{"id":192,"date":"2020-10-05T14:21:00","date_gmt":"2020-10-05T14:21:00","guid":{"rendered":"https:\/\/preprod.realtrends.com\/blog\/2020\/10\/05\/how-a-biden-presidency-could-impact-housing\/"},"modified":"2025-03-13T01:59:58","modified_gmt":"2025-03-13T01:59:58","slug":"how-a-biden-presidency-could-impact-housing","status":"publish","type":"post","link":"https:\/\/preprod.realtrends.com\/blog\/2020\/10\/05\/how-a-biden-presidency-could-impact-housing\/","title":{"rendered":"How a Biden Presidency Could Impact Housing"},"content":{"rendered":"<p style=\"vertical-align: middle;\"><em><span style=\"color: #414043;\">Presidential hopeful Joe Biden has offered insight into what his presidency might mean to housing. Here\u2019s a rundown.<\/span><\/em><\/p>\n<p><!--more--><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"color: black;\">What would a Biden presidency mean for the residential housing industry? While housing issues haven\u2019t received much national press attention in the presidential race, some information can be gleaned from the Obama presidency\u2019s housing record and from Biden\u2019s $640 billion housing plan unveiled by his campaign during the Democratic primaries. Here are some ways that a Biden win could affect homebuyers and homeowners:<\/span><span style=\"color: black;\">&nbsp;<\/span><\/p>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">Affordable Housing<\/span><\/strong><\/p>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> A First-Time Homebuyer Tax Credit: <\/span><\/strong><span style=\"color: black;\">The Biden housing plan aims to give families buying their first homes a downpayment tax credit of up to $15,000. Homebuyers would receive the tax credit when they make the purchase instead of waiting to receive the assistance when they file taxes the following year.&nbsp;&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle; margin-top: 0in; margin-right: 0in; margin-bottom: 4.5pt;\"><strong><span style=\"color: black;\"> Housing Benefits for Public School Teachers, First Responders and other Public Service Workers: <\/span><\/strong><span style=\"color: black;\">Under the housing plan, eligible homebuyers would receive downpayment assistance and discounted home prices if they buy and move into homes either in struggling, lower-income neighborhoods or in pricier communities that don\u2019t offer more reasonably-priced housing.<\/span>&nbsp;<\/li>\n<\/ul>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">Fannie Mae and Freddie Mac (the GSEs)<\/span><\/strong><\/p>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> An End to Privatization Plans: <\/span><\/strong><span style=\"color: black;\">President Trump\u2019s plan for Fannie Mae and Freddie Mac to rebuild capital, leave government conservatorship and level the playing field between government-sponsored enterprises (GSEs) and the private-label securitization market likely would not survive in a Biden administration. Instead, Fannie and Freddie would remain under government control with an expanded affordable housing mandate.<\/span><\/li>\n<\/ul>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">Fair Lending and Racial Discrimination<\/span><\/strong><\/p>\n<ul>\n<li style=\"vertical-align: middle;\"><span style=\"color: black;\"><\/span><strong><span style=\"color: black;\"> A Return to the Disparate Impact Theory: <\/span><\/strong><span style=\"color: black;\"> The Trump administration has been <a href=\"https:\/\/www.politico.com\/story\/2018\/05\/08\/trump-obama-racial-bias-522940\">rolling back<\/a> the Obama administration\u2019s extensive use of the disparate impact theory in housing and financial services enforcement, under which a policy or program can be found to be discriminatory if it has a disproportionate <em>effect<\/em> on a protected class even if the defendant did not <em>intend<\/em> to discriminate. The Trump administration\u2019s changes would likely be reversed in a Biden administration.<\/span>&nbsp;<\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> A New Public Credit Reporting Agency:<\/span><\/strong><span style=\"color: black;\"> Biden\u2019s plan would create a new public credit reporting agency within the Consumer Financial Protection Bureau (CFPB) to provide a government credit reporting option that seeks to minimize racial disparities by accepting non-traditional sources of data like rental history and utility bills.&nbsp;&nbsp;<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> An Expanded Community Reinvestment Act: <\/span><\/strong><span style=\"color: black;\">The plan would expand the Community Reinvestment Act to apply to mortgage and insurance companies and add a requirement for financial services institutions to provide a statement outlining their commitment to the public interest.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> A Reinstated Affirmatively Furthering Fair Housing Rule: <\/span><\/strong><span style=\"color: black;\">The Trump administration terminated the Obama administration\u2019s Affirmatively Furthering Fair Housing Rule, which required communities receiving federal funding to create plans to identify and eliminate housing discrimination in their localities and to encourage the building of more affordable single-family housing and apartment buildings. Biden has promised to reinstate the rule if elected.<\/span>&nbsp;<\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> A National Standard for Housing Appraisers:<\/span><\/strong><span style=\"color: black;\"> Biden\u2019s campaign has said that he would create a national standard for housing appraisals, to ensure that appraisers do not hold implicit biases due to a lack of community understanding and to make it harder for financial institutions to pressure appraisers to their benefit. It points to a 2018 Brookings Institution study finding that homes of similar quality and with similar amenities were appraised for 23% less in majority-black neighborhoods than in neighborhoods with few black residents.<\/span><\/li>\n<\/ul>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">State and Local Taxes<\/span><\/strong><\/p>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> Increased or Eliminated Cap on Deductions: <\/span><\/strong><span style=\"color: black;\">House Democrats have sought to either increase or eliminate the $10,000 cap on deductions of state and local taxes imposed in the Tax Cuts and Jobs Act of 2017. In a Democratic-controlled Congress and presidency, one or the other would likely be accomplished.<\/span><\/li>\n<\/ul>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">The Consumer Financial Protection Bureau (CFPB) <\/span><\/strong><\/p>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> A New CFPB Director: <\/span><\/strong><span style=\"color: black;\">In light of the U.S. Supreme Court\u2019s recent ruling in <em>Seila Law v. CFPB<\/em> that the CFPB\u2019s single-director leadership structure is unconstitutional because the president can only remove the director for cause, Biden would be expected to replace current CFPB Director Kathy Kraninger with his own director before her five-year term expires in December 2023.<\/span>&nbsp;<\/li>\n<\/ul>\n<ul>\n<li style=\"vertical-align: middle;\"><strong><span style=\"color: black;\"> CFPB Enforcement:<\/span><\/strong><span style=\"color: black;\"> Former CFPB Director Richard Cordray, an Obama appointee, was known for capturing headlines with his aggressive enforcement of federal consumer protection statutes. While current Director Kathy Kraninger has not been reluctant to pursue clear-cut violations of the law, legal observers anticipate a return to well-publicized enforcement actions involving large civil money penalties if Biden wins the election.<\/span>&nbsp;<\/li>\n<\/ul>\n<p style=\"vertical-align: middle;\"><strong><span style=\"color: #004181;\">Summary<\/span><\/strong><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"color: black;\">Some of Biden\u2019s housing initiatives could be accomplished through executive actions, while others would involve congressional passage and funding\u2014so the fruition of many of his proposals not only depends on the outcome of the presidential election, but on whether the Democrats can gain control over both houses of Congress. <\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"color: black;\">For a look at the Democratic platform on independent contractors and franchisor-franchisee business relationship, go to <strong><a href=\"https:\/\/preprod.realtrends.com\/blog\/blog\/comparing-republican-and-democratic-platforms-on-real-estate-industry-impacts\">https:\/\/preprod.realtrends.com\/blog\/blog\/comparing-republican-and-democratic-platforms-on-real-estate-industry-impacts<\/a>.<\/strong><\/span><\/p>\n<p style=\"vertical-align: middle;\"><span style=\"color: black;\"><br \/><em>Sue Johnson is the former executive director of RESPRO, the Real Estate Services Providers Council Inc. She retired in 2015 and is now a strategic alliance consultant.<\/em> <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Presidential hopeful Joe Biden has offered insight into what his presidency might mean to housing. Here\u2019s a rundown.<\/p>\n","protected":false},"author":15802,"featured_media":4822,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3255],"tags":[],"coauthors":[],"class_list":["post-192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.4 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How a Biden Presidency Could Impact Housing<\/title>\n<meta name=\"description\" content=\"How a Biden Presidency Could Impact Housing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/preprod.realtrends.com\/blog\/2020\/10\/05\/how-a-biden-presidency-could-impact-housing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How a Biden Presidency Could Impact Housing\" \/>\n<meta property=\"og:description\" content=\"How a Biden Presidency Could Impact Housing\" \/>\n<meta property=\"og:url\" content=\"https:\/\/preprod.realtrends.com\/blog\/2020\/10\/05\/how-a-biden-presidency-could-impact-housing\/\" \/>\n<meta property=\"og:site_name\" content=\"RealTrends - 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Velt","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/preprod.realtrends.com\/blog\/#\/schema\/person\/image\/9b3cf1be6b1fb876ab0bd60ce0a485d0","url":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae51367450666ac65e816c5ed48f71a6aebe0ed43ea74c1f16500d37c0efc141?s=96&d=mm&r=g","caption":"Tracey Velt"},"description":"Tracey Velt is the Senior Director of Data &amp; Content. She is the host of the popular RealTrending podcast, manages content for the real estate team and The Gathering and leads editorial and sponsored research across the HW Media brands. Tracey has more than 25 years of experience writing and editing for the real estate industry and is the former editor in chief of Florida Realtor magazine. 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