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Public policy in Delaware

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The Public Policy Project on Ballotpedia aims to illuminate major policy issues being discussed and implemented throughout the United States. Public policy can be complicated and controversial; deciding what works best and how to allocate resources to achieve a policy goal can involve multiple trade-offs. Much of the public policy that affects citizens economically, legally and socially, is made at the state level. Below you will find links and introductions to all the Delaware public policy articles on Ballotpedia. To see the policy overview of another state click on the map below.

For a list of all public policy articles on Ballotpedia see here.

Budget Policy

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Budget and finances

In Delaware, as in other states, lawmakers and public officials are elected in part to manage the state's finances. This includes generating revenues (money coming into the state from various sources) and approving expenditures (the money spent on governmental functions and servicing state debt). State budgets are complex and fluid, as they depend on anticipated revenues and planned expenditures, which may alter over the course of a fiscal year. If revenues do not keep pace with expenditures, states generally have to raise taxes, cut services, borrow money, or a combination of the three. State budget decisions are also influenced by policy decisions at the national level, such as the Affordable Care Act or energy and environmental regulations, and issues at the local level, such as crime and the quality of education.

HIGHLIGHTS
  • Between fiscal years 2015 and 2016, total government spending in Delaware increased by approximately $0.5 billion—from $9.8 billion in fiscal year 2015 to an estimated $10.2 billion in 2016. This represents a 4.8-percent increase.[1]
  • In Delaware in fiscal year 2015, 41.2 percent of total tax revenues came from license taxes. Income taxes accounted for 40.6 percent of total state tax collections.
  • Education accounted for 28.2 percent of state expenditures in fiscal year 2015, while 19.2 percent went to Medicaid.
  • Taxes

    Delaware generates the bulk of its tax revenue by levying a personal income tax and select sales taxes (otherwise known as excise taxes). The state derives its constitutional authority to tax from Article VIII of the state constitution.[2][3]

    Tax policy can vary from state to state. States levy taxes to help fund the variety of services provided by state governments. Tax collections comprise approximately 40 percent of the states' total revenues. The rest comes from non-tax sources, such as intergovernmental aid (e.g., federal funds), lottery revenues and fees. The primary types of taxes levied by state governments include personal income tax, general sales tax, excise (or special sales) taxes and corporate income tax.[4]

    HIGHLIGHTS
  • According to the United States Census Bureau, Delaware collected $3.52 billion in tax revenue in 2016. The state's tax revenue per capita was $3,700.
  • Civil Liberties Policy

    Civil Liberties Policy Logo.png

    Affirmative action

    Affirmative action in Delaware refers to the steps taken by employers and universities in Delaware to increase the proportions of historically disadvantaged minority groups at those institutions. Historically, affirmative action nationwide has taken many different forms, such as strict quotas, extra outreach efforts, and racial and gender preferences. However, racial quotas in university admissions were banned in a 1978 United States Supreme Court case, Regents of the University of California v. Bakke.[5]

    On June 29, 2023, the Supreme Court reversed lower court decisions in Students for Fair Admissions, Inc. v. President and Fellows of Harvard College and Students for Fair Admissions, Inc. v. University of North Carolina, effectively ending the use of affirmative action in college admissions.

    As of March 2015, 109 out of 577 public four-year universities across the country reported that they considered race in admissions. This practice has been banned in eight states. Meanwhile, 28 states require affirmative action plans in either public employment or apprenticeships. Affirmative action programs that grant racial preferences have come under scrutiny in the courts for potentially violating the Equal Protection Clause of the Fourteenth Amendment and Title VII of the Civil Rights Act.[6][7]

    HIGHLIGHTS
  • In Delaware, one public university reported considering race in admissions as of March 2015.
  • Executive Order No. 8, issued August 11, 2009, outlines affirmative action requirements for employers.
  • The effects of affirmative action policies are contested. Proponents argue that affirmative action diversifies selective institutions and provides more opportunities to minorities. Opponents argue that implementing policies that favor some groups requires discrimination against others and that these policiesmay harm individuals they are meant to help.

    Campaign finance

    Campaign finance requirements govern how much money candidates and campaigns may receive from individuals and organizations, how they must report those contributions, and how much individuals, organizations, and political parties may contribute to campaigns. In addition to direct campaign contributions, campaign finance laws also apply to third-party organizations and nonprofit organizations that seek to influence elections through independent expenditures or issue advocacy.

    This page provides background on campaign finance regulation, lists contribution limits to state candidates and ballot measures in Delaware, compares contribution limits to gubernatorial and state legislative candidates in Delaware with those from other states, and details the candidate reporting requirements in Delaware.

    The information on this page pertains to candidates for state office and state ballot measures. Candidates for federal office are subject to federal campaign finance law. Candidates for local office are subject to all applicable state laws as well as any separate local campaign finance regulations.[8]

    As of July 2025:
  • Individuals could contribute $1,200 per election cycle to gubernatorial candidates and $600 per election cycle to state legislative candidates.
  • State parties could contribute $75,000 per election cycle to gubernatorial candidates, $5,000 per election cycle to state senate candidates, and $3,000 per election cycle to state house candidates.
  • Political committees could contribute $1,200 per election cycle to gubernatorial candidates and $600 per election cycle to state legislative candidates.
  • Corporations and unions could contribute $1,200 per election cycle to gubernatorial candidates and $600 per election cycle to state legislative candidates.
  • Background

    Seal of the United States Federal Election Commission

    The Federal Election Commission (FEC) is the independent regulatory agency that administers and enforces federal campaign election laws. The FEC is responsible for disclosing campaign finance information, enforcing limits and prohibitions on contributions and overseeing public funding of presidential elections.[9] According to the FEC, an individual becomes a federal candidate and must begin reporting campaign finances once he or she has either raised or spent $5,000 in his or her campaign. Within fifteen days of this benchmark, the candidate must register with the FEC and designate an official campaign committee, which is responsible for the funds and expenditures of the campaign. This committee must have an official treasurer and cannot support any candidate but the one who registered it. Detailed financial reports are then made to the FEC every financial quarter after the individual is registered. Reports are also made before primaries and before the general election.[10]

    The rules governing federal election campaigns and contributions have evolved over the past generation as result of a number of Supreme Court decisions. In the 2010 Citizens United v. Federal Election Commission decision, the court held that corporate funding of independent political broadcasts in candidate elections cannot be limited. The court's decision also overturned the ban on for-profit and not-for-profit corporations and unions broadcasting electioneering communications in the 30 days before a presidential primary and in the 60 days before a general election.[11] In the SpeechNOW.org v. Federal Election Commission decision, the first application of the Citizens United decision, the court held that contribution limits on what individuals could give to independent expenditure-only groups, and the amount these organizations could receive, were unconstitutional. Contribution limits on donations directly to candidates, however, remained unchanged.[12][13] In 2014's McCutcheon v. Federal Election Commission decision, the court overturned biennial aggregate campaign contribution limits, and held that individuals may contribute to as many federal candidates as they want, but may only contribute up to the federal limit in each case.[14]

    While the FEC governs federal election campaigns and contribution limits, individual states require their own level of regulation and reporting. The amount of regulation required differs by state, as do the limits on campaign contributions and third-party activities to influence elections. Candidates for local office must follow any applicable state and local campaign finance regulations.

    Contribution limits

    The table below details contribution limits as they applied to various types of individuals and groups in Delaware as of July 2025. The uppermost row of the table indicates the contributor, while the leftmost column indicates the recipient.[15]

    Delaware contribution limits as of July 2025
      Individuals Single candidates committees PACs Political party Super PACs Corporations Unions
    Gubernatorial candidate $1,200 $1,200 $1,200 $75,000 $0 $1,200 $1,200
    Senate candidate $600 $600 $600 $5,000 $0 $600 $600
    House candidate $600 $600 $600 $3,000 $0 $600 $600
    PAC Unlimited $0 Unlimited $0 $0 Unlimited Unlimited
    Party committees $20,000 $20,000 $20,000 Unlimited $0 $20,000 $20,000
    Ballot measures $0* $0* $0* $0* $0* $0* $0*
    *With respect to ballot measures, Delaware does not permit citizen initiative, referendum, or recall. Delaware defines all groups acting in support of or opposition to a ballot measure as political action committees (PACs).
    Limits apply per election cycle.
    Source: Delaware Elections, "Contribution Table," accessed July 11, 2025


    State comparisons in the 2024 elections

    See also: State-by-state comparison of campaign finance requirements

    As of the 2024 elections, 38 states, including Delaware, had varying limits on individual contributions to gubernatorial or state legislative candidates. There were no limits in the remaining 12 states.


    Delaware

    Individual contribution limits in Delaware:

    • Governor: $1,200 per election
    • State Senate: $600 per election
    • State House: $600 per election
    Comparison to other states

    In the 38 states with individual contribution limits:

    • Governor
    • State Senate
      • Minimum: $200 per election (Colorado)
      • Maximum: $15,499.69 per election (Ohio)
    • State House
      • Minimum: $200 per election (Colorado)
      • Maximum: $15,499.69 per election (Ohio)

    Candidate reporting requirements

    Seal of Delaware

    DocumentIcon.jpg See statutes: Title 15, Chapter 80 of the Delaware Code

    The campaign finance reporting process for candidates seeking state office in Delaware is outlined below. Candidates seeking federal office must file with the Federal Election Commission. Reporting details for federal candidates are not included in this section.

    Candidates in Delaware may file all campaign finance reports through the Delaware Campaign Finance Reporting System, which can be accessed here.

    Candidate committees

    Before campaign finance reporting can begin, a candidate must form a candidate committee. All contributions and expenditures must be made through the candidate committee, and the candidate committee must keep records of such transactions. The committee must maintain those records for a period of three years. Each candidate may have only one candidate committee at a time. When forming the candidate committee, the candidate must name a treasurer. The treasurer must be separate from the candidate, but the candidate must share the responsibilities of keeping records and filing reports with the treasurer.[17]

    A candidate seeking an office that pays $1,000 or less per year does not have to form a candidate committee or file campaign finance reports. The candidate does, however, have to sign a statement with the State Election Commissioner affirming that he or she does not intend to receive or spend more than $5,000 for the campaign. If the candidate receives or spends over $5,000, he or she must notify the State Election Commissioner within seven days and file all reports that would have been required during that election year.[18]

    Reporting requirements

    Reports must be cumulative for the election period and must include a sworn statement, signed by the candidate or the treasurer, attesting that every aspect of the report is true and correct and covers all campaign transactions required to be reported for the reporting period. Reports must include the following:[19]

    • all cash and assets on hand at the beginning of the reporting period
    • the name and address of each person who made a contribution in an aggregate amount or value in excess of $100 during the reporting period, along with the date and amount of those contributions; the total amount of contributions given by that contributor during the election cycle must also be included; if the contributor is not an individual, the name and address of one responsible party for that person must also be included
    • the total contributions accepted that were not otherwise included in the report
    • the name and address of each political committee involved in transferring funds during the reporting period, including the amount and date of each transfer
    • the amount of each debt owed by or to the candidate committee in excess of $50 at the end of the reporting period, as well as the names and addresses of any lenders, borrowers or endorsers of such debt, including the date and interest rate of any loans and a description of any securities given
    • the total amount of proceeds from events or sales of campaign-related items during the reporting period
    • the total receipts during the reporting period
    • the name and address of each person to whom any expenditure was made in an aggregate total of $100 or more, along with the amount, date and purpose of each expenditure
    • the total amount of expenditures made by the candidate committee during the reporting period
    • any in-kind contributions given to the candidate committee that have been assessed at fair-market value to be worth over $100

    Reports must be filed for every reporting period during which a candidate committee is in existence. A candidate is jointly responsible with the treasurer for filing reports for the committee. The filing schedule is detailed in the table below.[19]

    Filing schedule
    Report Time period covered by the report Report due date
    Annual Report Day after last day reported on last report (or first day the candidate committee receives a contribution or makes an expenditure) through December 31 20 days after the last day covered in the report, unless it is a state holiday in which case it should be filed on the next business day
    30-Day Election Report Day after last day reported on last report through 30 days before an election in which the candidate’s name will appear on the ballot Two days after the last day covered in the report, unless it is a state holiday in which case it should be filed on the next business day
    Eight-Day Election Report Day after last day reported on last report through eight days before an election in which the candidate’s name will appear on the ballot Two days after the last day covered in the report, unless it is a state holiday in which case it should be filed on the next business day

    Any funds remaining after a candidate committee has completed its reporting requirements for the election cycle and paid off all its debts may be:[20]

    • transferred to successor committees for the same candidate and the same office, as long as the transfer remains within contribution limits
    • donated to a volunteer fire company
    • transferred to successor committees for a different office without being subject to contribution limits
    • donated to any religious, charitable, educational or scientific organization exempt from Delaware income tax
    • contributed to a political party, as long as the contribution remains within contribution limits for political parties

    Campaign finance legislation

    The table below displays bills related to campaign finance introduced during or carried over to Delaware's current legislative session.[21]

    Election and campaign ballot measures

    See also: Elections and campaigns on the ballot and List of Delaware ballot measures


    Contact information

    Election agencies

    Seal of the U.S. Election Assistance Commission
    See also: State election agencies

    Individuals seeking additional information about election administration in Delaware can contact the following local, state, and federal agencies.

    Delaware Department of Elections

    Click here for a list

    Office of the State Election Commissioner

    905 S. Governors Ave, Suite 170
    Dover, DE 19904
    Phone: 302-739-4277
    Fax: 302-739-6794
    Email: coe_vote@state.de.us
    Website: http://elections.delaware.gov/

    Public Integrity Commission

    410 Federal Street, Suite 3
    Dover, DE 19901
    Phone: 302-739-2399
    Fax: 302-739-2398
    Email: benjamin.warshaw@delaware.gov
    Website: http://depic.delaware.gov/

    U.S. Election Assistance Commission

    633 3rd Street NW, Suite 200
    Washington, DC 20001
    Phone: 301-563-3919
    Toll free: 1-866-747-1471
    Email: clearinghouse@eac.gov
    Website: https://www.eac.gov

    Federal Election Commission (FEC)

    1050 First Street, NE
    Washington, DC 20463
    Telephone: (202)-694-1100
    Toll-free: 1-800-424-9530
    Email: info@fec.gov
    Website: http://www.fec.gov/

    Recent news

    The link below is to the most recent stories in a Google news search for the terms Delaware campaign finance. These results are automatically generated from Google. Ballotpedia does not curate or endorse these articles.

    See also

    Footnotes

    1. National Association of State Budget Officers, "State Expenditure Report (Fiscal 2014-2016)," accessed June 26, 2017
    2. State of Delaware, "The Delaware Constitution of 1897," accessed October 17, 2014
    3. Tax Policy Center, "State Tax Collection Shares by Type 2000-2013," June 20, 2014
    4. Brunori, D. (2011). State Tax Policy: A Political Perspective. Washington, D.C.: The Urban Institute Press
    5. Oyez, "Regents of the University of California v. Bakke," accessed February 11, 2015
    6. Miller Center of Public Affairs, "Affirmative Action: Race or Class?" accessed February 10, 2015
    7. Business and Legal Resources, "Affirmative Action," accessed March 31, 2015
    8. National Conference of State Legislatures, "Campaign Finance Enforcement," accessed May 28, 2025
    9. Federal Election Commission, "About the FEC," accessed June 27, 2012
    10. Federal Election Commission, "Candidate Registration Brochure," accessed December 7, 2012
    11. New York Times, "Justices, 5-4, Reject Corporate Spending Limit," January 21, 2010
    12. Federal Election Commission, "Speechnow.org v. FEC," April 7, 2014
    13. OpenSecrets, "Two Federal Court Rulings Could Change Campaign Finance Landscape," March 26, 2010
    14. Federal Election Commission, "Ongoing Litigation," accessed March 18, 2015
    15. Vox, "Super PACs can spend unlimited amounts on elections, but must disclose their donors," accessed May 21, 2015
    16. National Conference of State Legislatures, "State Limits on Contributions to Candidates 2023-2024 Election Cycle," accessed May 8, 2025
    17. Delaware Code, "Title 15, Chapter 80, Subchapter I, Section 8003," accessed July 11, 2025
    18. Delaware Code, "Title 15, Chapter 80, Subchapter I, Section 8005," accessed July 11, 2025
    19. 19.0 19.1 Delaware Code, "Title 15, Chapter 80, Subchapter IV, Section 8030," accessed July 11, 2025
    20. Delaware Code, "Title 15, Chapter 80, Subchapter III, Section 8022," accessed July 11, 2025
    21. Bills are organized by most recent action. Clicking on a bill will open its page on Ballotpedia's Election Administration Legislation Tracker, which includes bill details and a summary.


    Nonprofit regulation

    Nonprofit regulation in Delaware involves a complex set of rules that govern nonprofit organizations and charitable giving throughout the state. Major issues surrounding nonprofit regulation nationwide include the following:

    • contribution limits,
    • donor disclosure, and
    • the redefinition of issue advocacy.


    Delaware is one of 11 states that do not require charitable organizations, or those intending to solicit on their behalf, to register with the state in order to solicit contributions, whether they are a Delaware organization or based out-of-state.[1]

    According to Guidestar, an organization that reports on nonprofit companies, regulation of nonprofit activity protects donors and organizations from potential fraud and helps "to maintain trust in the [nonprofit] sector." According to the London School of Economics, nonprofit disclosure requirements can create privacy concerns among potential donors, thereby having an unintended negative impact on donor participation.[2][3]

    Education Policy

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    K-12 Public education

    The Delaware public school system (prekindergarten through grade 12) operates within districts governed by locally elected school boards and superintendents. In 2022, Delaware had 123,566 students enrolled in a total of 202 schools in 19 school districts. There were 8,737 teachers in the public schools, or roughly one teacher for every 14 students, compared to the national average of 1:16. In 2020, Delaware spent on average $17,235 per pupil.[4] The state's graduation rate was 89 percent in the 2018-2019 school year.[5]

    Higher education

    Delaware's higher education system is composed of nine colleges and universities. Of these, three are public institutions, five are nonprofit private schools, and one is a for-profit private institution.[6]

    HIGHLIGHTS
  • In Delaware, average tuition for public schools amounted to $11,278 while average tuition for private schools amounted to $13,444.
  • Average student debt held by college graduates in Delaware amounted to about $33,808, highest in the country.
  • In Delaware, state appropriations per full-time student declined 22 percent between 2009 and 2014.
  • School choice

    School choice is a term that refers to programs offering alternatives to assigned local public school options. Public school choice options include open enrollment policies, magnet schools, and charter schools. Other options include school vouchers, scholarship tax credits, and education savings accounts (ESAs).[7][8]

    HIGHLIGHTS
  • According to the National Alliance for Public Charter Schools, a charter school advocacy group, there were an estimated 27 total charter schools in Delaware in the 2015-2016 school year. These schools enrolled approximately 14,400 students.
  • In Delaware, there were 23,640 students enrolled in 120 private schools in fall 2013, accounting for roughly 16.08 percent of the state's total school-age population.
  • According to the Friedman Foundation for Educational Choice, as of May 2016, Delaware provided no financial assistance (either in the form of vouchers or tax credits) to parents wishing to send their children to private schools instead of public schools.
  • Proponents argue that school choice programs improve educational outcomes by expanding opportunity and access for historically disadvantaged students. In addition, advocates claim that school choice programs empower parents and improve traditional public schools through competition. Critics contend that these programs divert funds from traditional public schools, thereby generating unequal outcomes for students. In addition, some critics argue that school voucher programs wrongly direct tax dollars to religious organizations, which operate many private schools.

    Charter schools

    Charter schools in Delaware are public schools operated independently of public school systems. Although they are largely publicly funded, charter schools are exempt from many of the requirements imposed by state and local boards of education regarding hiring and curriculum. As public schools, charter schools cannot charge tuition or impose special entrance requirements; students are usually admitted through a lottery process if demand exceeds the number of spaces available in a school. Charter schools generally receive a percentage of the per-pupil funds from the state and local school districts for operational costs based on enrollment. In most states, charter schools do not receive funds for facilities or start-up costs; therefore, they must rely to some extent on private donations. The federal government also provides revenues through special grants. As of March 2017, 44 states and the District of Columbia had approved legislation authorizing the creation of public charter schools. Six states had not.

    HIGHLIGHTS
  • According to the National Alliance for Public Charter Schools, a charter school advocacy group, there were an estimated 27 total charter schools in Delaware in the 2015-2016 school year. These schools enrolled approximately 14,400 students.
  • Overall, charter school students accounted for 11.01 percent of total public school enrollment in Delaware in 2015.
  • The Delaware State Legislature approved the state's charter school law in 1995.
  • Election Policy

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    Ballot access requirements

    In order to get on the ballot in Delaware, a candidate for state or federal office must meet a variety of state-specific filing requirements and deadlines. These regulations, known as ballot access laws, determine whether a candidate or party will appear on an election ballot. These laws are set at the state level. A candidate must prepare to meet ballot access requirements well in advance of primaries, caucuses, and the general election.

    There are three basic methods by which an individual may become a candidate for office in a state.

    1. An individual can seek the nomination of a state-recognized political party.
    2. An individual can run as an independent. Independent candidates often must petition in order to have their names printed on the general election ballot.
    3. An individual can run as a write-in candidate.

    This article outlines the steps that prospective candidates for state-level and congressional office must take in order to run for office in Delaware. For information about filing requirements for presidential candidates, click here. Information about filing requirements for local-level offices is not available in this article (contact state election agencies for information about local candidate filing processes).

    Redistricting

    Redistricting is the process by which new congressional and state legislative district boundaries are drawn. Delaware's single United States Representative and 62 state legislators are elected from political divisions called districts. United States Senators are not elected by districts, but by the states at large. District lines are redrawn every 10 years following completion of the United States census. The federal government stipulates that districts must have nearly equal populations and must not discriminate on the basis of race or ethnicity.[9][10][11][12]

    Delaware was apportioned one seat in the U.S. House of Representatives after the 2020 census, the same number it received after the 2010 census. Click here for more information about redistricting in Delaware after the 2020 census.

    HIGHLIGHTS
  • Following the 2020 United States Census, Delaware was apportioned one congressional district, which was unchanged from the number it had after the 2010 census.
  • Delaware's House of Representatives is made up of 41 districts; Delaware's State Senate is made up of 21 districts.
  • Because Delaware has only one congressional district, congressional redistricting is not necessary. The state legislature draws state legislative district lines.
  • Voting



    Election Policy VNT Logo.png

    Election Information
    2026 election and voting dates
    Voter registration
    Early voting
    Absentee/mail-in voting
    All-mail voting
    Voter ID laws
    State poll opening and closing times
    Time off work for voting

    Ballotpedia's Election Administration Legislation Tracker

    Select a state from the menu below to learn more about its voting policies.

    The policies governing voter participation are enacted and enforced primarily at the state level. These policies, which include voter identification requirements, early voting provisions, online voter registration systems, and more, dictate the conditions under which people cast their ballots in their respective states.

    This article includes the following information about voting policies in Delaware:

    Click here for more information about election administration in the state, including voter list maintenance policies, provisional ballot rules, post-election auditing practices, and additional election policy context.

    For information on elections happening this year, click here.

    Do you have questions about your elections? Looking for information about your local election official? Click here to use U.S. Vote Foundation’s election official lookup tool.

    Energy Policy

    Energy Policy-Logo.png

    Energy information

    Energy policy involves governmental actions affecting the production, distribution, and consumption of energy in a state. Energy policies are enacted and enforced at the local, state, and federal levels and may change over time. These policies include legislation, regulation, taxes, incentives for energy production or use, standards for energy efficiency, and more. Stakeholders include citizens, politicians, environmental groups, industry groups, and think tanks. A variety of factors can affect the feasibility of federal and state-level energy policies, such as available natural resources, geography, and consumer needs.

    Fracking

    Read about Delaware's state energy profile »

    According to the U.S. Energy Information Administration, Delaware had no oil or natural gas reserves as of May 2017; thus, no fracking occurred in the state.[13]

    Environmental Policy

    Environmental Policy Logo.png

    Environmental information

    Environmental policy aims to conserve natural resources by balancing environmental protection with economic growth, property rights, public health, and energy production. Federal, state, and local government entities develop and implement environmental policies through laws and regulations. This page features information about environmental policy in Delaware .

    Endangered species

    Endangered species policy in Delaware involves the identification and protection of endangered and threatened animal and plant species. Policies are implemented and enforced by both the state and federal governments.

    HIGHLIGHTS
  • As of July 2016, Delaware had 10 species—three endangered species and seven threatened species—listed under the federal Endangered Species Act (ESA).
  • Of these, six were animal species and four were plant species.
  • Finance Policy

    Policypedia Finance Final.png

    Financial regulation information

    The United States financial system is a network that facilitates exchanges between lenders and borrowers. The system, which includes banks and investment firms, is the base for all economic activity in the nation. According to the Federal Reserve, financial regulation has two main intended purposes: to ensure the safety and soundness of the financial system and to provide and enforce rules that aim to protect consumers. The regulatory framework varies across industries, with different regulations applying to different financial services.[14]

    Individual federal and state entities have different and sometimes overlapping responsibilities within the regulatory system. For example, individual states and three federal agencies—the Federal Reserve, the Office of Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC)—regulate commercial banks. Other sectors of the financial market are regulated by specific entities.[15][16]

    HIGHLIGHTS
  • In 2015, there were a total of 19 distinct commercial banks in Delaware, with total deposits of $344.55 billion.
  • In Delaware, the Office of the State Bank Commissioner serves as the regulatory authority for banks.
  • In 2015, a total of 59,058 financial crimes were reported in Delaware according to the Financial Crimes Enforcement Network (FINCEN), an agency of the United States Department of Treasury.
  • Some, such as the Brookings Institution, argue that expanded governmental regulation of banks and financial products (e.g., mortgages) can prevent large-scale financial crises, protect consumers from abusive practices, and stabilize financial markets. Others, such as the Cato Institute, argue that over-regulation of banks of banks and financial products burdens business, stalls economic growth, and does little, if anything, to stabilize financial markets. Beyond this basic debate about the role of the government in regulating the private financial sector, there are varying opinions about the proper extent of governmental regulation.[17][18]

    Healthcare Policy

    Healthcare Policy Logo.png

    Healthcare information

    Healthcare policy in Delaware involves the creation and implementation of laws, rules, and regulations for managing the state's healthcare system. The healthcare system consists of services provided by medical professionals to diagnose, treat, and prevent mental and physical illness and injury. The system also encompasses a wide range of related sectors, such as insurance, pharmaceuticals and health information technology.

    According to the National Conference of State Legislatures, the 50 state legislatures collectively "make thousands of health policy decisions each year," not including the decisions made by local governments, which often oversee hospitals, and private bodies, such as insurers. These decisions can include budget appropriations, requirements for doctors obtaining their licenses, which services are covered by insurance, how personal health information is managed, and which immunizations children must receive, among many others.[19]

    Healthcare policy affects not only the cost citizens must pay for care, but also their access to care and the quality of care received, which can influence their overall health. A top concern for policymakers is the rising cost of healthcare, which has placed an increasing strain on the disposable income of consumers as well as on state budgets.

    Other issues in healthcare policy include

    Medicaid spending

    Delaware's Medicaid program provides medical insurance to groups of low-income people and individuals with disabilities. Medicaid is a nationwide program jointly funded by the federal government and the states. Medicaid eligibility, benefits, and administration are managed by the states within federal guidelines. A program related to Medicaid is the Children's Health Insurance Program (CHIP), which covers low-income children above the poverty line and is sometimes operated in conjunction with a state's Medicaid program. Medicaid is a separate program from Medicare, which provides health coverage for the elderly.

    Effect of the Affordable Care Act

    The impact of the Affordable Care Act of 2010 (ACA), also known as Obamacare, has been debated among politicians, policymakers, and other stakeholders. The ACA was signed into law in 2010 by President Barack Obama (D). The law facilitated the purchase of health insurance through a system of health insurance exchanges, tax credits, and subsidies. Initially, states were required to expand eligibility for Medicaid under the law; a 2012 ruling by the United States Supreme Court made the Medicaid expansion voluntary for states. The law also required insurers to cover healthcare services within a standard set of benefits and prohibits coverage denials based on preexisting conditions. Under the law, all individuals were required to obtain health insurance.

    HIGHLIGHTS
  • Between 2013 and 2016, the number of uninsured individuals in Delaware declined by 36.1%.
  • About 24,000 individuals in Delaware were enrolled in health plans offered through the health insurance exchange in 2017. Enrollment in Medicaid amounted to about 243,490 in May 2017.
  • The Kaiser Family Foundation found that between 2016 and 2017, average monthly premiums for benchmark plans on Delaware's exchange increased by an average of 19% in the Wilmington market, from $356 to $423.

  • Immigration Policy

    Policypedia Imigration Final.png

    Immigration information

    Immigration policy determines who may become a new citizen of the United States or enter the country as a temporary worker, student, refugee, or permanent resident. The federal government is responsible for setting and enforcing most immigration policy.

    Meanwhile, states assume a largely supportive role, enacting their own supplementary laws and setting policies that may, for example, determine which public services immigrants can access, establish employee screening requirements, or guide the interaction between related state agencies and their federal counterparts.

    Some jurisdictions, including some states, cities, and counties, have adopted policies of not cooperating with federal immigration enforcement; these jurisdictions have become known as sanctuary jurisdictions.

    HIGHLIGHTS
  • As of October 2016, Delaware allowed lawfully residing immigrant women and children to enroll in Medicaid or the Children's Health Insurance Program.
  • In 2014, about 917,000 individuals resided in Delaware. About 91.6 percent of Delaware residents were native-born citizens; nearly 4 percent were naturalized citizens and 4.5 percent were non-citizens.
  • Delaware's poverty rate during 2014 was 8.2 percent. Among native-born citizens, 7.6 percent lived below the poverty line, compared to 18.0 percent of non-citizens.
  • Pension Policy

    Pension Policy Logo.png

    Public pensions

    Delaware public pensions are the state mechanism by which state and many local government employees in Delaware receive retirement benefits.

    There were 25 public pension systems in Delaware as of 2020. Of these, eight were state-level programs while the remaining 17 were administered at the local level. Membership in Delaware's various pension systems totaled 87,969, as of fiscal year 2020. Of these, 47,419 were active members.[20]

    HIGHLIGHTS
  • Total contributions of $468.8 million were made to Delaware's state and local pension systems, in fiscal year 2020. Of this amount, $92.0 million came from employees.
  • Delaware's state and local pension systems made payments totaling $807.2 million, in fiscal year 2020.
  • Delaware's state and local pension systems held $11.8 billion in total cash and investment holdings, as of fiscal year 2020.

  • Public policy in other states

    Click your state for an overview of policy information in your state.
    http://ballotpedia.org/Public policy in STATE


    Footnotes

    1. Fishman, S. & Barrett, R. (2012). Nonprofit Fundraising Registration: The 50 State Guide. NOLO.
    2. Guidestar, Fundraising: What Laws Apply?" accessed February 18, 2015
    3. London School of Economics, "Campaign finance laws that make small donations public may lead to fewer people contributing and to smaller donations," January 7, 2015
    4. United States Census Bureau, "U.S. School System Current Spending Per Pupil by Region: Fiscal Year 2020," May 18, 2022
    5. National Center for Education Statistics, "Fast Facts: High school graduation rates," accessed September 28, 2022
    6. National Center for Education Statistics, "College Navigator - Delaware," accessed July 12, 2016
    7. National Conference of State Legislatures, "School Choice and Charters," accessed June 18, 2014
    8. Friedman Foundation for School Choice, "What is School Choice?" accessed June 18, 2014
    9. All About Redistricting, "Why does it matter?" accessed April 8, 2015
    10. Indy Week, "Cracked, stacked and packed: Initial redistricting maps met with skepticism and dismay," June 29, 2011
    11. The Atlantic, "How the Voting Rights Act Hurts Democrats and Minorities," June 17, 2013
    12. Redrawing the Lines, "The Role of Section 2 - Majority Minority Districts," accessed April 6, 2015
    13. Cite error: Invalid <ref> tag; no text was provided for refs named EIA
    14. Board of Governors of the Federal Reserve System, "Government Performance and Results Act Annual Performance Report 2011," July 10, 2012
    15. The National Bureau of Economic Research, "A Brief History of Regulations Regarding Financial Markets in the United States: 1789 to 2009," September 2011
    16. Federal Deposit Insurance Corporation, "The U.S. Federal Financial Regulatory System: Restructuring Federal Bank Regulation," January 19, 2006
    17. Brookings, "The Origins of the Financial Crisis," November 24, 2008
    18. The Cato Institute, "Did Deregulation Cause the Financial Crisis?" July 2009
    19. National Conference of State Legislatures, "Health," accessed July 8, 2015
    20. United States Census Bureau, 2020 Annual Survey of Public Pensions: State & Local Tables accessed February 23, 2022