H.R. 53

119th Congress

In Committee

Responsible Borrower Protection Act of 2025

Sponsored byRepublican:Rep. Biggs, Andy [R-AZ-5]AZ· Introduced 3 January 2025
Open on Congress.gov

7

Cosponsors

3

Actions

0

Amendments

1

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 1 of 0
Latest action

Referred to the House Committee on Financial Services.

3 January 2025·1 year ago

Summary

Introduced in House · Updated 25 February 2025

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.

Timeline

3 actions

  1. Referred to the House Committee on Financial Services.

    3 January 2025 · IntroReferral

  2. Introduced in House

    3 January 2025 · IntroReferral

  3. Introduced in House

    3 January 2025 · IntroReferral

Sponsorship

7 cosponsors

Sponsor

Republican:Rep. Biggs, Andy [R-AZ-5]AZ

Cosponsors

  • Republican7100%

Classification

Policy area

Finance and Financial Sector

Legislative subjects

Credit and credit marketsGovernment National Mortgage Association (Ginnie Mae)Housing finance and home ownershipInflation and pricesUser charges and fees

Committees

1

  • Financial Services Committee

    House · Standing

    • Referred To3 Jan 2025

Cosponsor momentum

Cumulative over time

Cosponsors grew from 6 on 3 January 2025 to 7 on 14 January 2025.

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