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Source Delaware Essays Delaware Essays Matched to this deck.

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Congress requires all uninsured adults in coastal states to buy private flood insurance because uninsured losses shift costs into the national mortgage and disaster-relief markets. The requirement is defended only under the Commerce Clause.
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Congress may not justify the mandate under the Commerce Clause merely by converting inactivity into commerce, though a separately structured tax may require separate analysis. Congress may compel the purchase as a direct regulation of channels of interstate commerce. Congress may compel the purchase because refusing to buy a product is itself commerce. Congress may compel the purchase because every individual eventually affects some market.

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