Trump, Biden clash in final debate on COVID-19 response, health care, race

TRUMP'S CLAIM: "Nobody knew where it was coming from, what it was. We've learned a lot. But Anthony said don't wear masks. Now he wants to wear masks."

FACT CHECK: Dr. Anthony Fauci, one of the top infectious disease experts in the country, and other public health experts initially told Americans not to wear surgical or N95 masks in the early days of what has become the COVID-19 pandemic.

At the beginning of the pandemic, the Centers for Disease Control and Prevention and the World Health Organization, as well as Fauci and other top experts, initially discouraged wearing masks because of concerns that masks and other personal protective equipment were in short supply for health care workers who needed them. Public health officials were also concerned wearing masks could have unintended consequences if people touched their face more often to adjust them or fail to keep social distancing. 

"There was this feeling that there would be a shortage just for those who really need them very early on," Fauci said in a recent interview. "That was the big deal. We didn't have enough PPE including masks. Then it became clear that cloth masks worked reasonably well. And therefore there was no more shortage. Then the different analyses, meta analyses and others came in that in fact, it does work."

In early April, the CDC changed its recommendation about face coverings for the general public, based on evidence that a significant number of people who were asymptomatic or not yet feeling sick were transmitting the virus.

Duke University researchers have also concluded that "if 95 percent of people wear cloth masks when within 6 feet of other people in public, it will reduce COVID-19 transmission by at least 30 percent."

Trump also said he thought Fauci was a Democrat, but Fauci is not registered as a member of any political party, according to D.C. voting records.

-ABC News' Stephanie Ebbs and Arielle Mitropoulos

TRUMP'S CLAIM: “When I closed, he said, 'This is a terrible thing. You're xenophobic.' I think he called me racist, even, and -- because I was closing it to China. Now, he says I should have closed it earlier. It just -- Joe, it doesn't work."

FACT CHECK: While Trump claimed that Biden opposed his decision to ban most travel from China at the outset of the coronavirus pandemic and that he called the restrictions "xenophobic," the former vice president did not explicitly weigh in on the decision when it was announced on Jan. 31. He did call the president xenophobic minutes after the partial travel ban was announced, but did not call Trump a racist for the decision.

During a campaign event that same day in Fort Madison, Iowa, Biden discussed the growing concern over the COVID-19 outbreak and cautioned that Trump should let science "lead the way."

"In moments like this, this is where the credibility of a president is most needed as he explains what we should and should not do," Biden told the crowd at the event. "This is no time for Donald Trump's record of hysterical xenophobia ... and fear-mongering to lead the way instead of science."

The comments came just minutes after the White House announcement, so it was unclear if Biden was referring to the decision specifically, but the former vice president did tweet a similar sentiment the next day.

"We are in the midst of a crisis with the coronavirus," Biden posted. "We need to lead the way with science -- not Donald Trump's record of hysteria, xenophobia, and fear-mongering. He is the worst possible person to lead our country through a global health emergency."

Throughout March, Biden used the word "xenophobic" in various speeches and tweets to criticize the president labeling COVID-19 as the "China virus."

Biden did acknowledge the travel restrictions put in place by the Trump administration in a March speech, noting they "may" slow the spread.

"Banning all travel from Europe or any other part of the world may slow it, but as we've seen, it will not stop it. And travel restrictions based on favoritism and politics rather than risk will be counterproductive," Biden said.

Biden's campaign did not explicitly discuss the vice president's view of the ban until April.

"Joe Biden supports travel bans that are guided by medical experts, advocated by public health officials and backed by a full strategy," Biden's deputy campaign manager Kate Bedingfield told CNN. "Science supported this ban, therefore he did too.

-ABC News' Molly Nagle

Welker turned her attention to the lingering stimulus discussions in Congress and asked Trump why he hasn't helped the millions of Americans who haven fallen into poverty, particularly minorities and women.

Trump laid the blame on House Speaker Nancy Pelosi.

"But you're the president," Welker contended.

"Nancy Pelosi does not want to approve it. We are ready, willing and able to do something," Trump said.

Biden, however, noted that Senate Majority Leader Mitch McConnell said he can not pass the stimulus bill because he doesn't have the votes.

When asked how he would work differently, the vice president said the Democrats have been pushing to pass the bill for the months.

"Look, they passed this act all the way back in the beginning of the summer. This is like -- it's not new. It's been out there," Biden said.

Biden said if he is elected he would pass Obamacare with a public option, deeming it "Bidencare," and outlining his plan.

"If you qualify for Medicaid and you do not have the wherewithal in your state to get Medicaid, you're automatically enrolled, providing competition for insurance companies," Biden said. 

"Secondly, we're going to make sure we reduce the premiums and reduce drug prices by making sure that there's competition that doesn't exist now, by allowing Medicare to negotiate drug prices with the insurance companies," he said. 

Biden said private insurance would be protected under his plan. 

"Thirdly, the idea that I want to eliminate private insurance -- the reason why I had such a fight for -- with 20 candidates for the nomination, was I support private insurance," Biden said. "Not one single person with private insurance would lose their insurance under my plan, nor did they under Obamacare."

"Lastly, we're going to make sure we're in a situation that we actually protect pre-existing conditions. There's no way he can protect pre-existing conditions. None. Zero," Biden said, as the Trump administration seeks to dismantle the entire Affordable Care Act which currently protects them.

Trump said earlier, "I'd like to terminate Obamacare, come up with a brand-new beautiful health care."