Tenants
deserve a cop on the beat too. My new Tenant Protection Bureau, housed
within HUD, would enforce these federal tenant protections, like
just-cause eviction, for tenants in all federally-funded affordable
housing developments, ensure safe and decent living conditions, and
guarantee that landlords don’t illegally raise rents or fees in
federally-subsidized housing. The Tenant Protection Bureau will also
empower community organizers with grants to state and local groups who
will sue for violations of tenant protections.
Tenants face similar dynamics to borrowers facing unscrupulous banks or servicers. I’ll create a tenant hotline modeled after the CFPB consumer complaint database that
will route complaints from tenants to their landlords through HUD,
which could review the data for enforcement opportunities and share the
data with local officials and organizations to help them enforce local
protections.
I’ll strengthen fair housing law and enforcement, giving HUD the tools to take on modern-day redlining. A 2017 study in Virginia found that Black tenants were more likely
to be evicted, even accounting for different income levels. Research
has also shown that low-income women in Black and Latinx neighborhoods
face a heightened risk of eviction. Fifty years after the passage of the Fair Housing Act (FHA), housing segregation endures, gentrification is pushing communities of color out of the neighborhoods they built, people with disabilities face pervasive discrimination, and nearly a quarter of transgender people report experiencing housing discrimination.
We need to renew our fight against housing discrimination, and I’ll start on day one. I’ll restore the Affirmatively Furthering Fair Housing (AFFH) rule, which the Trump Administration put on ice.
The AFFH rule would fulfill the FHA’s promise to end housing
segregation by requiring local governments to identify housing policies
and practices with racist effects and undo them. I’ll also roll back the
Trump administration’s effort to add work requirements to housing assistance. And I’ll withdraw Trump’s racist proposed “mixed status” rule which, according to HUD’s own analysis, would effectively evict tens of thousands of families and 55,000 children based on the immigration status of household family members.
The Trump Administration is also trying to weaken HUD’s Disparate Impact Rule, immunizing landlords who use discriminatory algorithms to screen out tenants and making it far harder to hold bad actors accountable.
I’ll protect the disparate impact rule so that tenants have the tools
to challenge zoning regulations that discriminate against people with
disabilities, predatory lending practices that target communities of
color, and algorithmic redlining.
But
reversing the Trump Administration's attacks on civil rights isn’t
enough. The FHA protects against discrimination based on race, color,
national origin, religion, sex, familial status, and disability. To
start, I’ll make sure that HUD’s Office of Fair Housing and Equal
Opportunity, which has been gutted and undercut
by the Trump administration, is fully funded, staffed, and equipped to
robustly enforce the FHA - which is particularly critical for renters
with disabilities who make up the majority of discrimination complaints.
My affordable housing bill
would prohibit housing discrimination on the basis of sexual
orientation, gender identity, marital status, veteran status, and source
of income, like a housing voucher. Under a Warren Administration, HUD
will issue regulations to the greatest extent it can under the Fair
Housing Act to end housing discrimination against domestic violence
survivors, LGBTQ+ people, and based on tenants’ immigration status or
criminal records. I’ll fight for the Equality Act, which would
explicitly ban anti-LGBTQ+ discrimination in employment, housing,
healthcare, and public accommodations. I’ll also direct HUD to take on
chronic nuisance ordinances - local laws that push domestic violence survivors, especially Black women, and people with disabilities,
out of their homes. And I support immigration reform that’s consistent
with our values, including a pathway to citizenship for undocumented
immigrants - which would make them eligible for public housing
benefits.
I’ll
also create a national small dollar grant program to help make sure
families aren’t evicted because of financial emergencies. I
spent my career studying why families go broke — so I know that it’s all
too easy for a family to fall behind on rent after a surprise trip to
the emergency room or car repair. Massachusetts pioneered several
programs that provide small grants to help families facing a one-time
budget crunch, like the Homestart program, which provides grants of on average $700 and some wraparound services to help families avoid eviction. It’s been reported that 95%
of their eviction prevention program recipients remain in their homes
four years later. I’ll fight to scale this program up nationwide, likely
saving federal, state, and local governments money by helping families
stay out of emergency homeless shelters.
While
nobody should be homeless in America, we need to stop treating our
neighbors who are experiencing homelessness as criminals. All across the
country, cities and states make it illegal to live on the street, even
when there are fewer emergency shelter beds than people who need them - 34% of cities have city-wide bans on camping in public, 43% of cities prohibit sleeping in vehicles, and 9%
of cities even prohibit sharing food with homeless people. Even as the
affordable housing crisis deepens, pushing more people out of affordable
housing, these laws are spreading - just this month
the Las Vegas City Council voted to criminalize camping on downtown
streets. Enough is enough - it’s time to stop criminalizing poverty. My
Department of Justice will not fund efforts to criminalize homelessness
and will deny grant money to police departments who are arresting
residents for living outside.
I’ve also already committed to preventing and combating the epidemic of LGBTQ+ youth, transgender, and veterans homelessness. My LGBTQ+ rights plan
commits to reauthorizing and fully funding the Runaway and Homeless
Youth Act and to creating a LGBTQ+ youth homelessness prevention program
within the U.S. Interagency Council on Homelessness. And I will restore and strengthen the HUD Equal Access Rule,
reversing Ben Carson’s horrific proposal to allow shelters to
discriminate against transgender women – so if a trans women of color
loses her home, she doesn’t face widespread discrimination from homeless
shelters. My plan to support our veterans
calls to fully fund rapid re-housing and permanent supporting housing
through the Supportive Services for Veteran Families (SSVF) and HUD-VASH
programs and to create a new competitive grant program to provide
wrap-around services for veterans and their families. As we fight to end
homelessness and expand affordable housing, we won’t leave any groups
behind.
Tackling the growing cost of rent.
My Housing Plan for America
tackles the growing cost of rent at its root: a severe lack of
affordable housing supply and state and local land-use rules that
needlessly drive up housing costs. My plan would add more than 3 million new affordable housing units,
and I’ll commit to prioritizing a portion of these units to
particularly vulnerable groups like the chronically homeless, people
living with HIV, people with disabilities, seniors who want to age in
place, and people who have been incarcerated and are returning to the
community. My plan will bring down the rents by 10% nationwide and
make targeted investments in rural housing programs and in a new
Middle-Class Housing Emergency Fund to support the construction of new
housing for middle-class renters in communities with severe housing
supply shortages. My plan also invests $2.5 billion in the Indian
Housing Block Grant and the Native Hawaiian Housing Block Grant to build
or rehabilitate 200,000 homes on tribal land.
We’ll
also incentivize the elimination of costly zoning rules - like minimum
lot sizes or parking requirements - with a $10 billion new competitive
grant program that state and local government can use to build
infrastructure, parks, roads, or schools on the condition that they
reform land-use rules to allow for the construction of additional
well-located affordable housing units and to protect tenants from rent
spikes and eviction. And in doing all of this, my plan would create 1.5 million new jobs.
But we must do more. More than 30 states
have laws on the books that explicitly prohibit cities from adopting
rent control - and when tenants and communities fight to repeal those
laws, they’re met with fierce opposition from real estate and private
equity giants that have shelled out
massive amounts of money to block them. States shouldn’t be able to
suppress local innovation or stop towns and cities from adopting the
housing policies that best protect their residents. That’s why my administration will work to stop states from preempting local tenant protection laws, including rent control.
A Warren Administration will side with people over private equity. I’ll
condition the new affordable housing money from my Housing plan that
goes to states on repealing state laws that prohibit local rent control
laws and other tenant protections.
States and local governments across the country have adopted a number of different strategies to tackle rising rent costs. This year, Oregon and California became the first states to pass statewide rental control measures. From Maryland to Colorado,
communities across the country have been testing out the community land
trust model, to try to break the link between the cost of the land and
the private, speculative market. As
President, I’ll create an Innovation Lab in HUD to study strategies
that keep rents affordable such as rent control, multi-year leases,
zoning reform, and community land trusts, and share data on what works
and best practices. I’ll also bring together a commission of
federal, state, and local government officials, public housing
administrators, housing justice organizations, homelessness advocates,
and tenants’ unions to discuss affordability and strategies to address
it.
I’ll
direct HUD to recognize strategies that prevent gentrification and
displacement of long time communities as ways for meeting jurisdictions’
obligations under the Affirmatively Furthering Fair Housing rule. I’ll
also restore and improve the Small Area Fair Market Rent (SAFMR) rule, which the Trump administration has tried
to block. SAFMR sets the housing voucher amounts at the zip code level
rather than the metro level and promotes integration by allowing
vouchers to cover more in neighborhoods with higher rental costs. I’ll
also direct HUD to ensure that the shift does not reduce the number of
total housing units available to voucher holders, invest additional
resources and technical assistance to increase understanding of this
rule among public housing authorities (PHAs) and tenants, issue
additional guidance on setting payment standards, and make the
administrative plans by PHAs of the implementation of this rule publicly
available.
Invest in safe, healthy, and green public housing.
Today, about 2 million people nationwide live in 1.1 million public housing units — and too many are living in homes
with lead, rats and roaches, and black mold that jeopardize their
health. Tenants who receive HUD rental assistance are more likely to
suffer from chronic health conditions or go to an emergency room than other similarly situated renters. Children in these households are more likely to have asthma and face an acute risk of lead poisoning.
Public housing is also failing in meeting the needs of Section 8 eligible renters who have disabilities.
About 41%
of all public housing units are home to a disabled person, but only
about 3% of those units actually have accessibility features.
The federal government’s decision to scale back or not match inflation when funding public housing has resulted in a national public housing capital repair backlog of $70 billion, leading to inaccessible housing for people with disabilities and substandard living conditions.
Because units have been demolished or removed due to uninhabitable
conditions, the total number of public housing units has fallen by more
than 250,000 since the mid-1990s. And with a median public housing waiting list of 9 months, and in some cases, as long as 8 years, we can’t afford to lose a single unit.
As
climate change makes summer heat waves and winter cold snaps more
severe and disasters more frequent, the number of habitable units could
fall even further, and public housing across the country is at risk. Last winter, nearly 90%
of New York City Housing Authority units lost heat because of boiler
system breakdowns. Some of those same residents dealt with extreme heat
in the summer, which can be particularly dangerous to the elderly and
residents with disabilities. In Charleston, South Carolina, which is
facing rising sea levels, 7 of the PHA’s properties are only a few feet above the high tide level, and across the country, nearly half a million HUD-assisted housing units are in flood zones.
We must invest in safe, healthy, and green homes. I’ll start by repealing the Faircloth Amendment, which
has prohibited the use of federal funds for the construction or
operation of new public housing units with Capital or Operating Funds,
effectively capping the number of public housing units available at 1999
levels. I’ll
fight to completely close the national public housing capital repair
backlog, expand disability accessibility, and for 1:1 replacement of any
units that have to be removed or demolished. And I’ll fight for
investments in new public housing construction.
I’ll also update the rules of major federal housing funding programs, like the Low Income Housing Tax Credit,
Housing Trust Fund, Capital Magnet Fund, and Home Grant program, to
allow PHAs or other public institutions to use these funds to develop
properties and Section 811 PRA housing themselves and maintain public
ownership. Under current rules, states are required to contract with
private developers. With this change, PHAs and other public institutions
will also be able to benefit from the massive investment of my Housing
plan. Like
existing developments under these programs, these projects would be
subsidized to allow low-income tenants to live alongside market rate
tenants. And I’ll encourage PHAs to develop a participatory budgeting process with residents on how capital dollars are spent.
I believe that every renter has the right to a healthy home. I have called for retrofitting 4% of our existing building stock each year in my 100% Clean Energy for America
plan. I will ensure that public housing units and public schools are
prioritized for retrofitting because more efficient homes mean lower
energy bills, and the cost of energy should not hold any family back.
And I will work across federal agencies to eliminate toxic substances like mold and lead from all housing and drinking water sources
by investing in toxic mold removal, establishing a lead abatement grant
program to remediate lead in all federal buildings, and providing a
Lead Safety Tax Credit to incentivize landlords to invest in remediation
for their tenants. I’ll fully fund CDC’s environmental health programs
like the Childhood Lead Prevention program, and fully capitalize the
Drinking Water State Revolving Fund and the Clean Water State Revolving
Fund to ensure that nobody’s drinking water is poisoned because of
crumbling infrastructure. And I will immediately roll back the amended
timeline of the EPA draft rule on lead pipe replacement, which the Trump
administration has tried to relax from 13 to 33 years.
For all new affordable rental units, I will ensure that the project undergoes an environmental equity screen
during both the siting and construction phases so that we do not
continue to subject low-income communities to environmental racism
through our housing policies. I will direct the Department of Energy to
provide technical assistance to utilities to better support and
incentivize on-bill financing to further adoption of clean energy, no
matter the income, credit, or renter status of each customer.
And as we modernize our public housing units, we will build livable communities starting with a new Green Public Housing program that will create millions of jobs and provide climate smart housing. Because of the massive maintenance backlog in America’s public housing, and because the federal government hasn’t funded new public housing construction in decades, many public housing buildings
aren’t equipped to withstand the increasingly harsh realities of
climate change. I am a proud supporter of the Green New Deal for Public
Housing Act, which will create grant programs for public housing
authorities to conduct deep energy retrofits, prioritize workforce
development, upgrade the facilities' energy efficiency and water
quality, allow for community renewable energy generation, and encourage
recycling, community resiliency, and climate adaptation. My 100% Clean
Energy for America plan calls for all new commercial and residential
buildings to have zero carbon pollution by 2028, and this applies to any
new public housing development as well. Nobody should have to face
substandard living conditions, and through the Green Public Housing
program, we will ensure that we raise the standard of living for all
renters.
And I will make sure we’re supporting those who have been displaced by disaster. Renters are particularly vulnerable
in the wake of natural disasters. But for too long, renters have been
overlooked in government post-disaster response and recovery. That’s why
I introduced the Housing Survivors of Major Disaster Act, which
will require FEMA to work with HUD to immediately set up the Disaster
Housing Assistance Program (DHAP) for temporary rental assistance and
wraparound services to disaster survivors. This will also support those
who might not have residence documentation, to ensure renters without
leasing documents and people who are homeless have access to these
critical services.
Fight the exploitation of renters by corporate landlords.
Since the mortgage crisis, large private equity firms have become some of the country’s biggest landlords - a big win for Wall Street, but a huge loss for America’s renters. Take Blackstone, one of the largest private equity firms in the world. Since 2016, more than 600 complaints have been filed against Blackstone subsidiary Invitation Homes with the Better Business Bureau, and Invitation Homes is currently facing a class action lawsuit in California for subjecting tenants to excessive and illegal late fees.
The
problems extend to other private equity landlords too. Colony Capital,
the third-largest single family landlord in the country, evicted more than 30%
of tenants living in its Atlanta rentals. In Memphis, Firstkey Homes, a
property management company owned by Cerberus Capital Management, files
for eviction at twice the rate of other property managers.
We can’t keep letting these firms loot the economy to pad their own pockets while working families suffer. My plan to Rein in Wall Street
will hold private equity firms accountable and prevent private equity
funds from snatching up properties and dramatically raising rents,
allowing more people to stay in their homes. My Excessive Lobbying Tax will make it more costly for these firms to lobby against policies that protect renters.
But we can do more. I’ll
stop federal dollars from going to predatory landlords and lenders with
a long history of harassing tenants, forcing tenants to live in
dangerous or indecent conditions, or redlining our communities. I’ve already committed
to strict new requirements for Fannie Mae and Freddie Mac, limiting the
situations in which the agencies can sell mortgages and imposing new
requirements on Wall Street buyers to protect homeowners.
I’ll also direct the Federal Housing Administration to deny federal support to landlords that violate tenants’ rights. My
FHA will develop rules that prohibit federal agencies from insuring,
guaranteeing, or lending to landlords with a history of harassing
tenants, violating housing codes, unjust evictions, violating fair
housing law, or engaging in unconscionable rent increases. That means no
federal support for landlords that violate tenants’ rights — like Jared
Kushner’s family firm, which is under investigation for harassing tenants out of rent-stabilized homes.
I’ll
go further and allow all suits for violations of the Fair Housing Act
and Federal, state or local housing protections to reach to the private
equity firm and its general partners. After the housing crisis, private equity firms gobbled up hundreds of thousands of Real Estate Owned (REO) properties and troubled mortgages
from FHA, Fannie Mae, and Freddie Mac. In the years since, private
equity firms have expanded their portfolios in housing and have taken a
particularly aggressive position in the market for manufactured home parks. In the midst of the financial crisis,
private equity firms exploited legal loopholes and used shell companies
to ensure tenants were unable to get justice when they’re wronged and
removing all disincentive for abuse.
My
housing plan would end the pipeline of foreclosed homes from Federal
agencies to private equity firms, and My Wall Street plan allowed
extended liability for actions at a private equity portfolio company to
the private equity firm and its general partners in the case of a
government enforcement action.
I’ll rein in payday lenders who take advantage of renters. Payday lenders cluster in low-income areas, like around government-subsidized housing, and target communities of color. I’ve called out
the unscrupulous, exploitative practices for more than a decade. As
President, I’ll direct the CFPB to issue a comprehensive package of
regulations on payday lenders, including limiting the proximity of
payday lenders near public housing. I’ll call for Congress to repeal the
Dodd-Frank provision that prohibits the CFPB from capping interest
rates, empowering the CFPB to effectively regulate these bad actors.
And I’ll take on “land contracts” agreements, predatory loans that are frequently targeted at communities of color. Land contracts are high-interest loans
that are often marketed as a path to homeownership. Tenant-buyers make
payments towards a lender over a long period of time, and the lenders
that own the homes are only required to turn over legal title to the
home after the renter has completely paid it off. But homes — often
houses lost in the foreclosure crisis — can be in such bad condition
they’re basically uninhabitable, and the contracts shift the costs of
fixing them up away from banks and onto unsuspecting families.
Worse still, these contracts are built to fail: If tenants fall behind on these unregulated, high-interest loans, predatory lenders can seize the property
— and keep would-be buyers’ money — so they make it hard for families
to keep up with payments by inflating the prices, disguising debts, and
hiding unfair terms in the fine print of their land contracts. Predatory
lenders target communities of color
for land contracts, including the same families displaced by rising
rents. I’ll choose a CFPB Director committed to reigning in land
contracts.
Next, I’ll require large corporate landlords to publicly disclose data.
I’ll create a national public database of information about large
corporate landlords, by requiring them to report key data to HUD. The
database will include information like corporate landlords’ median rent,
the number and percentage of tenants they evicted, building code
violations, the most recent standard lease agreement used, and the
identity of any individuals with an ownership interest of 25% or more,
either directly or indirectly, in large landlords’ corporations, LLCs,
or similar legal entities. And I’ll direct HUD to study the impact that
these kinds of landlords have on local rental markets.
