119th Congress Finance and Financial Sector
H.R. 53: Responsible Borrower Protection Act of 2025
Introduced
- Introduced (completed)
- Passed House (not reached)
- Passed Senate (not reached)
- To the President (not reached)
- Became law (not reached)
Summary
This bill prohibits the Federal Housing Finance Agency, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac) from implementing changes to the single-family home loan pricing framework for upfront fees on certain home loans, announced in January 2023. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other risk factors. Overall, these changes increase the percentage adjustments, with variations based on the particular risk profile of the loan.
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Cosponsors
- Mike Bost R-ILOriginal
- Eric Burlison R-MOOriginal
- Michael Cloud R-TXOriginal
- Ben Cline R-VAOriginal
- Andrew Ogles R-TNOriginal
- Randy Weber R-TXOriginal
- Byron Donalds R-FL
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History
- Introduced in the House by Andy Biggs.
Show the full action history (2 actions)
- Introduced in House
- Referred to the House Committee on Financial Services.