H.R. 6547: Least Cost Exception Act · Congress Swing Tracker

H.R. 6547119th CongressFinance and Financial Sector

Least Cost Exception Act

Sponsored by Rep. Mike Flood (R-NE) · 4 active : 2 Republicans, 2 Democrats

Latest action: Placed on the Union Calendar, Calendar No. 405.

Read the summary

Where it standsBefore the House

Hasn’t passed either chamber

House: next
Senate: not yet
President: not yet

68 representatives score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

Least Cost Exception Act

This bill allows the Federal Deposit Insurance Corporation (FDIC) to waive the least-cost resolution requirement for failed insured depository institutions and use alternative methods of resolution, particularly alternatives that do not involve global systemically important banks (G-SIBs).

Under current law, the FDIC must use the resolution method (such as a deposit payoff or the purchase and assumption of a bank’s assets and liabilities) that costs the FDIC's Deposit Insurance Fund the least to implement when an insured depository institution fails.

Read full summary

The bill provides an exception to this requirement if the following criteria are met:

the alternative method is the least costly of all alternatives that do not involve a G-SIB and that do not exceed the cost of liquidation;

the difference in cost between the selected alternative and the cost of a resolution involving a purchase and assumption by a G-SIB is less than a maximum cost as established by rule;

if the alternative involves a person purchasing assets or assuming liabilities, that person must pay an assessment to the FDIC; and

it is determined that the risks to the fund are outweighed by the benefits of limiting the concentration of U.S. banking under G-SIBs.

FDIC must issue a report on any use of the exception established by this bill containing an analysis of the economic impact of cost differences between the selected alternative and the least-cost alternative.

Committees and subjects

Committees

House Committee on Financial Services · HouseReported by · Markup by · Referred to

Subjects

Accounting and auditing
Bank accounts, deposits, capital
Banking and financial institutions regulation
Congressional oversight
Corporate finance and management
Federal Deposit Insurance Corporation (FDIC)
Performance measurement
User charges and fees

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the House breaks down

68Swing 70–100
216Middle 30–70
143Entrenched 0–30
6Insufficient data not ranked

Members fall into . 6 representatives don’t have enough data yet and are marked “insufficient data”. Non-voting delegates are not counted.

Key players in the House

Ranked by swing score, 0–100 · swing-v3, directional

: only movement toward the other party counts, so members who sit further from the center than their party no longer score as swing votes.

Bars show each input from 0 to 100: ideology gap, scorecard gap, , and the . is the seat’s partisan lean, and shows how much of the input data a score has.

Similar past votes, House

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the House: total similarity weight 20.5 (needs 5.0).

H.R. 6955 · Jul 21, 2026 · Roll call 631On PassageMain Street Act
PassedShared subjects×1.0
S.J.Res. 13 · May 20, 2025 · Roll call 136On PassageProviding for congressional disapproval of the rule submitted by the Office of the Comptroller of the Currency of the Department of the Treasury relating to the review of applications under the Bank Merger Act
PassedShared subjects×1.0
S.J.Res. 18 · Apr 9, 2025 · Roll call 95On PassageDisapproving the rule submitted by the Bureau of Consumer Financial Protection relating to “Overdraft Lending: Very Large Financial Institutions”
PassedShared subjects×1.0
H.R. 1181 · Jul 14, 2026 · Roll call 600On PassageProtecting Privacy in Purchases Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 327On PassageIncreasing Investor Opportunities Act
PassedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 326On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 325On Agreeing to the Amendment
FailedSame policy area×0.5
H.R. 3383 · Dec 11, 2025 · Roll call 324On Agreeing to the Amendment
FailedSame policy area×0.5

Show 17 more

H.R. 3357 · Jul 23, 2025 · Roll call 216On Motion to Suspend the Rules and Pass, as AmendedEnhancing Multi-Class Share Disclosures Act
PassedSame policy area×0.5
H.R. 1919 · Jul 17, 2025 · Roll call 200On PassageAnti-CBDC Surveillance State Act
PassedSame policy area×0.5
S. 1582 · Jul 17, 2025 · Roll call 199On PassageGENIUS Act
PassedSame policy area×0.5
H.R. 3633 · Jul 17, 2025 · Roll call 198On PassageCLARITY Act
PassedSame policy area

Cosponsors

4 active

Show all 4 cosponsors

Bill Foster (D-IL-11)
John W. Rose (R-TN-6)
Jared Moskowitz (D-FL-23)
Michael Lawler (R-NY-17)

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.

1
Josh GottheimerDemocrat · New Jersey 5th · Lean D+2House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 25% of 36 similar votes
95Swing
ContactCall 202-225-4465 Website
2
Jared F. GoldenDemocrat · Maine 2nd · Lean R+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 32% of 38 similar votes
94Swing
ContactCall 202-225-6306 Website
3
Marie Gluesenkamp PerezDemocrat · Washington 3rd · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 35% of 38 similar votes
93Swing
ContactCall 202-225-3536 Website
4
Brian K. FitzpatrickRepublican · Pennsylvania 1st · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 16% of 38 similar votes
93Swing
ContactCall 202-225-4276 Website
5
Andrew R. GarbarinoRepublican · New York 2nd · Lean R+6House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
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Committee
Broke with party on 7% of 37 similar votes
92Swing
ContactCall
6
Henry CuellarDemocrat · Texas 28th · Lean R+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 39% of 38 similar votes
92Swing
ContactCall 202-225-1640 Website
7
Zachary NunnRepublican · Iowa 3rd · Lean R+2House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 5% of 35 similar votes
91Swing
ContactCall
8
Don BaconRepublican · Nebraska 2nd · Lean D+3On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 8% of 38 similar votes
91Swing
ContactCall 202-225-4155 Website
9
Thomas H. KeanRepublican · New Jersey 7th · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 8% of 37 similar votes
90Swing
ContactCall 202-225-5361 Website
10
Maria Elvira SalazarRepublican · Florida 27th · Lean R+6House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 6% of 33 similar votes
88Swing
ContactCall

Show the other 58 swing representatives

11
David G. ValadaoRepublican · California 22nd · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 28 similar votes
88Swing
ContactCall 202-225-4695 Website
12
Donald G. DavisDemocrat · North Carolina 1st · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 34% of 38 similar votes
88Swing
ContactCall 202-225-3101 Website
13
Thomas R. SuozziDemocrat · New York 3rd · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 26% of 33 similar votes
88Swing
ContactCall 202-225-3335 Website
14
Adam GrayDemocrat · California 13th · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 36% of 13 similar votes
88Swing
ContactCall 202-225-1947 Website
15
Laura GillenDemocrat · New York 4th · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 26% of 9 similar votes
88Swing
ContactCall 202-225-5516 Website
16
Young KimRepublican · California 40th · Lean R+1House Committee on Financial ServicesOn the ballot
Ideology gap
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Cross-pressure
Similar votes
Committee
Broke with party on 6% of 38 similar votes
87Swing
ContactCall
17
Jennifer A. KiggansRepublican · Virginia 2nd · Lean EVENOn the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 7% of 38 similar votes
87Swing
ContactCall 202-225-4215 Website
18
Susie LeeDemocrat · Nevada 3rd · Lean D+1On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 23% of 36 similar votes
87Swing
ContactCall 202-225-3252 Website
19
Nick LaLotaRepublican · New York 1st · Lean R+4On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 8% of 38 similar votes
87Swing
ContactCall 202-225-3826 Website
20
Kevin KileyIndependent · California 3rd · Lean R+2On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 6% of 38 similar votes
87Swing
ContactCall 202-225-2523 Website
21
Ryan MackenzieRepublican · Pennsylvania 7th · Lean R+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 16% of 13 similar votes
86Swing
ContactCall 202-225-6411 Website
22
Chris PappasDemocrat · New Hampshire 1st · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 24% of 38 similar votes
85Swing
ContactCall 202-225-5456 Website
23
Michael R. TurnerRepublican · Ohio 10th · Lean R+3On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 6% of 38 similar votes
85Swing
ContactCall 202-225-6465 Website
24
Vicente GonzalezDemocrat · Texas 34th · Lean EVENHouse Committee on Financial ServicesOn the ballot
Ideology gap
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Cross-pressure
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Committee
Broke with party on 22% of 38 similar votes
84Swing
ContactCall
25
Robert P. BresnahanRepublican · Pennsylvania 8th · Lean R+4On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 13 similar votes
84Swing
ContactCall 202-225-5546 Website
26
Derek TranDemocrat · California 45th · Lean D+1On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 20% of 13 similar votes
83Swing
ContactCall 202-225-2415 Website
27
Jim CostaDemocrat · California 21st · Lean D+4On the ballot
Ideology gap
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Similar votes
CommitteeNo committee seatBroke with party on 26% of 36 similar votes
83Swing
ContactCall 202-225-3341 Website
28
Kristen McDonald RivetDemocrat · Michigan 8th · Lean R+1On the ballot
Ideology gap
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Cross-pressure
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CommitteeNo committee seatBroke with party on 22% of 13 similar votes
82Swing
ContactCall 202-225-3611 Website
29
David P. JoyceRepublican · Ohio 14th · Lean R+9On the ballot
Ideology gap
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CommitteeNo committee seatBroke with party on 6% of 37 similar votes
81Swing
ContactCall 202-225-5731 Website
30
Eugene Simon VindmanDemocrat · Virginia 7th · Lean D+2On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 18% of 13 similar votes
80Swing
ContactCall 202-225-2815 Website
31
Maggie GoodlanderDemocrat · New Hampshire 2nd · Lean D+2On the ballot
Ideology gap
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Cross-pressure
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CommitteeNo committee seatBroke with party on 15% of 13 similar votes
80Swing
ContactCall 202-225-5206 Website
32
Janelle S. BynumDemocrat · Oregon 5th · Lean D+4House Committee on Financial ServicesOn the ballot
Ideology gap
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Cross-pressure
Similar votes
Committee
Broke with party on 18% of 13 similar votes
80Swing
ContactCall
33
Kim SchrierDemocrat · Washington 8th · Lean D+3On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 20% of 38 similar votes
79Swing
ContactCall 202-225-7761 Website
34
Ken CalvertRepublican · California 41st · Lean R+2On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 38 similar votes
78Swing
ContactCall 202-225-1986 Website
35
Jeff HurdRepublican · Colorado 3rd · Lean R+5On the ballot
Ideology gap
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Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 13 similar votes
77Swing
ContactCall 202-225-4676 Website
36
Hillary J. ScholtenDemocrat · Michigan 3rd · Lean D+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 21% of 37 similar votes
77Swing
ContactCall 202-225-3831 Website
37
Gabe EvansRepublican · Colorado 8th · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 13 similar votes
76Swing
ContactCall 202-225-5625 Website
38
Juan CiscomaniRepublican · Arizona 6th · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 6% of 37 similar votes
76Swing
ContactCall 202-225-2542 Website
39
Gabe VasquezDemocrat · New Mexico 2nd · Lean EVENOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 19% of 38 similar votes
76Swing
ContactCall 202-225-2365 Website
40
Dan NewhouseRepublican · Washington 4th · Lean R+10On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 38 similar votes
75Swing
ContactCall 202-225-5816 Website
41
Darren SotoDemocrat · Florida 9th · Lean D+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 22% of 38 similar votes
75Swing
ContactCall 202-225-9889 Website
42
Frank D. LucasRepublican · Oklahoma 3rd · Lean R+23House Committee on Financial ServicesOn the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 5% of 38 similar votes
75Swing
ContactCall
43
Jay ObernolteRepublican · California 23rd · Lean R+8On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 37 similar votes
75Swing
ContactCall 202-225-5861 Website
44
Josh RileyDemocrat · New York 19th · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 17% of 13 similar votes
75Swing
ContactCall 202-225-5441 Website
45
Ami BeraDemocrat · California 6th · Lean D+8On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 18% of 38 similar votes
75Swing
ContactCall 202-225-5716 Website
46
Michael K. SimpsonRepublican · Idaho 2nd · Lean R+13On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 6% of 37 similar votes
74Swing
ContactCall 202-225-5531 Website
47
Chuck EdwardsRepublican · North Carolina 11th · Lean R+5On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 38 similar votes
74Swing
ContactCall 202-225-6401 Website
48
Derrick Van OrdenRepublican · Wisconsin 3rd · Lean R+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 37 similar votes
74Swing
ContactCall 202-225-5506 Website
49
J. French HillRepublican · Arkansas 2nd · Lean R+8House Committee on Financial Services (Chair)On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
Committee
Broke with party on 3% of 37 similar votes
74Swing
ContactCall
50
Carlos A. GimenezRepublican · Florida 28th · Lean R+10On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 4% of 34 similar votes
74Swing
ContactCall 202-225-2778 Website
51
Greg LandsmanDemocrat · Ohio 1st · Lean D+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 19% of 30 similar votes
73Swing
ContactCall 202-225-2216 Website
52
Mariannette Miller-MeeksRepublican · Iowa 1st · Lean R+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 4% of 38 similar votes
73Swing
ContactCall 202-225-6576 Website
53
Josh HarderDemocrat · California 9th · Lean D+1On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 23% of 38 similar votes
73Swing
ContactCall 202-225-4540 Website
54
John JamesRepublican · Michigan 10th · Lean R+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 36 similar votes
73Swing
ContactCall 202-225-4961 Website
54
Patrick RyanDemocrat · New York 18th · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 17% of 37 similar votes
73Swing
ContactCall 202-225-5614 Website
56
Mike CareyRepublican · Ohio 15th · Lean R+4On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 38 similar votes
73Swing
ContactCall 202-225-2015 Website
57
Marcy KapturDemocrat · Ohio 9th · Lean R+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 8% of 38 similar votes
72Swing
ContactCall 202-225-4146 Website
58
Scott H. PetersDemocrat · California 50th · Lean D+16On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 16% of 38 similar votes
72Swing
ContactCall 202-225-0508 Website
59
Max L. MillerRepublican · Ohio 7th · Lean R+5On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 38 similar votes
72Swing
ContactCall 202-225-3876 Website
60
Sharice DavidsDemocrat · Kansas 3rd · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 14% of 38 similar votes
72Swing
ContactCall 202-225-2865 Website
61
Steven HorsfordDemocrat · Nevada 4th · Lean D+2On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 16% of 36 similar votes
72Swing
ContactCall 202-225-9894 Website
62
George WhitesidesDemocrat · California 27th · Lean D+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 15% of 13 similar votes
72Swing
ContactCall 202-225-1956 Website
63
Angie CraigDemocrat · Minnesota 2nd · Lean D+3On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 21% of 37 similar votes
72Swing
ContactCall 202-225-2271 Website
64
Chrissy HoulahanDemocrat · Pennsylvania 6th · Lean D+6On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 24% of 37 similar votes
71Swing
ContactCall 202-225-4315 Website
65
Nicole MalliotakisRepublican · New York 11th · Lean R+10On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 3% of 38 similar votes
71Swing
ContactCall 202-225-3371 Website
66
Mario Diaz-BalartRepublican · Florida 26th · Lean R+16On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 38 similar votes
71Swing
ContactCall 202-225-4211 Website
67
Suhas SubramanyamDemocrat · Virginia 10th · Lean D+6On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 11% of 13 similar votes
71Swing
ContactCall 202-225-5136 Website
68
Tom ColeRepublican · Oklahoma 4th · Lean R+17On the ballot
Ideology gap
Scorecard gap
Cross-pressure
Similar votes
CommitteeNo committee seatBroke with party on 5% of 38 similar votes
71Swing
ContactCall 202-225-6165 Website