# 119-hr-3800: Keeping Homeownership Costs Down Act

119-hr-3800, Keeping Homeownership Costs Down Act, is a 119th Congress bill sponsored by Rep. LaMalfa, Doug [R-CA-1] (R-CA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3800
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3800
- Congress: 119
- Title: Keeping Homeownership Costs Down Act
- Status: introduced
- Introduced: 2025-06-06
- Sponsor: Rep. LaMalfa, Doug [R-CA-1] (R-CA)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**This bill would bar FEMA from deferring issuance of letters of map revision or conditional letters of map revision based on the placement of fill.** - Homeowners and developers: Owners or developers seeking map revisions tied to added fill would no longer face deferrals for those letters. - Local officials: Flood map decisions used for planning or permitting would proceed without deferral tied to fill. - FEMA and environmental reviews: The change is temporary and would be repealed when FEMA fully implements biological opinions from the Fish and Wildlife Service and NOAA Fisheries under the Endangered Species Act. The bill also states that nothing in this subsection affects the review, determination, or issuance of those letters.

## Cosponsors (3)

- Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-06-06T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-06-06T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-06-09T00:00:00.000Z

## Provisions PRIA read

- No FEMA delays on flood map changes: benefit, medium. This bill would stop FEMA from deferring letters of map revision and conditional letters that are based on the placement of fill. Homeowners, builders, and lenders who apply for these flood map changes would get a decision without extra delay. This could help lower flood insurance costs or let buil…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1105: Disaster Resiliency and Coverage Act of 2025
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-2725: Affordable Housing Credit Improvement Act of 2025

## Sources
- [119-hr-3800 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3800)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1105: Disaster Resiliency and Coverage Act of 2025](https://policyrisk.com/legislation/119-hr-1105)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-2725: Affordable Housing Credit Improvement Act of 2025](https://policyrisk.com/legislation/119-hr-2725)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3800 (as of 2026-04-21).