Responsible Borrower Protection Act of 2025

Introduced Jan 3, 2025Latest action Jan 3, 2025Finance and Financial Sector

Plain-English summary

Responsible Borrower Protection Act of 2025 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.

Deterministically condensed from the official CRS summary; verify details in the official record.

Issue relevance

Why this appears in Paper Trail

Housing

Matched from official metadata: subject: Housing finance and home ownership

People and recorded decisions

Sponsors, Cosponsors & House Votes

Eric Burlison

Cosponsor · Republican · MO

Andy Ogles

Cosponsor · Republican · TN

Benjamin Lee Cline

Cosponsor · Republican · VA

Andy Biggs

Sponsor · Republican · AZ

Michael Cloud

Cosponsor · Republican · TX

Randy K. Weber, Sr.

Cosponsor · Republican · TX

Michael Bost

Cosponsor · Republican · IL

Byron Donalds

Cosponsor · Republican · FL

No linked House roll-call vote is available yet. Senate votes are not currently synchronized.

Official Subjects

Finance and Financial SectorCredit and credit marketsGovernment National Mortgage Association (Ginnie Mae)Housing finance and home ownershipInflation and pricesUser charges and fees

Sources & text

Official Congress.gov record ↗Introduced in House ↗Introduced in House ↗Introduced in House ↗

Congress.gov data last updated Sep 28, 2026. Automated summaries preserve a source version and generation timestamp; human edits are explicitly recorded.