HR 53
Responsible Borrower Protection Act of 2025
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 14, 2026, 6:37 AM
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
This bill aims to prevent changes to how Fannie Mae and Freddie Mac charge fees on home loans based on a borrower’s credit score. Specifically, it seeks to reverse a policy announced in January 2023 that increased these fees, potentially impacting borrowers with lower credit scores. The bill ensures that these fees remain consistent with previous practices, while still allowing for risk-based pricing adjustments. It’s designed to protect borrowers from potentially higher fees.
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