houseStanding
Financial Services Committee
- Referred To
← Back to federal legislation
H.R. 53In committee
Responsible Borrower Protection Act of 2025
Introduced: Jan 3, 2025
Latest action date: Jan 3, 2025
Latest development
Referred to the House Committee on Financial Services.
Your view
- Congress
- 119th Congress
- Introduced
- Jan 3, 2025
- Recorded roll calls
- 0
Status detail: The most advanced recorded stage is committee consideration.
Plain-language overview
What this bill does
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.
Civixly topics
What this legislation is about
Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.
Official CRS policy area
Finance and Financial Sector
View 5 official legislative subjects
Credit and credit marketsGovernment National Mortgage Association (Ginnie Mae)Housing finance and home ownershipInflation and pricesUser charges and fees
Committee activity
Committees and subcommittees that received, reviewed, marked up, or reported this legislation.
Official committee record ↗
Amendments
Proposed changes to this measure, with their latest official outcome or action from Congress.gov.
No amendments are listed for this measure.
Checked against Congress.gov Sep 15, 2026.
Action timeline
Newest action first. Action language comes from the official Congress.gov record.
View full action timeline3 actions
Referred to the House Committee on Financial Services.
IntroReferralHouse floor actionsIntroduced in House
IntroReferralLibrary of CongressIntroduced in House
IntroReferralLibrary of Congress
Roll-call votes
Recorded House and Senate votes connected to this bill. Your representatives appear first when available.
No connected roll-call votes are currently available for this bill.
Discussion
0 comments
Sign in to join the discussion.Comments are publicly visible.
Loading comments...