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HR 53 · in committee · significant

Responsible Borrower Protection Act of 2025

What this bill does

  • This bill blocks federal housing agencies from implementing 2023 pricing changes that would increase upfront fees on home loans based on credit scores.
  • The ban affects borrowers seeking mortgages through Fannie Mae and Freddie Mac, particularly those with lower credit scores.
  • The restriction takes effect immediately upon enactment and applies to the fee adjustment framework going forward.

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Community Threads

Started by Cosponsor

  1. 01

    How would preventing credit-score-based fee increases affect mortgage affordability for borrowers with different credit profiles?

  2. 02

    What funding mechanisms would offset federal housing agencies' potential revenue loss from blocking these fee adjustments?

  3. 03

    Which borrower groups would benefit most from freezing the 2023 pricing changes, and who might face indirect costs?

Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.

Sponsor · R-AZ-5

Andy Biggs

Citizen cosponsors

0

In Congress

7/ 435

House Reps cosponsoring

Introduced 2025-01-03

Joining the bill

Legislative timeline

  1. 2025-01-03 · house · IntroReferral

    Referred to the House Committee on Financial Services.

  2. 2025-01-03 · IntroReferral

    Introduced in House

  3. 2025-01-03 · IntroReferral

    Introduced in House

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