Responsible Borrower Protection Act of 2025

The Responsible Borrower Protection Act of 2025 would block the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac from putting into effect pricing framework changes announced in January 2023. Those changes modified how upfront fees are calculated for single-family home loans, adjusting the percentage fees based on borrowers' credit scores and other risk factors. The 2023 changes generally increased these percentage adjustments across different loan risk profiles.

If enacted, this bill would prevent those fee increases from taking effect, potentially keeping upfront borrowing costs lower for homebuyers. The bill is currently in the House committee stage and has not yet been voted on by the full chamber. The practical effect would be to maintain the previous fee structure rather than allow the higher fees announced in 2023 to be implemented by the federal mortgage agencies.