H.R. 53 119th Congress House

Responsible Borrower Protection Act of 2025

Official title: 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.

Introduced: January 3, 2025 Introduced by: Andy Biggs Republican · Arizona See on congress.gov

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

Everywhere this bill has been 2 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Jan 3, 2025

Referred to the House Committee on Financial Services.

Jan 3, 2025

Introduced in House

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What's happening now January 3, 2025

Referred to the House Committee on Financial Services.

Plain-English summary Congressional Research Service

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.

Bill text 1 version

Introduced in House Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Financial Services Committee
House of Representatives

Cosponsors 7

Donalds, Byron

Florida · Jan 14, 2025

Bost, Mike

Illinois · Jan 3, 2025

Burlison, Eric

Missouri · Jan 3, 2025

Cline, Ben

Virginia · Jan 3, 2025

Cloud, Michael

Texas · Jan 3, 2025

Ogles, Andrew

Tennessee · Jan 3, 2025

Weber, Randy K. Sr.

Texas · Jan 3, 2025

Cite this page click to expand

APA

U.S. Congress. (2026). H.R. 53: Responsible Borrower Protection Act of 2025. 119th Congress. Open America. https://openamerica.io/bill/119-HR-53/

MLA

"H.R. 53: Responsible Borrower Protection Act of 2025." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-53/.

Bluebook (legal)

H.R. 53, 119th Cong. (2026), https://openamerica.io/bill/119-HR-53/.

Markdown link

[H.R. 53: Responsible Borrower Protection Act of 2025](https://openamerica.io/bill/119-HR-53/)