Responsible Borrower Protection Act of 2025
U.S. Congress · HR53 ·
What the bill says
Introduced 2025-01-03. Latest action: Referred to the House Committee on Financial Services.
Summary (plain-language)
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.
Sponsors
- Andy Biggs (primary)
- Mike Bost
- Eric Burlison
- Michael Cloud
- Ben Cline
- Byron Donalds
- Andrew Ogles
- Randy K. Weber, Sr.
Text versions
- Introduced in House — 2025-01-03 — XML
What analysts say
No nonpartisan analysis on file for this measure yet.
What politicians say
No linked claims or utterances yet — no one on record has cited this measure to justify a public argument.
Action History
| Date | Action |
|---|---|
| 2025-01-03 | Introduced in House |
| 2025-01-03 | Referred to the House Committee on Financial Services. |