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    <number>2960</number>
    <updateDate>2025-12-05T08:50:25Z</updateDate>
    <updateDateIncludingText>2025-12-05T08:50:25Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2023-04-27</introducedDate>
    <congress>118</congress>
    <legislationUrl>https://www.congress.gov/bill/118th-congress/house-bill/2960</legislationUrl>
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      <constitutionalAuthorityStatementText>&lt;pre&gt;[Congressional Record Volume 169, Number 71 (Thursday, April 27, 2023)][House]From the Congressional Record Online through the Government Publishing Office [&lt;a href="https://www.gpo.gov"&gt;www.gpo.gov&lt;/a&gt;]By Mr. LAWLER:H.R. 2960.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States ConstitutionThe single subject of this legislation is:Credit Fees[Page H2087]&lt;/pre&gt;</constitutionalAuthorityStatementText>
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        <title>To cancel certain proposed changes to loan level price adjustments by the Federal National Mortgage Association and credit fees charged by the Federal Home Loan Mortgage Corporation.</title>
        <congress>118</congress>
        <number>2876</number>
        <type>HR</type>
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          <actionDate>2023-04-26</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
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        <title>Responsible Borrower Protection Act of 2023</title>
        <congress>118</congress>
        <number>2928</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2023-04-27</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
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            <identifiedBy>CRS</identifiedBy>
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        <title>Secure Americans from Financial Exploitation (SAFE) Act</title>
        <congress>118</congress>
        <number>3041</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2023-05-02</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
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        <actionDate>2023-04-27</actionDate>
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        <fullName>Rep. Lawler, Michael [R-NY-17]</fullName>
        <firstName>Michael</firstName>
        <lastName>Lawler</lastName>
        <party>R</party>
        <state>NY</state>
        <district>17</district>
        <isByRequest>N</isByRequest>
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        <bioguideId>A000377</bioguideId>
        <fullName>Rep. Armstrong, Kelly [R-ND-At Large]</fullName>
        <firstName>Kelly</firstName>
        <lastName>Armstrong</lastName>
        <party>R</party>
        <state>ND</state>
        <district>0</district>
        <sponsorshipDate>2023-04-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>B000740</bioguideId>
        <fullName>Rep. Bice, Stephanie I. [R-OK-5]</fullName>
        <firstName>Stephanie</firstName>
        <lastName>Bice</lastName>
        <party>R</party>
        <state>OK</state>
        <middleName>I.</middleName>
        <district>5</district>
        <sponsorshipDate>2023-04-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>L000583</bioguideId>
        <fullName>Rep. Loudermilk, Barry [R-GA-11]</fullName>
        <firstName>Barry</firstName>
        <lastName>Loudermilk</lastName>
        <party>R</party>
        <state>GA</state>
        <district>11</district>
        <sponsorshipDate>2023-04-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <fullName>Rep. Mace, Nancy [R-SC-1]</fullName>
        <firstName>Nancy</firstName>
        <lastName>Mace</lastName>
        <party>R</party>
        <state>SC</state>
        <district>1</district>
        <sponsorshipDate>2023-04-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>S001214</bioguideId>
        <fullName>Rep. Steube, W. Gregory [R-FL-17]</fullName>
        <firstName>W.</firstName>
        <lastName>Steube</lastName>
        <party>R</party>
        <state>FL</state>
        <middleName>Gregory</middleName>
        <district>17</district>
        <sponsorshipDate>2023-05-02</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>E000246</bioguideId>
        <fullName>Rep. Edwards, Chuck [R-NC-11]</fullName>
        <firstName>Chuck</firstName>
        <lastName>Edwards</lastName>
        <party>R</party>
        <state>NC</state>
        <district>11</district>
        <sponsorshipDate>2023-05-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <name>Finance and Financial Sector</name>
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      <policyArea>
        <name>Finance and Financial Sector</name>
        <updateDate>2023-05-11T13:01:08Z</updateDate>
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        <actionDate>2023-04-27</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2023-11-09T22:23:59Z</updateDate>
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          <text>&lt;p class="MsoNormal" style="line-height: normal;"&gt;&lt;b&gt;Fairness in Borrowing Act of 2023&lt;/b&gt;&lt;/p&gt; &lt;p class="MsoNormal" style="line-height: normal;"&gt;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 their January 2023-announced changes to the single-family pricing framework for fees on purchase, rate-term refinance, and cash-out refinance loans. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other factors. &lt;/p&gt; &lt;p class="MsoNormal" style="line-height: normal;"&gt; &lt;/p&gt; &lt;p class="MsoNormal" style="line-height: normal;"&gt; &lt;/p&gt;</text>
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    <title>Fairness in Borrowing Act of 2023</title>
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        <titleType>Display Title</titleType>
        <titleTypeCode>45</titleTypeCode>
        <title>Fairness in Borrowing Act of 2023</title>
        <updateDate>2024-07-24T15:22:27Z</updateDate>
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        <titleTypeCode>101</titleTypeCode>
        <title>Fairness in Borrowing Act of 2023</title>
        <updateDate>2024-05-24T13:40:27Z</updateDate>
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        <title>To cancel certain proposed changes to credit fees charged by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation, and for other purposes.</title>
        <updateDate>2024-03-18T20:41:33Z</updateDate>
        <billTextVersionName>Introduced in House</billTextVersionName>
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        <type>Introduced in House</type>
        <date>2023-04-27T04:00:00Z</date>
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            <url>https://www.govinfo.gov/content/pkg/BILLS-118hr2960ih/xml/BILLS-118hr2960ih.xml</url>
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    <latestAction>
      <actionDate>2023-04-27</actionDate>
      <text>Referred to the House Committee on Financial Services.</text>
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    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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