Only the right has signed this so far (Bill Ranking)
H.R. 53 · 119th Congress (2025-2026)
8 members · Left 0 · Center 0 · Right 8 (Bill Ranking)
| Sponsor | Rep. Biggs, Andy (R-AZ) (Introduced 01/03/2025) |
|---|---|
| Sponsor Voting Record | Right · DW-NOMINATE +0.82 · measured from every roll-call vote this member has cast (voteview.com) (Sponsor Ranking) |
| Support |
LLLCLRR support across the spectrum: 8 members signed on (Bill Ranking) this bill: sponsor + current cosponsors, each once |
| Committees | House - Financial Services Committee |
| Latest Action | 01/03/2025 Referred to the House Committee on Financial Services. |
| Roll Call Votes | There have been no roll call votes |
| Source | view on congress.gov → |
Introduced in House (01/03/2025)
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.
119 HR 53 IH: Responsible Borrower Protection Act of 2025 U.S. House of Representatives 2025-01-03 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain. I119th CONGRESS1st SessionH. R. 53IN THE HOUSE OF REPRESENTATIVESJanuary 3, 2025Mr. Biggs of Arizona (for himself, Mr. Ogles, Mr. Burlison, Mr. Weber of Texas, Mr. Cline, Mr. Bost, and Mr. Cloud) introduced the following bill; which was referred to the Committee on Financial ServicesA BILLTo 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.1.Short titleThis Act may be cited as the Responsible Borrower Protection Act of 2025.2.Cancellation of changesThe Federal Housing Finance Agency and the enterprises (as such term is defined in section 1303 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (12 U.S.C. 4502)) may not implement the changes to the single-family housing mortgage credit fee pricing framework of the enterprises announced by the Federal Housing Finance Agency on January 19, 2023 (FHFA Announces Updates to the Enterprises’ Single-Family Pricing Framework), and set forth in Federal National Mortgage Association Lender Letter LL–2023–01 and Federal Home Loan Mortgage Corporation Bulletin 2023–1, and such changes, Lender Letter, and Bulletin shall have no force or effect.3.Continuation of risk-based pricingThis Act may not be construed to prohibit the enterprises from applying risk-based pricing for credit fees for single-family housing mortgages.
The bill's own words, from our database (synced from the GPO BILLS XML); paragraph breaks added at the bill's section boundaries, nothing else changed.
| Date | Chamber | All Actions |
|---|---|---|
| 01/03/2025 | Library of Congress | Introduced in House |
| 01/03/2025 | Library of Congress | Introduced in House |
| 01/03/2025 | House floor actions | Referred to the House Committee on Financial Services. |
| Title Type | Title |
|---|---|
| Display Title | Responsible Borrower Protection Act of 2025 |
| Short Title(s) as Introduced | Responsible Borrower Protection Act of 2025 |
| Official Title as Introduced | 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. |
There are no amendments to this bill.
* = Original cosponsor
| Committee | Activity |
|---|---|
| House - Financial Services Committee | 01/03/2025 Referred To |
No related bill information was received for H.R. 53.
Policy Area: Finance and Financial Sector
All data on this page comes from our own database (legislation.congress_* tables), synced daily from the GPO govinfo BILLSTATUS and BILLS collections. Formatted after congress.gov; nothing is generated. Member placement is their DW-NOMINATE score (voteview.com, Lewis et al.) - a measurement of roll-call voting behavior, not our judgement. Buckets: Left below −0.50 · Lean Left to −0.25 · Center to +0.25 · Lean Right to +0.50 · Right above +0.50. The bill's Support meter aggregates the people who signed the bill - sponsor and current cosponsors, each counted once - nothing else.