Responsible Borrower Protection Act of 2025
This bill blocks the Federal Housing Finance Agency (FHFA) and mortgage enterprises (like Fannie Mae and Freddie Mac) from implementing specific mortgage fee changes announced in January 2023. It specifically revokes the FHFA's updated single-family mortgage pricing framework and related guidance documents. The bill does not affect the existing practice of risk-based pricing for mortgage credit fees, which remains permitted. It directly impacts mortgage lenders and borrowers by halting the 2023 fee changes without altering current risk-based fee structures.
Bill status
in committee
1 of 4 stages cleared
Introduction
Jan 2025
Committee Review
Floor Vote
President
Introduced Jan 3, 2025
Last action Jan 3, 2025
Floor votes
How they voted
No floor votes recorded yet.
Full legislative history
Actions timeline
Total actions
2
Key actions
0
Committee
1
Jan 3, 2025
Committee
Referred to the House Committee on Financial Services.
lower
Jan 3, 2025
Introduced
Introduced in House
lower
1 primary · 7 co-sponsors
Sponsors
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