Doug LaMalfa (R-CA)
Keeping Homeownership Costs Down Act
A Republican bill with 2 Democratic cosponsors · See all 3 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, known as the "Keeping Homeownership Costs Down Act," aims to amend the National Flood Insurance Act of 1968. It specifically prohibits the Administrator from deferring the issuance of certain letters of map revision due to the placement of fill. This prohibition applies to both standard letters of map revision and conditional letters of map revision based on the placement of fill. The amendment includes a specific rule of construction regarding the review and determination of these letters. Finally, the amendment is set to be repealed once certain biological opinion requirements from the Endangered Species Act are fully implemented by FEMA.
Yes· 3 of 6
- Scored +3
Does this make housing cost less?
By preventing the deferral of map revisions, it may reduce delays and uncertainty in property development and financing.
- Scored +2
Would business owners be better off under this?
Reduces administrative delays for land development projects involving fill.
- Scored +2
Does this improve help for people hit by a disaster?
It streamlines the letter of map revision process for flood insurance purposes.
The opposite
- Scored -2
Does this better protect air, water and wildlife?
The bill limits the ability to defer map revisions based on fill, which may reduce the scrutiny required for biological/endangered species protections.
- Scored -1
Does this give the federal government more power?
It limits the administrative discretion of FEMA/the Administrator.
Who it would affect, and how
Potential Positive Impacts for People
- Prohibition of Deferrals: Under Section 2(a), the Administrator is prohibited from deferring the issuance of letters of map revision or conditional letters of map revision based on the placement of fill. This could provide more certainty for those awaiting these documents.
Potential Negative Impacts for People
- Repeal Provision: According to Section 2(b), the changes made by this Act will be repealed once the Administrator of FEMA fully implements requirements from biological opinions issued by the Fish and Wildlife Service and the Assistant Administrator for Fisheries regarding letters of map revision based on the placement of fill.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would business owners be better off under this? — Reduces administrative delays for land development projects involving fill. Would farmers be better off under this? — Provides more certain land use and mapping timelines. Would middle-income households be better off under this? — Potentially helps homeowners stabilize flood insurance costs and mapping certainty. Would people in rural areas be better off under this? — Likely benefits rural landowners who utilize fill for property development.
- Social Issues And Justice
- Does this make housing cost less? — By preventing the deferral of map revisions, it may reduce delays and uncertainty in property development and financing.
- Governance And Ideology
- Does this give the federal government more power? — It limits the administrative discretion of FEMA/the Administrator.
- Environment Energy And Infrastructure
- Does this improve help for people hit by a disaster? — It streamlines the letter of map revision process for flood insurance purposes. Does this better protect air, water and wildlife? — The bill limits the ability to defer map revisions based on fill, which may reduce the scrutiny required for biological/endangered species protections.
- 6/9/2025
- 1 Cosponsor added.
- 6/6/2025
- Referred to the House Committee on Financial Services.
- 2 Cosponsors added.
- Introduced in House
Young KimRepublican · California
Doris MatsuiDemocrat · California
Brad ShermanDemocrat · California