Responsible Borrower Protection Act of 2025
This bill appears to be dead.
No action recorded in 1 year, 8 months. The structural status reflects an earlier milestone, not current activity.
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.
Filed in the House
This house bill has been filed and is working its way through Congress. It will need to pass both the House and the Senate, then be signed by the President to become law.
Who introduced this
Andy Biggs
RepublicanU.S. Representative · AZ-5
7 cosponsors — all Republican
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