Responsible Borrower Protection Act of 2025

# Responsible Borrower Protection Act of 2025 - Summary **What the Bill Would Do:** This bill would block the Federal Housing Finance Agency (FHFA) and two major government-backed mortgage companies—Fannie Mae and Freddie Mac—from implementing pricing changes they announced in January 2023. Those changes increased upfront fees that borrowers pay when getting mortgages, with the size of the fee increase varying based on credit scores and other risk factors. If passed, the bill would prevent these fee increases from going into effect. **Who It Affects:** The bill primarily affects people seeking to buy homes and obtain mortgages.

Borrowers with lower credit scores or riskier loan profiles would see the most direct impact, as they faced the largest proposed fee increases under the 2023 changes. The mortgage industry would also be affected, as the fee structure influences lending practices and loan profitability. **Current Status:** The bill was introduced by Representative Andy Biggs (R-AZ) in the 119th Congress and is currently in committee, meaning it has not yet been debated or voted on by the full House. No action has been taken on it as of this summary.