End Junk Fees for Renters Act

S 2148, the "End Junk Fees for Renters Act," bans specific fees landlords can charge renters in properties with federal mortgage backing (such as FHA, VA, or USDA loans). It prohibits application fees and tenant screening fees, caps late rent fees at 3% of monthly rent after a 15-day grace period, and requires landlords to disclose total monthly costs, past tenant litigation, and rent history upfront. The bill applies directly to renters in "covered dwelling units" (properties tied to federal housing programs) and mandates regulators like HUD to enforce these rules. It also requires landlords to detail all fees and property issues before lease signing.