Responsible Borrower Protection Act of 2025
Latest action: Referred to the House Committee on Financial Services. · Jan 3, 2025
View full text on Congress.gov ↗ Policy area: Finance and Financial Sector
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: Congressional Research Service (CRS).
Track HR 53 in BallotBox360
Get real-time bill updates, floor vote alerts, and AI-powered summaries — all in one app.
Download on iOS Open Web App