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HR 53
Introduced Re-checks Congress.gov for new actions and updates the bill's status, and fills in any sponsors, committees, or related bills that are missing. It does not re-pull sponsors/cosponsors/committees/related — those rarely change — and it skips all work if nothing has changed upstream, so it's cheap to click.

Responsible Borrower Protection Act of 2025

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 Jan 3, 2025

Latest action (Jan 3, 2025) Referred to the House Committee on Financial Services.

Referred to
Financial Services Committee
Policy area
Finance and Financial Sector
Issues
Economy & Taxes
Legislative subjects (5)
Credit and credit marketsGovernment National Mortgage Association (Ginnie Mae)Housing finance and home ownershipInflation and pricesUser charges and fees

Summary
  • Cancels proposed changes to credit fee pricing by Fannie Mae and Freddie Mac announced on January 19, 2023
  • Invalidates the pricing framework changes outlined in specific Federal National Mortgage Association and Federal Home Loan Mortgage Corporation lender communications
  • Specifies that those changes, lender letters, and bulletins have no force or effect
  • Permits the enterprises to continue applying risk-based pricing for mortgage credit fees

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
7 cosponsors

Actions (2)
  1. Jan 3, 2025 Referred to the House Committee on Financial Services. · house
  2. Jan 3, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • HR 10184 — Consumer Financial Protection Accountability and Reform Act of 2026 (shares 3 subjects)
  • HR 4552 — Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2026 (shares 3 subjects)
  • HR 1654 — CUTS Act (shares 3 subjects)
  • S 4668 — Protect College Sports Act of 2026 (shares 2 subjects)
  • HR 6955 — Main Street Capital Access Act (shares 2 subjects)
  • HR 8646 — Agriculture, Rural Development, Food and Drug Administration, and Related Agency Appropriations Act, 2027 (shares 2 subjects)
  • HR 9137 — Protect College Sports Act of 2026 (shares 2 subjects)
  • HR 6047 — Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026 (shares 2 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 2781 — Protecting Consumers from Unreasonable Credit Rates Act of 2025 · Introduced Sep 11, 2025 · Cong. 119 74%
  • HR 892 — Mortgage Rate Reduction Act · Introduced Mar 5, 2025 · Cong. 119 73%
  • HR 1658 — SAFE Lending Act of 2025 · Introduced Feb 27, 2025 · Cong. 119 72%
  • HR 3206 — Protecting America's Property Rights Act · Introduced May 6, 2025 · Cong. 119 71%
  • HR 4735 — Business of Insurance Regulatory Reform Act of 2025 · Introduced Jul 23, 2025 · Cong. 119 70%
  • HR 5508 — Mortgage Insurance Freedom Act · Introduced Sep 19, 2025 · Cong. 119 69%

Text versions (1)
  • Introduced in House · Jan 3, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

Full text

IN THE HOUSE OF REPRESENTATIVES

January 3, 2025

Mr. 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 Services

A BILL

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.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Responsible Borrower Protection Act of 2025”.

SEC. 2. CANCELLATION OF CHANGES.

The 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.

SEC. 3. CONTINUATION OF RISK-BASED PRICING.

This Act may not be construed to prohibit the enterprises from applying risk-based pricing for credit fees for single-family housing mortgages. <all>

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