By ALANNA DURKIN RICHER, COLLEEN LONG, MICHAEL BALSAMO and ZEKE MILLER, Associated Press

WASHINGTON (AP) — The FBI said Donald Trump was the target of “what appears to be an attempted assassination” at his golf club in West Palm Beach, Florida, on Sunday, just nine weeks after the Republican presidential nominee survived another attempt on his life. The former president said he was safe and well.

Palm Beach County Sheriff Ric Bradshaw said the U.S. Secret Service agents fired at a man pointing an AK-style rifle with a scope as Trump was on the course. Bradshaw said the gunman also had two backpacks hanging on a fence and a GoPro camera, and that he was about 400 yards to 500 yards away from Trump and hiding in shrubbery while the former president played golf on a nearby hole. The person dropped the weapon and fled in an SUV, and was later taken into custody in a neighboring county.

The man who authorities say pointed the rifle and was arrested is Ryan Wesley Routh, three law enforcement officials told The Associated Press. The officials identified the suspect to the AP but spoke on the condition of anonymity because they were not authorized to discuss the ongoing investigation. Authorities are working to determine a motive.

The incident was the latest jarring moment in a campaign year marked by unprecedented upheaval. It occurred roughly two months after Trump was shot during an assassination attempt at a rally in Pennsylvania, and a bullet grazed his ear. Only a week later, President Joe Biden withdrew from the race.

In an email to supporters, Trump said: “There were gunshots in my vicinity, but before rumors start spiraling out of control, I wanted you to hear this first: I AM SAFE AND WELL!”

“Nothing will slow me down. I will NEVER SURRENDER!” he said.

The golf course was partially shut down for Trump as he played, and agents were a few holes ahead of him when they noticed the person with the firearm, Bradshaw said. There are several areas around the perimeter of the property where golfers are visible from the fence line. Secret Service agents and officers in golf carts and on ATVs generally secure the area several holes ahead and behind Trump when he golfs. Agents also usually bring an armored vehicle onto the course to quickly shelter Trump should a threat arise.

Trump had returned to Florida this weekend from a West Coast swing that included a Friday night rally in Las Vegas and a Utah fundraiser. His campaign had not advised Trump’s plans for Sunday. He often spends the morning playing golf, before having lunch at the club, one of three he owns in the state.

He has had a stepped-up security footprint since the assassination attempt in July. When he has been at Trump Tower in New York, a lineup of dump trucks have parked in a wall outside the building. And at outdoor rallies, he now speaks from behind an enclosure of bulletproof glass.

Trump was returned Sunday to his private Mar-a-Lago club, where he resides in neighboring Palm Beach, according to a person familiar with the matter.

The White House said President Joe Biden and Vice President Kamala Harris, the Democratic presidential nominee, had both been briefed and would be kept updated on the investigation. The White House added they were “relieved” to know Trump is safe.

Harris, in a statement said she was “glad” Trump was safe, adding that “violence has no place in America.”

In an X post, Sen. Lindsey Graham, R-S.C, one of Trump’s top congressional allies, said he had spoken with Trump after the incident and that Trump was in “good spirits” and was “one of the strongest people I’ve ever known.”

Martin County Sheriff William D. Snyder said the suspect was apprehended within minutes of the FBI, Secret Service and Palm Beach County Sheriff’s Office putting out a “very urgent BOLO” — or “be on the lookout” alert” detailing the specific vehicle sought, license plate number and occupant description.

Snyder said his deputies “immediately flooded” northbound I-95, deploying to every exit between the Palm Beach County line to the south and St. Lucie County line o the north.

“One of my road patrol units saw the vehicle, matched the tag and we set up on the vehicle,” Snyder said, “We pinched in on the car, got it safely stopped and got the driver in custody.”

Snyder told WPTV that the suspect “was not armed when we took him out of the car.”

The man had a calm, flat demeanor and showed little emotion when he was stopped by police, Snyder said, saying the suspect did not question why he was being pulled over.

“He never asked, ‘what is this about?’ Obviously, law enforcement with long rifles, blue lights, a lot going on. He never questioned it,” Snyder said.

Attorney General Merrick Garland has been briefed on the situation and is receiving regular updates about it, a Justice Department spokeswoman said.

The post by the Martin County Sheriff’s Office indicated the suspect was apprehended near Palm City, Florida, about a 45-mile drive north of Trump’s golf course. Northbound lanes of I-95 were shut down, the sheriff’s office said.

A message sent to campaign officials seeking information on the security status and location of Ohio Sen. JD Vance, Trump’s running mate, was not immediately returned.

Max Egusquiza, of Palm Beach, described the emergency response outside Trump’s West Palm Beach golf course.

“From what I saw 5 black unmarked SUVs blocked in a grey Mercedes in front of the golf course. There were about 20 or more cop cars flying from nearby streets,” he said.

Trump is supposed to speak about cryptocurrency live Monday night on the social media site X for the launch of his sons’ crypto platform. He’s expected to do that from his Mar-a-Lago resort in Florida. The former president is scheduled to return to the campaign trail on Tuesday for a town hall in Flint, Michigan with his former press secretary, Arkansas Governor Sarah Huckabee Sanders, followed by a campaign rally in New York on Long Island on Wednesday.

At the end of the week, he’s scheduled to attend and address the Israeli-American Council National Summit in Washington, D.C. and on Saturday hold a rally in Wilmington, North Carolina.

Associated Press writers Jill Colvin and Michael R. Sisak in New York, Meg Kinnard in Columbia, South Carolina and Lindsay Whitehurst contributed to this report.

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By ALEXA ST. JOHN and MELINA WALLING, Associated Press

Amid a barrage of climate-infused weather disasters such as flooding and hurricanes, along with the shattering of heat records,wildfires and many Americans growing concerned about the planet’s warming, climate change was barely discussed during the presidential debate.

When asked the sole debate question on climate Tuesday night, Vice President Kamala Harris said, “young people of America care deeply about this issue,” and added that the United States has increased domestic production of oil to historic highs, a fact that will contribute to global warming. Harris’ opponent, former President Donald Trump, didn’t answer the question, instead saying incorrectly that the administration of President Joe Biden and Harris is “building big auto plants in Mexico, in many cases owned by China.”

While climate was not front and center, statements made by both candidates — on fracking, energy policy and renewables, provided windows into major climate policy issues. What to know about key climate topics covered — and not covered — during Tuesday’s debate.

Fracking

Fracking, or hydraulic fracturing, is a drilling method used to extract oil and natural gas from deep underground bedrock using a highly pressurized liquid. The technique is part of what allowed the U.S. to become the world’s top producer of oil. As of March, the country produced more crude oil than any nation ever for the past six years, according to the Energy Information Administration.

On Tuesday, Trump falsely said about Harris: “If she won the election, fracking in Pennsylvania will end on Day 1,” arguing that her administration would harm the state and nation’s economy. Without a law approved by Congress, a president can only ban fracking on federal lands, which make up about 2% of the state of Pennsylvania, where the debate took place.

Harris said during her 2020 campaign for president that she opposed fracking. But lately, including during the debate, Harris said she would not ban the practice if she is elected. Though Harris said her values have not changed, the discussion of fracking was notable because the drilling method does not align with efforts to switch to clean energy, which Harris also says she champions.

Oil and natural gas are fossil fuels, the burning of which produce greenhouse gases such as carbon dioxide and methane that warm the planet.

Energy policy

During the debate, Harris also called for investment in “diverse” sources of energy, “so we reduce our reliance on foreign oil.”

After Trump pulled the U.S. from the Paris Agreement on climate change during his first term, the Biden-Harris administration reentered the global pact aimed at reducing emissions. The administration also set a target to slash U.S. emissions 50% by 2030 and put forth policy to accelerate clean energy projects and shift away from fossil fuels.

The Bipartisan Infrastructure Law, passed in 2021, has provisions related to climate change, and the 2022 Inflation Reduction Act is the most sweeping climate law in the nation’s history, pouring billions of dollars into the clean energy workforce that has prompted a massive buildout of manufacturing facilities. It includes production tax credits for electricity produced from renewables, including wind and solar.

But these policies alone won’t be enough for the U.S. to reach its goal of cutting carbon pollution in half, nor do they stop the fossil fuel industry from having opportunities to expand on federal lands before renewables can be built.

Renewable energies

During the debate, Trump falsely claimed that under Harris there would “be no fossil fuels” and the country would “go back to windmills.” At one point, Trump called himself a “fan” of solar but then criticized solar farms that take up large plots of land.

Solar power can be generated on a large or small scale, but even the largest solar farms use a tiny fraction of the land used for agriculture in the U.S. Experts say wind and solar, both clean energies, will be key to tackling the greenhouse gas emissions that are fueling the climate crisis, causing substantial damages to humans and ecosystems alike.

Last year, 30% of the world’s electricity was produced with renewables and the U.S. has committed to tripling renewables by 2030 in order to do its part in addressing climate change.

Some key issues not discussed

Permitting of new energy projects in the U.S. has not gotten much attention throughout the election cycle, but it’s important because it can make or break the nation’s ability to meet clean energy targets.

Wind and solar power can contribute millions of dollars in tax revenue per year to rural communities, an Associated Press analysis found. But first those projects have to get approved in local governments, a process out of the federal government’s control. Misinformation runs rampant, and communities can turn against those projects.

For instance, wind developers told the Lawrence Berkeley National Laboratory in a January report at least a quarter of applications to build wind projects were canceled in the last five years, with local rules and community opposition cited as some of the leading reasons.

Meanwhile, during the debate, insurance only got a brief mention by Harris, as part of a dig at Trump.

“The former president has said that climate change is a hoax,” she said. “And what we know is that it is very real. You ask anyone who lives in a state who has experienced these extreme weather occurrences, who now is either being denied home insurance or it’s being jacked up.”

Residents living in areas prone to disasters like flooding and wildfires are having a hard time getting insurance at all, and federal policies may force people to pay more, an AP review found.

Electric vehicles also got little attention Tuesday, though Trump raised the idea of all critical minerals coming from China, which would include lithium and nickel. China currently dominates global EV battery production. Though EVs can run on clean electricity, mining for their batteries is an environmental and human rights concern.

Biden has created U.S. tax credits for EV purchases. While Trump has said the current administration’s efforts have resulted in an EV “mandate,” that is not true. Automakers do have to sell some electric vehicles to meet Environmental Protection Agency standards, but those regulations can also be met with more fuel-efficient gasoline-powered cars.

___

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By PATRICK AFTOORA ORSAGOS, JULIE CARR SMYTH AND ELLIOT SPAGAT, Associated Press

SPRINGFIELD, Ohio (AP) — Many cities have been reshaped by immigrants in the last few years without attracting much notice. Not Springfield, Ohio.

Its story of economic renewal and related growing pains has been thrust into the national conversation in a presidential election year — and maliciously distorted by false rumors that Haitian immigrants are eating their neighbors’ pets. Donald Trump amplified those lies during Tuesday’s nationally televised debate, exacerbating some residents’ fears about growing divisiveness in the predominantly white, blue-collar city of about 60,000.

At the city’s Haitian Community Help and Support Center on Wednesday, Rose-Thamar Joseph said many of the roughly 15,000 immigrants that arrived in the past few years were drawn by good jobs and the city’s relative affordability. But a rising sense of unease has crept in as longtime residents increasingly bristle at newcomers taking jobs at factories, driving up housing costs, worsening traffic and straining city services.

“Some of them are talking about living in fear. Some of them are scared for their life. It’s tough for us,” Joseph said.

A “Welcome To Our City” sign hangs from a parking garage downtown, where a coffee shop, bakery and boutique line the main drag, North Fountain Street. A flag advertising “CultureFest,” which the city describes as an annual celebration of unity through diversity, waves from a pole nearby.

Melanie Flax Wilt, a Republican commissioner in the county that holds Springfield, said she has been pushing for community and political leaders to “stop feeding the fear.”

“After the election and everybody’s done using Springfield, Ohio, as a talking point for immigration reform, we are going to be the ones here still living through the challenges and coming up with the solutions,” she said.

Ariel Dominique, executive director of the Haitian American Foundation for Democracy, said she laughed at times in recent days at the absurdity of the false claims. But seeing the comments repeated on national television by the former president was painful.

“It is so unfair and unjust and completely contrary to what we have contributed to the world, what we have contributed to this nation for so long,” Dominique said.

The falsehoods about Springfield’s Haitian immigrants were spread online by Trump’s running mate, JD Vance, on the eve of Tuesday’s debate between Trump and Vice President Kamala Harris. It’s part of a timeworn American political tradition of casting immigrants as outsiders.

“This is what’s happening in our country. And it’s a shame,” Trump said at the debate after repeating the falsehoods. When challenged by ABC News moderator David Muir over the false claims, Trump held firm, saying “people on television” said their dogs were eaten, but he offered no evidence.

Officials in Springfield have tried to tamp down the misinformation by saying there have been no credible or detailed reports of any pets being abducted or eaten. State leaders are trying to help address some of the real challenges the city faces.

Ohio Gov. Mike DeWine, a Republican, said Tuesday he would add more law enforcement and health care resources to an aid package the state has already provided to Springfield.

Many Haitians have come to the U.S. to flee poverty and violence. They have embraced President Joe Biden’s new and expanded legal pathways to enter, and have shunned illegal crossings, accounting for only 92 border arrests out of more than 56,000 in July, the latest data available.

The Biden administration recently announced an estimated 300,000 Haitians in the U.S. could remain in the country at least through February 2026, with eligibility for work authorization, under a law called Temporary Protected Status. The goal is to spare people from being deported to countries in turmoil.

Springfield, about 45 miles from the state capital of Columbus, suffered a steep decline in its manufacturing sector toward the end of the last century, and its population shrank as a result. But its downtown has been revitalized in recent years as more Haitians arrived and helped meet the rising demand for labor as the economy emerged from the pandemic. Officials say Haitians now account for about 15% of the population.

The city was shaken last year when a minivan slammed into a school bus, killing an 11-year-old boy. The driver was a Haitian man who recently settled in the area and was driving without a valid license. During a city commission meeting on Wednesday, the boy’s parents condemned politicians’ use of their son’s death to stoke hatred.

On Sept. 6, a post surfaced on the social media platform X that shared what looked like a screengrab of a social media post apparently out of Springfield. The post talked about the person’s “neighbor’s daughter’s friend” seeing a cat hanging from a tree to be butchered and eaten, claiming without evidence that Haitians lived at the house. It was accompanied by a photo of a Black man carrying what appeared to be a goose by its feet.

On Monday, Vance posted on X “Reports now show that people have had their pets abducted and eaten by people who shouldn’t be in this country. Where is our border czar?” The next day, he posted again on X about Springfield, saying his office had received inquiries from residents who said “their neighbors’ pets or local wildlife were abducted by Haitian migrants. It’s possible, of course, that all of these rumors will turn out to be false.”

With its rising population of immigrants, Springfield is hardly an outlier. So far this decade, immigration has accounted for almost three-quarters of U.S. population growth, with 2.5 million immigrants arriving in the United States between 2020 and 2023, according to the U.S. Census Bureau. Population growth is an important driver of economic growth.

“The Haitian immigrants who started moving to Springfield the last few years are the reason why the economy and the labor force has been revitalized there,” said Guerline Jozef, executive director of the Haitian Bridge Alliance, which provides legal and social services to immigrants across the U.S.

She said Haitian clients in Springfield have told her that, out of fear, they are now considering leaving the city.

Spagat reported from San Diego. Associated Press writer Michael Schneider in Orlando, Florida, and Noreen Nasir in New York, contributed.

By The Associated Press

WASHINGTON (AP) — Kamala Harris and Donald Trump said as much with their faces as they did with their words during Tuesday’s debate.

With their microphones muted unless it was their turn to speak, according to the debate rules, body language took on outsized importance for Harris and Trump.

Harris in particular leaned into the nonverbal communication, keenly aware that her every reaction was being broadcast to the world, “speaking” to the audience even while Trump ostensibly had the floor. Networks showed a split screen with both candidates for most of the debate.

At various points she looked amused or befuddled by whatever Trump was saying, as if w ordlessly saying he was lying. A few times she dramatically put her fingers under her chin, eyes wide, head tilted. Other times she laughed.

Trump sometimes scowled, sometimes smiled curtly. His eyes flashed anger or annoyance, perhaps even boredom at times. He rarely looked at Harris while she spoke, instead pointing his face forward toward the cameras or ABC News moderators.

When the candidates did have the floor, Trump and Harris both gesticulated with their hands, mannerisms that are by now familiar to Americans who’ve spent a lot of time watching them.

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By ADRIANA GOMEZ LICON and BILL BARROW Associated Press

NEW YORK (AP) — Donald Trump emerged Wednesday from a rocky debate against Kamala Harris looking to regain his footing with 54 days until Election Day, the first ballots already going out in Alabama and other states on the cusp of early voting.

Not even three months ago, Trump stepped off the debate stage in Atlanta having watched President Joe Biden deliver a disjointed, whispery performance that eventually led the 81-year-old Democrat to end his reelection bid and endorse Harris, his vice president. By the end of Tuesday night, it was the 78-year-old Trump on the defensive after the 59-year-old Harris controlled much of the debate, repeatedly baiting the Republican former president into agitated answers replete with exaggerations and mistruths.

“We’ll see what the polls say going forward, but I don’t know how anybody can spin this other than a pretty decisive defeat for Trump,” former Rep. Charlie Dent, a Pennsylvania Republican who has long been critical of Trump, said Wednesday on CNN.

Harris’ campaign immediately pitched the idea of a second debate. Fox News has proposed an October matchup but with moderators that Trump has indicated he does not prefer. And he said via his Truth Social account Wednesday that there is no need for a second round,

“In the World of Boxing or UFC, when a Fighter gets beaten or knocked out, they get up and scream, “I DEMAND A REMATCH, I DEMAND A REMATCH!” Well, it’s no different with a Debate,” Trump wrote, as he claimed victory. “She was beaten badly last night … so why would I do a Rematch?”

Trump and Harris were together briefly Wednesday in New York, where they joined President Biden and other dignitaries to mark the 23rd anniversary of the Sept. 11 attacks on the World Trade Center. They shook hands for the second time in 12 hours, with the first coming when Harris approached Trump on the debate stage to introduce herself in the first sign of the aggressive approach she would take during the event.

The former president, who flouted convention with a surprise appearance late Tuesday in the post-debate spin room, continued to insist he had won the night, though he also blasted ABC moderators as unfair. It was a tacit acknowledgement that he did not accomplish what he wanted against Harris.

Trump and some of his allies in online posts speculated about punishing ABC by taking away its broadcast license — the network doesn’t need a license to operate but individual stations do — or denying access to its reporters in the future.

“We had a great night. We won the debate. We had a terrible, a terrible network,” Trump said Wednesday on Fox News. “They should be embarrassed. I mean they kept correcting me and what I said was largely right or I hope it was right.”

Yet his framing of the debate results does not square with the broad consensus of political commentators, strategists on both sides of the political aisle and some immediate assessments by voters who watched Tuesday night. But there is also evidence that the debate did not immediately yield broad shifts among people who watched.

About 6 in 10 debate-watchers said that Harris outperformed Trump, while about 4 in 10 said that Trump did a better job, according to a flash poll conducted by CNN. Before the debate, the same voters were evenly split on whether Trump or Harris would win.

The vast majority of debate-watchers — who do not reflect the views of the full voting public — also said that the event wouldn’t affect their votes in the election. Perceptions of the two candidates remain largely unchanged.

Harris was jubilant late Tuesday, telling late-night rallygoers in Philadelphia that it was a “great night,” even as she repeated that she sees Democrats as “underdogs” against Trump. She won the endorsement of music and cultural icon Taylor Swift.

Republican Gov. Chris Sununu of New Hampshire was more charitable to Trump than some, allowing that Harris won by traditional debate standards but fell short in convincing swing voters focused on their economic conditions.

“The majority of those swing voters are still results driven,” Sununu said on CNN, adding that Trump still has opportunities to sway voters on the economy, immigration and, especially, foreign policy.

That view was certainly the Republican messaging on Capitol Hill, where the GOP is trying to maintain its fragile House majority and take advantage of a friendly slate of Senate contests to flip control of that chamber.

“Undecided voters’ biggest concern about Kamala Harris heading into the debate was the fact that they don’t know where she stands on any issues because of her constant flip flops,” said Mike Berg, the communications director for the National Republican Senatorial Committee, the Senate GOP’s campaign arm. “I don’t think she did anything to fix those concerns.”

Jack Pandol, the communications director for the National Republican Congressional Committee handling the House races said, Harris “still refuses to tell voters what she will do as president.”

Yet even on that score, Trump handed Democrats a cudgel with his answers on health. After twice running for president on promises of repealing and replacing the Affordable Care Act, commonly called “Obamacare,” Trump falsely insisted that he saved the 2010 law. At the same time, Trump stood by his long-standing promises to replace the law with something better but when pressed acknowledged that he still had not specific proposal.

“I have concepts of a plan,” Trump said in a remark that become quick fodder for online memes and merchandise.

Dent, the Pennsylvania Republican, said that answer tracked with how Trump approached the issue during his four years as president. “He would only say ‘we’re going to cover everybody, it’s going to cost less, and it’s going to be beautiful,’’ Dent recalled in his CNN appearance. “There was never any policy to back it up. He just didn’t care about its impact on people.”

Sununu, meanwhile, offered perhaps the most revealing assessment of where Trump stands after the debate. It was not what Sununu said about Trump himself, but about another Republican the governor originally supported in the 2024 primaries: former Ambassador Nikki Haley, who was the last GOP candidate standing against Trump and continued garnering support in primaries weeks after she dropped out of the race.

“Imagine what Nikki would have done in that debate,” Sununu said. “It would have been great.”

Barrow reported from Atlanta. AP Polling Editor Amelia Thomson-Deveaux, Associated Press writer Michelle L. Price and AP Congressional Correspondent Lisa Mascaro in Washington contributed to this report.

Andrew Dehan | (TNS) Bankrate.com

The housing market has an affordability problem. During the pandemic, historically low mortgage rates boosted demand, driving home prices to record highs. After decades of underbuilding, construction labor shortages and rising material costs, the supply shortage continues to push homeownership further out of reach. To afford the typical home today, Americans need at least a six-figure salary, according to a Bankrate study.

While the housing market typically isn’t moved by presidential elections, both Vice President Kamala Harris and former President Donald Trump have weighed in with varying proposals. While these would need approval in Congress to move forward, here’s what we know about their plans so far, and what the experts think.

Affordable housing

Vice President Harris has shared plans for 3 million new housing units over the next four years, spurred by a tax break incentivizing home builders to create more starter homes. She has also proposed up to $25,000 in down payment assistance for eligible first-time homebuyers, along with restrictions on how landlords determine rent increases and limits on tax breaks for institutional investors who buy single-family homes.

It’s unclear if such plans would work. The rent cap, for example, could have unintended consequences, says Mark Hamrick, Washington bureau chief and senior economic analyst for Bankrate.

“Price controls including constraints on rent can have the impact of limiting supply which, in turn, can exacerbate the problem,” Hamrick says. “Who wants to build or own if they’re constrained from setting prices?

Meanwhile, former President Trump has suggested opening tracts of federal land for housing development, removing restrictive regulations on homebuilding and addressing supply chain disruptions.

“Almost 25% of the cost of a newly constructed single-family home is embedded in regulations at all three levels of government,” says Jim Tobin, president and CEO of the National Association of Home Builders (NAHB), which lobbies on behalf of pro-business and pro-housing candidates. For a multifamily unit, that share is closer to 43%.

Though Trump hasn’t yet detailed how he’d reduce regulations, his past tenure could hint at what might come. In his first term, he signed into law the Tax Cuts and Jobs Act (TCJA), which included a lower corporate tax rate and a provision creating Opportunity Zones to encourage investment in lower-income areas.

“Changes in tax policy, if significant, could have a variety of impacts on the economy and the housing market, in particular,” Hamrick says. “A lower corporate tax rate could stimulate housing activity, boost investment and potentially lead to increased housing market activity. Among the potential ripple effects could be a rise in construction, more supply and lower home prices.”

On the flip side, a higher corporate tax rate could have the inverse effect, Hamrick says. Home builders could scale back activity or pass the higher costs onto homebuyers.

“Former President Trump said he wants to lower the C corp rate,” says Bill Kilmer, senior vice president of Legislative and Political Affairs at the Mortgage Bankers Association (MBA), which represents the housing finance industry. “I imagine that, like the Biden budget proposal, Vice President Harris would want to raise the corporate rate as a means of revenue to pay for some other priorities.”

Fannie Mae and Freddie Mac

In his first term, Trump zeroed in on Fannie Mae and Freddie Mac, the two government-sponsored enterprises (GSEs) underpinning the U.S. housing finance system. In the wake of the 2008 housing crisis, Fannie and Freddie were placed under government conservatorship to help stabilize the market.

Trump has advocated for taking the GSEs out of conservatorship, which could lead to more competition — in other words, more options — in the mortgage market and minimize taxpayer exposure, Kilmer of the MBA says.

It could also raise mortgage costs, says Chen Zhao, senior manager of Economics at real estate brokerage Redfin.

“When Fannie and Freddie were in trouble, there was this question of, ‘Is there an applied guarantee from the federal government for these mortgage-backed securities (MBS)?’ And the answer turned out to be yes, because the government basically just took them over,” Zhao says. “But once you introduce that question mark about whether or not the MBS are guaranteed, it means that rates have to trade for a little bit higher in order to account for that additional risk.”

For her part, Harris has pointed to a 2015 Moody’s study that found privatizing Fannie and Freddie would add approximately $1,200 a year to the cost of a typical mortgage. ​​

“(Harris) really wants (the GSEs) as permanent, sponsored entities with those professional charters to lean in more to the mission side of their charter and their affordable housing mandate,” Kilmer says. “Not just their goals, but also sort of what they can be doing to increase supply and affordability.”

Immigration

Trump has indicated that, if reelected, he plans to deport millions of undocumented immigrants — a move his campaign has said would help lower housing costs.

Yet, approximately 20% of the construction labor force — residential and otherwise — is immigrant labor, according to Tobin of the NAHB.

“The construction industry has struggled with lack of labor supply for years,” Hamrick says.

“The thing about the recent wave of immigrants is that they don’t demand a lot of housing, actually, because they are either housed in public housing or they’re housing with relatives or friends,” Zhao says. “So, there’s not a lot of net housing demand that’s being added.”

Harris has shifted her stance on immigration — circling back to investing in the southern border wall — but continues to oppose mass deportations. During the Democratic National Convention in August, Democrats touted solutions to expanding legal entry and paths to citizenship.

“We’ve got to find a way to create a visa system for immigrants who want to work in the construction sector, to come into this country under a visa and work in our sector,” Tobin says. “We’re hopeful that the next President of the United States will lead into that and solve that problem.”

Interest rates

Trump has also suggested he would lower interest rates if reelected — but the Federal Reserve, not the president, sets monetary policy, and the Fed operates independently of who sits in the Oval Office.

“History has shown that in countries where politics infects monetary policy, it is less effective,” Hamrick says. “Translated, that means there’s a higher risk of inflation when heads of state or government try to muscle their central banks.”

Harris has said she wouldn’t interfere with the Fed, but rather focus on lowering costs.

To that end, mortgage rates have already started retreating, and forecasters expect them to continue cooling into 2025.

“Rates probably are coming down on their own anyways,” Zhao says.

Tariffs and trade

In his first term, Trump imposed a series of tariffs to restrict foreign trade, particularly with China, including on building materials like steel and aluminum. Many of these tariffs are still in place today.

Harris hasn’t said much on trade to date, but it’s unlikely the U.S. would return to the pre-Trump era of free trade.

If elected to a second term, Trump has said he’d impose further tariffs, including a 10% to 20% tax on all imports, and up to a 60% tax on imports from China. That would add to inflation, according to a recent Goldman Sachs report.

“It is well documented that if you increase tariffs, you basically increase prices. So that has a big inflationary impact,” Zhao says.

While housing costs tend to outpace inflation, higher prices overall make it harder for Americans to afford everyday expenses and set aside savings, such as for a down payment on a home.

“Abnormally high inflation does what inflation tends to do, which is to make prices go higher, robs purchasing power and would ultimately coincide with rising or higher interest rates,” Hamrick says. “Does that sound familiar? It should because that’s what we experienced in recent years. Central banks, like our own Federal Reserve, raise benchmark rates in response to high inflation. That ultimately catches up to mortgage rates and typically slows the broader economy.”

(Visit Bankrate online at bankrate.com.)

©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.

Brendan Rascius | (TNS) McClatchy Washington Bureau

Former President Donald Trump now leads Vice President Kamala Harris by 3 points among independents, marking a dramatic shift from one month ago, according to new polling.

In the latest NPR/PBS News/Marist poll, 49% of independent respondents said they are supporting or leaning toward Trump, while 46% said the same for Harris. Three percent said they’re backing a third-party candidate, and 2% said they’re undecided.

In an early August poll, Harris held an 11-point lead over Trump with independents — with 48% support versus his 37%.

In that poll, independent presidential candidate Robert F. Kennedy Jr. was backed by 12% of independents and other third party candidates received 2% support.

Kennedy has since suspended his campaign, endorsed Trump and urged his supporters to back him.

Political experts previously told McClatchy News that his endorsement “could potentially boost support for Trump.”

In August, Harris likely also benefited from a honeymoon period with voters, having only been in the presidential race since mid-July, experts previously said.

The latest poll, conducted between Sept. 3 and 5, sampled 1,529 U.S. adults and has a margin of error of 3.2 percentage points, meaning Trump’s lead is within this margin.

Other findings in the poll:

Trump has similarly seen a significant increase in his support among Latino voters since August, erasing Harris’ lead, according to the poll.

In the latest poll, 51% of Latino voters said they support the former president, while 47% said the same for Harris.

In August, Harris held a 15-point edge over Trump with Latino voters.

The latest poll also found there is a large gender gap in the support for the two candidates, with Harris leading among women by 15 points and Trump ahead among men by 12 points.

Trump is also leading with white voters, with 50% versus Harris’ 47%. However, Harris is receiving a larger share of support from this demographic than her Democratic predecessors. Biden garnered 41% support among white voters in 2020, and Hillary Clinton received 37% in 2016.

Among all registered voters, Harris is leading Trump by one point — 49% to his 48% — narrowing the race from August, when the vice president was up 48% to Trump’s 45%.

And among those who said they definitely plan on voting, Harris outpaced Trump by three points, 51% compared with his 48%.

The poll comes just hours before the two candidates are set to take part in their first — and potentially only — televised presidential debate. The debate, hosted by ABC News, will air live at 9 p.m. E.T.

The majority of respondents, 70%, said they plan to watch most or all of the debate, and 30% of registered voters said it will be an important factor in determining how they vote.

______

©2024 McClatchy Washington Bureau. Visit at mcclatchydc.com. Distributed by Tribune Content Agency, LLC.

By DAVID BAUDER Associated Press

The ABC News moderators were great. No, actually they were a “disgraceful failure.” They cut off Kamala Harris too much. No, actually they corrected Donald Trump unfairly.

Such is the contentious tenor of the times in 2024’s campaign season. And so it went Tuesday night at Trump’s and Harris’ first — and possibly only — debate.

In an illustration of how difficult it is to conduct a presidential debate in a polarized country, ABC News moderators David Muir and Linsey Davis fact-checked and corrected Trump four times Tuesday and were attacked angrily by the former president and his supporters. The moderators asked about economic policy, the war in Ukraine, abortion, the Jan. 6 U.S. Capitol insurrection and changes in Harris’ stances since her 2020 presidential run.

It was the only scheduled debate between the two candidates, although Fox News Channel has proposed another one. Trump, following Tuesday’s session, said he’d be “less inclined to because we had a great night.” On social media, Trump echoed many of his supporters in criticizing ABC, saying the debate was essentially three on one.

In the end, Trump logged 43 minutes and 3 seconds of time talking, while Harris had 37 minutes and 41 seconds, according to a count by The New York Times.

Opinions on the coverage were a political litmus test

The debate’s stakes were high to begin with, not only because of the impending election itself but because the last presidential debate in June — between Trump and sitting President Joe Biden, whose performance was roundly panned — uncorked a series of events that ended several weeks later with Biden’s withdrawal from the race and Harris stepping in.

Opinions on how ABC handled the latest debate Tuesday were, in a large sense, a Rorschach test on how supporters of both sides felt about how it went. MSNBC commentator Chris Hayes sent a message on X that the ABC moderators were doing an “excellent” job — only to be answered by conservative commentator Ben Shapiro, who said, “this is how you know they’re complete s—-.”

While CNN chose not to correct any misstatements by the candidates during Trump’s debate with Biden in June, ABC instead challenged statements that Trump made about abortion, immigration, the 2020 election and violent crime.

During a discussion of abortion, Trump made his oft-repeated claim that Democrats supported killing babies after they were born. Said Davis: “There is no state in the country where it is legal to kill a baby after it was born.”

Muir pointed out that Trump, after years of publicly not admitting to his defeat to Biden in the 2020 election, had recently on three separate occasions conceded he had lost. Trump replied that he had been sarcastic in making those recent statements.

“I didn’t detect the sarcasm,” Muir said.

After suggesting that crime had gone up during the Biden administration, Muir pointed out that violent crime had gone down during that period, prompting an argument with the former president. ABC also noted, after Trump had repeated a debunked report that immigrants were killing and eating pets in Ohio, that there had been no evidence that had happened.

ABC moderators did not correct any statements made by Harris.

“Could they have done more? Yes,” said Angie Drodnic Holan, director of the international fact-checking network at the Poynter Institute, said in an interview. “Did they do enough? I would say yes. The alternative was none.”

Toward the end of the debate, CNN fact checker Daniel Dale said on social media that “Trump has been staggeringly dishonest and Harris has been overwhelmingly (though not entirely) factual.”

Both candidates didn’t answer some questions

As is often the case in debates, the moderators often saw specific questions go unanswered. Harris, for example, was asked to address Trump’s criticism that the U.S. Justice Department has been weaponized against him. She did not. She also skirted questions about changes to some of her past positions on issues. Muir twice asked Trump whether he wanted Ukraine to win its war against Russia, and he didn’t answer.

The split screen views of both candidates onscreen told different stories. Trump often looked angry or smiled at some of Harris’ statements, while avoiding eye contact with his opponent. Harris looked over at her opponents several times, often in bemusement, sometimes in open amusement, sometimes shaking her head.

Online anger toward how ABC handled the evening began while the debate was ongoing, and quickly became a talking point.

“These moderators are a disgraceful failure, and this is one of the most biased, unfair debates I have ever seen,” conservative commentator Megyn Kelly posted on X. “Shame on ABC.”

Answering online critics who complained ABC stacked the deck in Harris’ favor, Atlantic writer James Surowiecki wrote that “the way they ‘rigged’ the debate is by letting (Trump) hang himself with his own stream of consciousness rambles.”

“It was like a 4Chan post come to life,” CNN’s Jake Tapper said.

On Fox News Channel, anchor Martha MacCallum said after the debate that Harris “was never really held to the fire.” Commentator Brit Hume agreed with her, but said something else was at play.

“Make no mistake about it,” Hume said. “Trump had a bad night.”

By CHRIS MEGERIAN Associated Press

WASHINGTON (AP) — Vice President Kamala Harris surprised some viewers during her debate with Donald Trump when she said that she’s a gun owner, raising the fact to counter her Republican opponent’s accusation that she wants to confiscate firearms.

“Tim Walz and I are both gun owners,” Harris said, referencing her running mate. “We’re not taking anybody’s guns away.”

Harris previously talked about owning a gun in 2019 during her first campaign for president.

“I am a gun owner, and I own a gun for probably the reason a lot of people do — for personal safety,” Harris previously said. “I was a career prosecutor.”

At the time, her campaign said that Harris purchased a handgun years earlier and kept it locked up. A spokesperson did not provide any additional details when asked on Tuesday.

The exchange about gun ownership came as Trump tried to paint Harris, who started her political career as a San Francisco district attorney, as radically liberal.

“She is destroying our country,” he said. “She has a plan to defund the police. She has a plan to confiscate everybody’s gun. She has a plan to not allow fracking in Pennsylvania or anywhere else.”

Harris rebutted each of Trump’s allegations, adding that he should “stop with the continuous lying about this stuff.”

Walz, the Minnesota governor, has also talked about gun ownership and boasted of his marksmanship.

Republicans frequently describe Democrats as a threat to the Second Amendment, while Democrats describe their proposals as common sense measures to protect public safety.

Harris has called for implementing universal background checks and expanding red flag laws to take away guns from people who are deemed dangerous or unstable. She also wants to ban so-called assault weapons and high-capacity magazines.

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