Responsible Borrower Protection Act of 2025
Introduced Jan 3, 2025 by Rep. Andy Biggs
It's waiting on a committee vote to reach the full chamber. Most bills never leave this stage.
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.
Summary by the Congressional Research Service.
No floor votes yet — it hasn't reached the floor of either chamber.