3.0.0 3564 2025-05-27T14:15:46Z 2025-05-27T14:15:46Z House H HR 2023-05-22 118 <pre>[Congressional Record Volume 169, Number 86 (Monday, May 22, 2023)][House]From the Congressional Record Online through the Government Publishing Office [<a href="https://www.gpo.gov">www.gpo.gov</a>]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]</pre> 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. 118-103 118 524 HRES 2023-06-21 Motion to reconsider laid on the table Agreed to without objection. 13:58:34 Related bill House Procedurally-related House 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 https://www.cbo.gov/publication/59281 As reported by the House Committee on Financial Services onJune 7, 2023 2023-06-22T20:46:00Z 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 <p><b>Middle Class Borrower Protection Act of 2023 </b></p> <p>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.</p> <p>The bill reinstates the fee structure that was in place prior to May 1, 2023. </p> <p>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. </p> <p>After this period, FHFA must follow Administrative Procedure Act requirements when proposing adjustments to the fee structure. </p> <p>The bill also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk. </p> <p>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. </p>

07 2023-06-07 Reported to House 2023-06-26T15:14:00Z <p><b>Middle Class Borrower Protection Act of 2023 </b></p> <p>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.</p> <p>The bill reinstates the fee structure that was in place prior to May 1, 2023. </p> <p>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. </p> <p>After this period, FHFA must follow Administrative Procedure Act requirements when proposing adjustments to the fee structure. </p> <p>The bill also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk. </p> <p>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. </p>

53 2023-06-23 Passed House 2023-07-06T12:25:35Z <p><b>Middle Class Borrower Protection Act of 2023 </b></p> <p>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.</p> <p>(Sec. 2) This section reinstates the fee structure that was in place prior to May 1, 2023. </p> <p>(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. </p> <p>This section also requires that, to the greatest extent feasible, revisions to the fee schedule must be based on risk. </p> <p>(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. </p> <p>(Sec. 5) The GAO must report on the changes to the fees made by the FHFA. </p> <p>(Sec. 7) This section extends through FY2033 the authority of Fannie Mae and Freddie Mac to charge a guarantee fee.</p>

Display Title 45 2024-07-24T15:18:19Z Short Titles from RFS (Referred to Senate) bill text 255 2024-07-24T15:15:37Z S Senate Referred in Senate RFS Short Title(s) as Introduced 101 2024-05-24T13:40:02Z Introduced in House IH Short Title(s) as Reported to House 102 2024-05-24T13:39:40Z H House Reported in House RH Short Title(s) as Passed House 104 2024-05-24T13:39:12Z H House Engrossed in House EH Official Title as Introduced 6 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 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 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 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 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. 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