3.0.0
3564
2025-05-27T14:15:46Z
2025-05-27T14:15:46Z
House
H
HR
2023-05-22
118
[Congressional Record Volume 169, Number 86 (Monday, May 22, 2023)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. DAVIDSON:H.R. 3564.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the U.S. ConstitutionThe single subject of this legislation is:The Federal Housing Finance Agency[Page H2501]
- ssbk00
Banking, Housing, and Urban Affairs Committee
Senate
Standing
  - Referred To
2023-07-10T19:55:33Z
- hsba00
Financial Services Committee
House
Standing
  - Unknown
2023-06-23T15:14:22Z
  - Unknown
2023-06-23T15:07:52Z
  - Reported By
2023-06-07T18:25:10Z
  - Markup By
2023-05-24T15:34:44Z
  - Referred To
2023-05-22T16:04:45Z
H. Rept. 118-103

- Providing for consideration of the bill (H.R. 3564) to cancel recent changes made by the Federal Housing Finance Agency to the up-front loan level pricing adjustments charged by Fannie Mae and Freddie Mac for guarantee of single-family mortgages, and for other purposes; providing for consideration of the bill (H.R. 3799) to amend the Internal Revenue Code of 1986 to provide for health reimbursement arrangements integrated with individual health insurance coverage; and providing for consideration of the resolution (H. Res. 461) condemning the use of elementary and secondary school facilities to provide shelter for aliens who are not admitted to the United States.
118
524
HRES
2023-06-21
Motion to reconsider laid on the table Agreed to without objection.
13:58:34
  - Related bill
House
  - Procedurally-related
House

- Middle Class Borrower Protection Act of 2023
118
2296
S
2023-07-13
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
  - Related bill
CRS
- 2023-07-10
  - ssbk00
Banking, Housing, and Urban Affairs Committee
Senate
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
IntroReferral
- 2023-06-23
11:21:36
Motion to reconsider laid on the table Agreed to without objection.
Floor
H38310
2
House floor actions
- 2023-06-23
11:21:34
On passage Passed by the Yeas and Nays: 230 - 189 (Roll no. 289).
Floor
H37100
2
House floor actions
289
https://clerk.house.gov/evs/2023/roll289.xml
House
118
2023-06-23T15:21:34Z
1
- 2023-06-23
11:21:34
Passed/agreed to in House: On passage Passed by the Yeas and Nays: 230 - 189 (Roll no. 289).
Floor
8000
9
Library of Congress
289
https://clerk.house.gov/evs/2023/roll289.xml
House
118
2023-06-23T15:21:34Z
1
- 2023-06-23
11:14:22
On motion to recommit Failed by the Yeas and Nays: 197 - 214 (Roll no. 288).
Floor
H36210
2
House floor actions
  - hsba00
Financial Services Committee
288
https://clerk.house.gov/evs/2023/roll288.xml
House
118
2023-06-23T15:14:22Z
1
- 2023-06-23
11:08:08
The previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
Floor
H8A000
2
House floor actions
- 2023-06-23
11:07:52
Mr. Cleaver moved to recommit to the Committee on Financial Services. (text: CR H3127)
Floor
H36200
2
House floor actions
  - hsba00
Financial Services Committee
- 2023-06-23
11:07:03
The House adopted the amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.
Floor
H34400
2
House floor actions
- 2023-06-23
11:06:40
The previous question was ordered pursuant to the rule.
Floor
H35000
2
House floor actions
- 2023-06-23
11:05:42
The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3564.
Floor
H32600
2
House floor actions
- 2023-06-23
10:22:21
DEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Pettersen amendment No. 4.
Floor
H8D000
2
House floor actions
- 2023-06-23
10:17:50
DEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Lee (NV) amendment No. 3.
Floor
H8D000
2
House floor actions
- 2023-06-23
10:11:53
DEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Lee (NV) amendment No. 2.
Floor
H8D000
2
House floor actions
- 2023-06-23
10:07:00
DEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Boebert amendment No. 1.
Floor
H8D000
2
House floor actions
- 2023-06-23
09:17:06
GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3564.
Floor
H8D000
2
House floor actions
- 2023-06-23
09:16:56
House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 524 and Rule XVIII.
Floor
H32020
2
House floor actions
- 2023-06-23
09:16:56
The Speaker designated the Honorable Dan Newhouse to act as Chairman of the Committee.
Floor
H32400
2
House floor actions
- 2023-06-23
09:16:35
Rule provides for consideration of H.R. 3564, H.R. 3799 and H. Res. 461. The resolution provides for consideration of H.R. 3564 under a structured rule with one hour of general debate; H.R. 3799 under a structured rule with eighty minutes of general debate; and H.Res. 461, under a closed rule with one hour of general debate. The resolution provides for a motion to recommit on H.R. 3564 and H.R. 3799.
Floor
H8D000
2
House floor actions
- 2023-06-23
09:16:30
Considered under the provisions of rule H. Res. 524. (consideration: CR H3115-3128; text: CR H3120)
Floor
H30000
2
House floor actions
- 2023-06-20
20:24:51
Rules Committee Resolution H. Res. 524 Reported to House. Rule provides for consideration of H.R. 3564, H.R. 3799 and H. Res. 461. The resolution provides for consideration of H.R. 3564 under a structured rule with one hour of general debate; H.R. 3799 under a structured rule with eighty minutes of general debate; and H.Res. 461, under a closed rule with one hour of general debate. The resolution provides for a motion to recommit on H.R. 3564 and H.R. 3799.
Floor
H1L210
2
House floor actions
- 2023-06-07
Placed on the Union Calendar, Calendar No. 79.
Calendars
H12410
2
House floor actions
U00079
- 2023-06-07
Reported (Amended) by the Committee on Financial Services. H. Rept. 118-103.
Committee
H12200
2
House floor actions
  - hsba00
Financial Services Committee
- 2023-06-07
Reported (Amended) by the Committee on Financial Services. H. Rept. 118-103.
Committee
5000
9
Library of Congress
  - hsba00
Financial Services Committee
- 2023-05-24
  - hsba00
Financial Services Committee
1
House committee actions
Ordered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 26 - 22.
Committee
- 2023-05-24
  - hsba00
Financial Services Committee
1
House committee actions
Committee Consideration and Mark-up Session Held
Committee
- 2023-05-22
Referred to the House Committee on Financial Services.
IntroReferral
H11100
2
House floor actions
  - hsba00
Financial Services Committee
- 2023-05-22
Introduced in House
IntroReferral
Intro-H
9
Library of Congress
- 2023-05-22
Introduced in House
IntroReferral
1000
9
Library of Congress
- D000626
Rep. Davidson, Warren [R-OH-8]
Warren
Davidson
R
OH
8
N
- S001213
Rep. Steil, Bryan [R-WI-1]
Bryan
Steil
R
WI
1
2023-05-22
True
- L000599
Rep. Lawler, Michael [R-NY-17]
Michael
Lawler
R
NY
17
2023-05-22
True
- B000740
Rep. Bice, Stephanie I. [R-OK-5]
Stephanie
Bice
R
OK
I.
5
2023-05-22
True
- B001302
Rep. Biggs, Andy [R-AZ-5]
Andy
Biggs
R
AZ
5
2023-05-22
True
- M001195
Rep. Mooney, Alexander X. [R-WV-2]
Alexander
Mooney
R
WV
X.
2
2023-05-22
True
- H001058
Rep. Huizenga, Bill [R-MI-4]
Bill
Huizenga
R
MI
4
2023-05-22
True
- E000294
Rep. Emmer, Tom [R-MN-6]
Tom
Emmer
R
MN
6
2023-05-22
True
- A000372
Rep. Allen, Rick W. [R-GA-12]
Rick
Allen
R
GA
W.
12
2023-05-22
True
- L000583
Rep. Loudermilk, Barry [R-GA-11]
Barry
Loudermilk
R
GA
11
2023-05-22
True
- K000397
Rep. Kim, Young [R-CA-40]
Young
Kim
R
CA
40
2023-05-25
False
- Y000067
Rep. Yakym, Rudy [R-IN-2]
Rudy
Yakym
R
IN
2
2023-05-31
False
- H001093
Rep. Houchin, Erin [R-IN-9]
Erin
Houchin
R
IN
9
2023-06-05
False
- J000299
Rep. Johnson, Mike [R-LA-4]
Mike
Johnson
R
LA
4
2023-06-05
False
- 2023-06-20T19:02:00Z

H.R. 3564, Middle Class Borrower Protection Act of 2023
https://www.cbo.gov/publication/59281
As reported by the House Committee on Financial Services onJune 7, 2023
- 2023-06-22T20:46:00Z

Estimated Budgetary Effects of H.R. 3564, the Middle Class Borrower Protection Act of 2023
https://www.cbo.gov/publication/59292
As posted on the website of the House Committee on Rules on June 20, 2023https://rules.house.gov/bill/118/hr-3564
Finance and Financial Sector
- Administrative law and regulatory procedures
2023-06-22T15:15:22Z
- Congressional oversight
2023-06-22T15:15:22Z
- Credit and credit markets
2023-06-22T15:15:22Z
- Federal Housing Finance Agency
2023-06-22T15:15:22Z
- Government Accountability Office (GAO)
2023-06-22T15:15:22Z
- Government corporations and government-sponsored enterprises
2023-06-22T15:15:22Z
- Government information and archives
2023-06-22T15:15:22Z
- Government studies and investigations
2023-06-22T15:15:22Z
- Housing finance and home ownership
2023-06-22T15:15:22Z
- User charges and fees
2023-06-22T15:15:22Z
Finance and Financial Sector
2023-05-24T18:15:22Z
00
2023-05-22
Introduced in House
2023-06-20T14:25:46Z
Middle Class Borrower Protection Act of 2023
This bill rolls back changes made by the Federal Housing Finance Agency (FHFA) to the fees charged by Fannie Mae and Freddie Mac for a conventional single-family mortgage (i.e., loan-level pricing adjustments) and restricts future fee adjustments. These changes, effective May 1, 2023, revised the fee charts that provide percentage adjustments based on a mortgagor's credit score and down payment.
The bill reinstates the fee structure that was in place prior to May 1, 2023.
The Government Accountability Office (GAO) must report on the changes made by the FHFA. Further adjustments to the fee structure by FHFA are prohibited until 90 days after the publication of the GAO report.
After this period, FHFA must follow Administrative Procedure Act requirements when proposing adjustments to the fee structure.
The bill also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk.
Further, FHFA, Fannie Mae, and Freddie Mac are prohibited from imposing any loan-level pricing adjustment fee that is based on the ratio of the debt of the mortgagor to the income of the mortgagor.
07
2023-06-07
Reported to House
2023-06-26T15:14:00Z
Middle Class Borrower Protection Act of 2023
This bill rolls back changes made by the Federal Housing Finance Agency (FHFA) to the fees charged by Fannie Mae and Freddie Mac for a conventional single-family mortgage (i.e., loan-level pricing adjustments) and restricts future fee adjustments. These changes, effective May 1, 2023, revised the fee charts that provide percentage adjustments based on a mortgagor's credit score and down payment.
The bill reinstates the fee structure that was in place prior to May 1, 2023.
The Government Accountability Office (GAO) must report on the changes made by the FHFA. Further adjustments to the fee structure by FHFA are prohibited until 90 days after the publication of the GAO report.
After this period, FHFA must follow Administrative Procedure Act requirements when proposing adjustments to the fee structure.
The bill also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk.
Further, FHFA, Fannie Mae, and Freddie Mac are prohibited from imposing any loan-level pricing adjustment fee that is based on the ratio of the debt of the mortgagor to the income of the mortgagor.
53
2023-06-23
Passed House
2023-07-06T12:25:35Z
Middle Class Borrower Protection Act of 2023
This bill rolls back changes made by the Federal Housing Finance Agency (FHFA) to the fees charged by Fannie Mae and Freddie Mac for a conventional single-family mortgage (i.e., loan-level pricing adjustments) and restricts future fee adjustments. These changes, effective May 1, 2023, revised the fee charts that provide percentage adjustments based on a mortgagor's credit score and down payment.
(Sec. 2) This section reinstates the fee structure that was in place prior to May 1, 2023.
(Sec. 3) Further adjustments to the fee structure by FHFA are prohibited until 90 days after the publication of a report by the Government Accountability Office (GAO) required by section 5 of the bill. After this period, FHFA must follow Administrative Procedure Act requirements when proposing adjustments to the fee structure.
This section also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk.
(Sec. 4) FHFA, Fannie Mae, and Freddie Mac are prohibited from imposing any loan-level pricing adjustment fee that is based on the ratio of the debt of the mortgagor to the income of the mortgagor.
(Sec. 5) The GAO must report on the changes to the fees made by the FHFA.
(Sec. 7) This section extends through FY2033 the authority of Fannie Mae and Freddie Mac to charge a guarantee fee.

Middle Class Borrower Protection Act of 2023
- Display Title
45

Middle Class Borrower Protection Act of 2023
2024-07-24T15:18:19Z
- Short Titles from RFS (Referred to Senate) bill text
255

Middle Class Borrower Protection Act of 2023
2024-07-24T15:15:37Z
S
Senate
Referred in Senate
RFS
- Short Title(s) as Introduced
101

Middle Class Borrower Protection Act of 2023
2024-05-24T13:40:02Z
Introduced in House
IH
- Short Title(s) as Reported to House
102

Middle Class Borrower Protection Act of 2023
2024-05-24T13:39:40Z
H
House
Reported in House
RH
- Short Title(s) as Passed House
104

Middle Class Borrower Protection Act of 2023
2024-05-24T13:39:12Z
H
House
Engrossed in House
EH
- Official Title as Introduced
6

To cancel recent changes made by the Federal Housing Finance Agency to the up-front loan level pricing adjustments charged by Fannie Mae and Freddie Mac for guarantee of single-family mortgages, and for other purposes.
2024-03-18T20:57:21Z
Introduced in House
IH
214
118
HAMDT
An amendment numbered 4 printed in House Report 118-115 to prevent the legislation from being enacted if the FHFA Director determines that Sec. 2 would increase fees on middle class borrowers.
Amendment sought to prevent the legislation from being enacted if the Federal Housing Finance Agency Director determines that the repeal of recalibrated single-family pricing framework increases fees on middle class borrowers.
2024-03-18T20:51:47Z
2023-06-23
On agreeing to the Pettersen amendment (A004) Failed by recorded vote: 204 - 216 (Roll no. 287).
11:05:32
Roll no. 287
https://clerk.house.gov/evs/2023/roll287.xml
- P000620
Rep. Pettersen, Brittany [D-CO-7]
Brittany
Pettersen
D
CO
7
2023-06-23T04:00:00Z
House of Representatives
118
HR
House
H
3564

Middle Class Borrower Protection Act of 2023
2025-05-27
7
- 2023-06-23
11:05:32
On agreeing to the Pettersen amendment (A004) Failed by recorded vote: 204 - 216 (Roll no. 287).
Floor
H32111
2
House floor actions
287
House
118
2023-06-23T15:05:32Z
1
https://clerk.house.gov/evs/2023/roll287.xml
- 2023-06-23
10:20:48
Amendment (A004) offered by Ms. Pettersen. (consideration: CR H3125-3126; text: CR H3125)
Floor
H3A100
2
House floor actions
- 2023-06-23
House amendment offered
Floor
71000
9
Library of Congress
- 2023-06-23
10:20:48
House amendment offered/reported by: Amendment (A004) offered by Ms. Pettersen.(consideration: CR H3125-3126; text: CR H3125)
NotUsed
71500
9
Library of Congress
- 2023-06-23
11:05:32
Roll call votes on amendments in House
Floor
75000
9
Library of Congress
287
House
118
2023-06-23T15:05:32Z
1
https://clerk.house.gov/evs/2023/roll287.xml
- 2023-06-23
11:05:32
House amendment not agreed to: On agreeing to the Pettersen amendment (A004) Failed by recorded vote: 204 - 216 (Roll no. 287).
Floor
73000
9
Library of Congress
287
House
118
2023-06-23T15:05:32Z
1
https://clerk.house.gov/evs/2023/roll287.xml
- 2023-06-23
11:05:32
Amendment failed in Committee of the Whole
NotUsed
77000
9
Library of Congress
287
House
118
2023-06-23T15:05:32Z
1
https://clerk.house.gov/evs/2023/roll287.xml
213
118
HAMDT
An amendment numbered 3 printed in Part B of House Report 118-115 to require that the GAO study assess the recalibrated single-family pricing framework's impact on affordable housing preservation, rural housing, and manufactured housing.
2024-03-18T20:51:47Z
2023-06-23
On agreeing to the Lee (NV) amendment (A003) Agreed to by voice vote.
10:20:33
- L000590
Rep. Lee, Susie [D-NV-3]
Susie
Lee
D
NV
3
2023-06-23T04:00:00Z
House of Representatives
118
HR
House
H
3564

Middle Class Borrower Protection Act of 2023
2025-05-27
6
- 2023-06-23
10:20:33
On agreeing to the Lee (NV) amendment (A003) Agreed to by voice vote.
Floor
H32111
2
House floor actions
- 2023-06-23
10:16:57
Amendment (A003) offered by Ms. Lee (NV). (consideration: CR H3124-3125; text: CR H3124)
Floor
H3A100
2
House floor actions
- 2023-06-23
House amendment offered
Floor
71000
9
Library of Congress
- 2023-06-23
10:16:57
House amendment offered/reported by: Amendment (A003) offered by Ms. Lee (NV).(consideration: CR H3124-3125; text: CR H3124)
NotUsed
71500
9
Library of Congress
- 2023-06-23
10:20:33
Amendment agreed to Committee of the Whole
NotUsed
76000
9
Library of Congress
- 2023-06-23
10:20:33
House amendment agreed to: On agreeing to the Lee (NV) amendment (A003) Agreed to by voice vote.
Floor
72000
9
Library of Congress
212
118
HAMDT
An amendment numbered 2 printed in Part B of House Report 118-115 to require that the GAO study assess the recalibrated single-family pricing frameworks impact on first-time, low-income homebuyers.
2024-03-18T20:51:47Z
2023-06-23
On agreeing to the Lee (NV) amendment (A002) Agreed to by voice vote.
10:16:41
- L000590
Rep. Lee, Susie [D-NV-3]
Susie
Lee
D
NV
3
2023-06-23T04:00:00Z
House of Representatives
118
HR
House
H
3564

Middle Class Borrower Protection Act of 2023
2025-05-27
6
- 2023-06-23
10:16:41
On agreeing to the Lee (NV) amendment (A002) Agreed to by voice vote.
Floor
H32111
2
House floor actions
- 2023-06-23
10:11:40
Amendment (A002) offered by Ms. Lee (NV). (consideration: CR H3123-3124; text: CR H3124)
Floor
H3A100
2
House floor actions
- 2023-06-23
House amendment offered
Floor
71000
9
Library of Congress
- 2023-06-23
10:11:40
House amendment offered/reported by: Amendment (A002) offered by Ms. Lee (NV).(consideration: CR H3123-3124; text: CR H3124)
NotUsed
71500
9
Library of Congress
- 2023-06-23
10:16:41
House amendment agreed to: On agreeing to the Lee (NV) amendment (A002) Agreed to by voice vote.
Floor
72000
9
Library of Congress
- 2023-06-23
10:16:41
Amendment agreed to Committee of the Whole
NotUsed
76000
9
Library of Congress
211
118
HAMDT
An amendment numbered 1 printed in Part B of House Report 118-115 to require the GAO Study in Section 5 to also be made available to the public online.
2024-03-18T20:51:47Z
2023-06-23
On agreeing to the Boebert amendment (A001) Agreed to by voice vote.
10:11:28
- B000825
Rep. Boebert, Lauren [R-CO-3]
Lauren
Boebert
R
CO
3
2023-06-23T04:00:00Z
House of Representatives
118
HR
House
H
3564

Middle Class Borrower Protection Act of 2023
2025-05-27
6
- 2023-06-23
10:11:28
On agreeing to the Boebert amendment (A001) Agreed to by voice vote.
Floor
H32111
2
House floor actions
- 2023-06-23
10:06:10
Amendment (A001) offered by Mrs. Boebert. (consideration: CR H3120-3123; text: CR H3121)
Floor
H3A100
2
House floor actions
- 2023-06-23
House amendment offered
Floor
71000
9
Library of Congress
- 2023-06-23
10:06:10
House amendment offered/reported by: Amendment (A001) offered by Mrs. Boebert.(consideration: CR H3120-3123; text: CR H3121)
NotUsed
71500
9
Library of Congress
- 2023-06-23
10:11:28
House amendment agreed to: On agreeing to the Boebert amendment (A001) Agreed to by voice vote.
Floor
72000
9
Library of Congress
- 2023-06-23
10:11:28
Amendment agreed to Committee of the Whole
NotUsed
76000
9
Library of Congress
- Referred in Senate
2023-07-10T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr3564rfs/xml/BILLS-118hr3564rfs.xml
- Engrossed in House
2023-06-23T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr3564eh/xml/BILLS-118hr3564eh.xml
- Reported in House
2023-06-07T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr3564rh/xml/BILLS-118hr3564rh.xml
- Introduced in House
2023-05-22T04:00:00Z
  - https://www.govinfo.gov/content/pkg/BILLS-118hr3564ih/xml/BILLS-118hr3564ih.xml
2023-07-10
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
text/xml
EN
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.
Congressional Research Service, Library of Congress
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.