# 119-hr-53: Responsible Borrower Protection Act of 2025

119-hr-53, Responsible Borrower Protection Act of 2025, is a 119th Congress bill sponsored by Rep. Biggs, Andy [R-AZ-5] (R-AZ); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-53
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-53
- Congress: 119
- Title: Responsible Borrower Protection Act of 2025
- Status: introduced
- Introduced: 2025-01-03
- Sponsor: Rep. Biggs, Andy [R-AZ-5] (R-AZ)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Would block a set of Federal Housing Finance Agency changes that raised upfront fees on many single-family mortgages announced January 19, 2023.** It would cancel the specific Fannie Mae lender letter and Freddie Mac bulletin tied to that pricing change while preserving the enterprises' ability to use risk-based pricing.

## Cosponsors (7)

- Rep. Ogles, Andrew [R-TN-5] (R-TN), 2025-01-03T00:00:00.000Z
- Rep. Burlison, Eric [R-MO-7] (R-MO), 2025-01-03T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2025-01-03T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-01-03T00:00:00.000Z
- Rep. Bost, Mike [R-IL-12] (R-IL), 2025-01-03T00:00:00.000Z
- Rep. Cloud, Michael [R-TX-27] (R-TX), 2025-01-03T00:00:00.000Z
- Rep. Donalds, Byron [R-FL-19] (R-FL), 2025-01-14T00:00:00.000Z

## Provisions PRIA read

- Blocks 2023 mortgage fee rules: mixed, medium. If enacted, this bill would stop the Federal Housing Finance Agency and the enterprises (Fannie Mae and Freddie Mac) from using the mortgage credit fee pricing changes announced on January 19, 2023. It would declare Lender Letter LL–2023–01 and Bulletin 2023–1 to have no force or effect. The bill w…

## Related bills

- 119-hr-987: Fair Access to Banking Act
- 119-hr-7651: Chloe Cole Act of 2026
- 119-hr-22: SAVE Act
- 119-hr-404: Hearing Protection Act
- 119-hr-1301: Death Tax Repeal Act
- 119-hr-425: Repealing Big Brother Overreach Act

## Sources
- [119-hr-53 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/53)

## Related
- [119-hr-987: Fair Access to Banking Act](https://policyrisk.com/legislation/119-hr-987)
- [119-hr-7651: Chloe Cole Act of 2026](https://policyrisk.com/legislation/119-hr-7651)
- [119-hr-22: SAVE Act](https://policyrisk.com/legislation/119-hr-22)
- [119-hr-404: Hearing Protection Act](https://policyrisk.com/legislation/119-hr-404)
- [119-hr-1301: Death Tax Repeal Act](https://policyrisk.com/legislation/119-hr-1301)
- [119-hr-425: Repealing Big Brother Overreach Act](https://policyrisk.com/legislation/119-hr-425)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-53 (as of 2026-09-21).