3.0.0 53 2026-09-19T23:06:32Z 2026-09-19T23:06:32Z House H HR 2025-01-03 119 https://www.congress.gov/bill/119th-congress/house-bill/53 [Congressional Record Volume 171, Number 1 (Friday, January 3, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. BIGGS of Arizona:H.R. 53.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8The single subject of this legislation is:The single subject of this bill is to cancel proposedchanges to credit fees charged by the Federal NationalMortgage Association and Federal Home Loan MortgageCorporation.[Page H37]]]> hsba00 Financial Services Committee House Standing Referred To 2025-01-03T16:10:40Z 2025-01-03 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2025-01-03 Introduced in House IntroReferral Intro-H 9 Library of Congress 2025-01-03 Introduced in House IntroReferral 1000 9 Library of Congress B001302 Rep. Biggs, Andy [R-AZ-5] Andy Biggs R AZ 5 N O000175 Rep. Ogles, Andrew [R-TN-5] Andrew Ogles R TN 5 2025-01-03 True B001316 Rep. Burlison, Eric [R-MO-7] Eric Burlison R MO 7 2025-01-03 True W000814 Rep. Weber, Randy K. Sr. [R-TX-14] Randy Weber R TX K. 14 2025-01-03 True C001118 Rep. Cline, Ben [R-VA-6] Ben Cline R VA 6 2025-01-03 True B001295 Rep. Bost, Mike [R-IL-12] Mike Bost R IL 12 2025-01-03 True C001115 Rep. Cloud, Michael [R-TX-27] Michael Cloud R TX 27 2025-01-03 True D000032 Rep. Donalds, Byron [R-FL-19] Byron Donalds R FL 19 2025-01-14 False Finance and Financial Sector Credit and credit markets 2025-06-04T15:07:04Z Government National Mortgage Association (Ginnie Mae) 2025-06-04T15:01:10Z Housing finance and home ownership 2025-06-04T15:06:15Z Inflation and prices 2025-06-04T15:06:29Z User charges and fees 2025-06-04T15:06:35Z Finance and Financial Sector 2025-02-04T12:57:23Z 00 2025-01-03 Introduced in House 2025-02-25T20:42:35Z Responsible Borrower Protection Act of 2025

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.

]]> Responsible Borrower Protection Act of 2025 Display Title 45 Responsible Borrower Protection Act of 2025 2026-09-19T23:06:32Z Short Title(s) as Introduced 101 Responsible Borrower Protection Act of 2025 2025-01-29T12:23:16Z Introduced in House IH Official Title as Introduced 6 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. 2025-01-29T12:18:21Z Introduced in House IH Introduced in House 2025-01-03T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-119hr53ih/xml/BILLS-119hr53ih.xml 2025-01-03 Referred to the House Committee on Financial Services. 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.