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HR. 53 · 119th Congress

Responsible Borrower Protection Act of 2025

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Bill details

Introduced: 1/3/2025
Status: Referred to the House Committee on Financial Services.
Bill ID: 119hr53
Latest action: Referred to the House Committee on Financial Services.

Summary

Introduced in House

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.

Source: BILLSUM · Summary date: 1/3/2025

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Summary source label: BILLSUM
Congress.gov bill →GovInfo bill text (BILLS) →GovInfo summaries (BILLSUM) →OurCongress methodology →
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About this data

Non-partisan by design
OurCongress provides plain-English context without endorsements, political interpretation, or advocacy.
Official sources
Data is sourced from official government records (e.g., Congress.gov, GovInfo, Clerk of the House, and the U.S. Senate).
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Last updated: 1/3/2025Source: BILLSUMBill: 119hr53Learn more →