H.R. 3564: Middle Class Borrower Protection Act of 2023

Bill · 118th Congress (2023–2024). Passed House, 23 Jun 2023. Introduced 22 May 2023.

Official title: To cancel recent changes made by the Federal Housing Finance Agency to the up-front loan level pricing adjustments charged by Fannie Mae and Freddie Mac for guarantee of single-family mortgages, and for other purposes.

Vote results

How each member voted

House

Yea (230): Harold Rogers (R-KY-5); Christopher H. Smith (R-NJ-4); Ken Calvert (R-CA-41); Frank D. Lucas (R-OK-3); Robert B. Aderholt (R-AL-4); Kay Granger (R-TX-12); Michael K. Simpson (R-ID-2); Pete Sessions (R-TX-17); Sam Graves (R-MO-6); Joe Wilson (R-SC-2); Michael C. Burgess (R-TX-26); John R. Carter (R-TX-31); Tom Cole (R-OK-4); Mario Diaz-Balart (R-FL-26); Mike Rogers (R-AL-3); Michael R. Turner (R-OH-10); Darrell Issa (R-CA-48); Henry Cuellar (D-TX-28); Virginia Foxx (R-NC-5); Michael T. McCaul (R-TX-10); Patrick T. McHenry (R-NC-10); Cathy McMorris Rodgers (R-WA-5); Gus M. Bilirakis (R-FL-12); Vern Buchanan (R-FL-16); Jim Jordan (R-OH-4); Doug Lamborn (R-CO-5); Adrian Smith (R-NE-3); Robert E. Latta (R-OH-5); Robert J. Wittman (R-VA-1); Steve Scalise (R-LA-1); Tim Walberg (R-MI-5); Brett Guthrie (R-KY-2); Blaine Luetkemeyer (R-MO-3); Tom McClintock (R-CA-5); Glenn Thompson (R-PA-15); Larry Bucshon (R-IN-8); Eric A. "Rick" Crawford (R-AR-1); Scott DesJarlais (R-TN-4); Jeff Duncan (R-SC-3); Charles J. "Chuck" Fleischmann (R-TN-3); Paul A. Gosar (R-AZ-9); H. Morgan Griffith (R-VA-9); Andy Harris (R-MD-1); Bill Huizenga (R-MI-4); Mike Kelly (R-PA-16); David Schweikert (R-AZ-1); Austin Scott (R-GA-8); Daniel Webster (R-FL-11); Steve Womack (R-AR-3); Mark E. Amodei (R-NV-2); Andy Barr (R-KY-6); Richard Hudson (R-NC-9); David P. Joyce (R-OH-14); Doug LaMalfa (R-CA-1); Scott Perry (R-PA-10); Ann Wagner (R-MO-2); Randy K. Weber, Sr. (R-TX-14); Brad R. Wenstrup (R-OH-2); Jason Smith (R-MO-8); Rick W. Allen (R-GA-12); Brian Babin (R-TX-36); Mike Bost (R-IL-12); Brendan F. Boyle (D-PA-2); Earl L. "Buddy" Carter (R-GA-1); Tom Emmer (R-MN-6); Garret Graves (R-LA-6); Glenn Grothman (R-WI-6); J. French Hill (R-AR-2); Barry Loudermilk (R-GA-11); John R. Moolenaar (R-MI-2); Alexander X. Mooney (R-WV-2); Dan Newhouse (R-WA-4); Gary J. Palmer (R-AL-6); David Rouzer (R-NC-7); Elise M. Stefanik (R-NY-21); Bruce Westerman (R-AR-4); David G. Valadao (R-CA-22); Trent Kelly (R-MS-1); Warren Davidson (R-OH-8); James Comer (R-KY-1); Jodey C. Arrington (R-TX-19); Don Bacon (R-NE-2); Jim Banks (R-IN-3); Jack Bergman (R-MI-1); Andy Biggs (R-AZ-5); Neal P. Dunn (R-FL-2); A. Drew Ferguson IV (R-GA-3); Brian K. Fitzpatrick (R-PA-1); Clay Higgins (R-LA-3); Mike Johnson (R-LA-4); David Kustoff (R-TN-8); Brian J. Mast (R-FL-21); John H. Rutherford (R-FL-5); Lloyd Smucker (R-PA-11); Ron Estes (R-KS-4); Ralph Norman (R-SC-5); John R. Curtis (R-UT-3); Debbie Lesko (R-AZ-8); Michael Cloud (R-TX-27); Troy Balderson (R-OH-12); Kevin Hern (R-OK-1); Susan Wild (D-PA-7); James R. Baird (R-IN-4); Tim Burchett (R-TN-2); Ben Cline (R-VA-6); Angie Craig (D-MN-2); Dan Crenshaw (R-TX-2); Sharice Davids (D-KS-3); Russ Fulcher (R-ID-1); Jared F. Golden (D-ME-2); Lance Gooden (R-TX-5); Mark E. Green (R-TN-7); Michael Guest (R-MS-3); Josh Harder (D-CA-9); Dusty Johnson (R-SD-AL); John Joyce (R-PA-13); Daniel Meuser (R-PA-9); Carol D. Miller (R-WV-1); Chris Pappas (D-NH-1); Greg Pence (R-IN-6); Guy Reschenthaler (R-PA-14); John W. Rose (R-TN-6); Chip Roy (R-TX-21); Kim Schrier (D-WA-8); Abigail Davis Spanberger (D-VA-7); Pete Stauber (R-MN-8); Bryan Steil (R-WI-1); W. Gregory Steube (R-FL-17); William R. Timmons IV (R-SC-4); Jefferson Van Drew (R-NJ-2); Michael Waltz (R-FL-6); Claudia Tenney (R-NY-24); Dan Bishop (R-NC-8); Gregory F. Murphy (R-NC-3); Mike Garcia (R-CA-27); Thomas P. Tiffany (R-WI-7); Ryan K. Zinke (R-MT-1); Cliff Bentz (R-OR-2); Stephanie I. Bice (R-OK-5); Lauren Boebert (R-CO-3); Kat Cammack (R-FL-3); Jerry L. Carl (R-AL-1); Andrew S. Clyde (R-GA-9); Byron Donalds (R-FL-19); Pat Fallon (R-TX-4); Randy Feenstra (R-IA-4); Michelle Fischbach (R-MN-7); Scott Fitzgerald (R-WI-5); Scott Franklin (R-FL-18); Andrew R. Garbarino (R-NY-2); Carlos A. Gimenez (R-FL-28); Tony Gonzales (R-TX-23); Bob Good (R-VA-5); Marjorie Taylor Greene (R-GA-14); Diana Harshbarger (R-TN-1); Ashley Hinson (R-IA-2); Ronny Jackson (R-TX-13); Young Kim (R-CA-40); Jake LaTurner (R-KS-2); Nancy Mace (R-SC-1); Nicole Malliotakis (R-NY-11); Tracey Mann (R-KS-1); Kathy E. Manning (D-NC-6); Lisa C. McClain (R-MI-9); Mary E. Miller (R-IL-15); Mariannette Miller-Meeks (R-IA-1); Barry Moore (R-AL-2); Blake D. Moore (R-UT-1); Troy E. Nehls (R-TX-22); Jay Obernolte (R-CA-23); Burgess Owens (R-UT-4); August Pfluger (R-TX-11); Matthew M. Rosendale, Sr. (R-MT-2); Maria Elvira Salazar (R-FL-27); Victoria Spartz (R-IN-5); Michelle Steel (R-CA-45); Beth Van Duyne (R-TX-24); Julia Letlow (R-LA-5); Jake Ellzey (R-TX-6); Mike Carey (R-OH-15); Mike Flood (R-NE-1); Brad Finstad (R-MN-1); Rudy Yakym III (R-IN-2); Mark Alford (R-MO-4); Aaron Bean (R-FL-4); Josh Brecheen (R-OK-2); Eric Burlison (R-MO-7); Lori Chavez-DeRemer (R-OR-5); Juan Ciscomani (R-AZ-6); Mike Collins (R-GA-10); Elijah Crane (R-AZ-2); Anthony D’Esposito (R-NY-4); Donald G. Davis (D-NC-1); Monica De La Cruz (R-TX-15); John S. Duarte (R-CA-13); Chuck Edwards (R-NC-11); Mike Ezell (R-MS-4); Russell Fry (R-SC-7); Marie Gluesenkamp Perez (D-WA-3); Harriet M. Hageman (R-WY-AL); Erin Houchin (R-IN-9); Wesley Hunt (R-TX-38); John James (R-MI-10); Thomas H. Kean, Jr. (R-NJ-7); Jennifer A. Kiggans (R-VA-2); Kevin Kiley (R-CA-3); Nick LaLota (R-NY-1); Nicholas A. Langworthy (R-NY-23); Michael Lawler (R-NY-17); Laurel M. Lee (R-FL-15); Anna Paulina Luna (R-FL-13); Morgan Luttrell (R-TX-8); Richard McCormick (R-GA-6); Max L. Miller (R-OH-7); Cory Mills (R-FL-7); Marcus J. Molinaro (R-NY-19); Nathaniel Moran (R-TX-1); Jared Moskowitz (D-FL-23); Zachary Nunn (R-IA-3); Keith Self (R-TX-3); Dale W. Strong (R-AL-5); Derrick Van Orden (R-WI-3); Brandon Williams (R-NY-22); Bill Johnson (R-OH-6); Chris Stewart (R-UT-2); Ken Buck (R-CO-4); Matt Gaetz (R-FL-1); Mike Gallagher (R-WI-8); Kelly Armstrong (R-ND-AL); George Santos (R-NY-3).

Nay (189): Marcy Kaptur (D-OH-9); Nancy Pelosi (D-CA-11); Frank Pallone, Jr. (D-NJ-6); Richard E. Neal (D-MA-1); Rosa L. DeLauro (D-CT-3); Maxine Waters (D-CA-43); Jerrold Nadler (D-NY-12); Sanford D. Bishop, Jr. (D-GA-2); James E. Clyburn (D-SC-6); Anna G. Eshoo (D-CA-16); Robert C. "Bobby" Scott (D-VA-3); Nydia M. Velázquez (D-NY-7); Bennie G. Thompson (D-MS-2); Lloyd Doggett (D-TX-37); Zoe Lofgren (D-CA-18); Earl Blumenauer (D-OR-3); Danny K. Davis (D-IL-7); Diana DeGette (D-CO-1); James P. McGovern (D-MA-2); Brad Sherman (D-CA-32); Adam Smith (D-WA-9); Gregory W. Meeks (D-NY-5); Barbara Lee (D-CA-12); John B. Larson (D-CT-1); Grace F. Napolitano (D-CA-31); Janice D. Schakowsky (D-IL-9); Mike Thompson (D-CA-4); Rick Larsen (D-WA-2); Betty McCollum (D-MN-4); Stephen F. Lynch (D-MA-8); Raúl M. Grijalva (D-AZ-7); C. A. Dutch Ruppersberger (D-MD-2); David Scott (D-GA-13); Linda T. Sánchez (D-CA-38); Emanuel Cleaver (D-MO-5); Jim Costa (D-CA-21); Al Green (D-TX-9); Gwen Moore (D-WI-4); Debbie Wasserman Schultz (D-FL-25); Doris O. Matsui (D-CA-7); Kathy Castor (D-FL-14); Yvette D. Clarke (D-NY-9); Steve Cohen (D-TN-9); Joe Courtney (D-CT-2); Henry C. "Hank" Johnson, Jr. (D-GA-4); John P. Sarbanes (D-MD-3); André Carson (D-IN-7); Gerald E. Connolly (D-VA-11); James A. Himes (D-CT-4); Chellie Pingree (D-ME-1); Paul Tonko (D-NY-20); Mike Quigley (D-IL-5); Judy Chu (D-CA-28); John Garamendi (D-CA-8); Bill Foster (D-IL-11); William R. Keating (D-MA-9); Terri A. Sewell (D-AL-7); Frederica S. Wilson (D-FL-24); Dina Titus (D-NV-1); Kweisi Mfume (D-MD-7); Suzanne Bonamici (D-OR-1); Suzan K. DelBene (D-WA-1); Joyce Beatty (D-OH-3); Ami Bera (D-CA-6); Julia Brownley (D-CA-26); Matt Cartwright (D-PA-8); Joaquin Castro (D-TX-20); Tony Cárdenas (D-CA-29); Lois Frankel (D-FL-22); Jared Huffman (D-CA-2); Hakeem S. Jeffries (D-NY-8); Daniel T. Kildee (D-MI-8); Derek Kilmer (D-WA-6); Ann M. Kuster (D-NH-2); Grace Meng (D-NY-6); Scott H. Peters (D-CA-50); Mark Pocan (D-WI-2); Raul Ruiz (D-CA-25); Eric Swalwell (D-CA-14); Mark Takano (D-CA-39); Juan Vargas (D-CA-52); Marc A. Veasey (D-TX-33); Robin L. Kelly (D-IL-2); Katherine M. Clark (D-MA-5); Alma S. Adams (D-NC-12); Donald Norcross (D-NJ-1); Pete Aguilar (D-CA-33); Donald S. Beyer, Jr. (D-VA-8); Ed Case (D-HI-1); Mark DeSaulnier (D-CA-10); Debbie Dingell (D-MI-6); Ted Lieu (D-CA-36); Norma J. Torres (D-CA-35); Bonnie Watson Coleman (D-NJ-12); Bradley Scott Schneider (D-IL-10); Dwight Evans (D-PA-3); Nanette Diaz Barragán (D-CA-44); Lisa Blunt Rochester (D-DE-AL); Salud O. Carbajal (D-CA-24); J. Luis Correa (D-CA-46); Adriano Espaillat (D-NY-13); Vicente Gonzalez (D-TX-34); Josh Gottheimer (D-NJ-5); Steven Horsford (D-NV-4); Pramila Jayapal (D-WA-7); Ro Khanna (D-CA-17); Raja Krishnamoorthi (D-IL-8); Jimmy Panetta (D-CA-19); Darren Soto (D-FL-9); Jimmy Gomez (D-CA-34); Mary Gay Scanlon (D-PA-5); Colin Z. Allred (D-TX-32); Sean Casten (D-IL-6); Jason Crow (D-CO-6); Madeleine Dean (D-PA-4); Veronica Escobar (D-TX-16); Lizzie Fletcher (D-TX-7); Sylvia R. Garcia (D-TX-29); Jesús G. "Chuy" García (D-IL-4); Jahana Hayes (D-CT-5); Chrissy Houlahan (D-PA-6); Susie Lee (D-NV-3); Mike Levin (D-CA-49); Lucy McBath (D-GA-7); Joe Neguse (D-CO-2); Alexandria Ocasio-Cortez (D-NY-14); Ilhan Omar (D-MN-5); Katie Porter (D-CA-47); Mikie Sherrill (D-NJ-11); Elissa Slotkin (D-MI-7); Greg Stanton (D-AZ-4); Haley M. Stevens (D-MI-11); Rashida Tlaib (D-MI-12); David J. Trone (D-MD-6); Lauren Underwood (D-IL-14); Jennifer Wexton (D-VA-10); Jake Auchincloss (D-MA-4); Jamaal Bowman (D-NY-16); Sara Jacobs (D-CA-51); Teresa Leger Fernandez (D-NM-3); Frank J. Mrvan (D-IN-1); Deborah K. Ross (D-NC-2); Marilyn Strickland (D-WA-10); Ritchie Torres (D-NY-15); Nikema Williams (D-GA-5); Troy A. Carter (D-LA-2); Melanie A. Stansbury (D-NM-1); Shontel M. Brown (D-OH-11); Sheila Cherfilus-McCormick (D-FL-20); Mary Sattler Peltola (D-AK-AL); Patrick Ryan (D-NY-18); Becca Balint (D-VT-AL); Nikki Budzinski (D-IL-13); Yadira Caraveo (D-CO-8); Greg Casar (D-TX-35); Jasmine Crockett (D-TX-30); Christopher R. Deluzio (D-PA-17); Valerie P. Foushee (D-NC-4); Maxwell Frost (D-FL-10); Robert Garcia (D-CA-42); Daniel S. Goldman (D-NY-10); Val T. Hoyle (D-OR-4); Glenn Ivey (D-MD-4); Jonathan L. Jackson (D-IL-1); Sydney Kamlager-Dove (D-CA-37); Greg Landsman (D-OH-1); Summer L. Lee (D-PA-12); Seth Magaziner (D-RI-2); Morgan McGarvey (D-KY-3); Robert Menendez (D-NJ-8); Kevin Mullin (D-CA-15); Wiley Nickel (D-NC-13); Brittany Pettersen (D-CO-7); Delia C. Ramirez (D-IL-3); Andrea Salinas (D-OR-6); Hillary J. Scholten (D-MI-3); Eric Sorensen (D-IL-17); Emilia Strong Sykes (D-OH-13); Shri Thanedar (D-MI-13); Jill N. Tokuda (D-HI-2); Gabe Vasquez (D-NM-2); Jennifer L. McClellan (D-VA-4); Sheila Jackson Lee (D-TX-18); Bill Pascrell, Jr. (D-NJ-9); Adam B. Schiff (D-CA-30); Brian Higgins (D-NY-26); Donald M. Payne, Jr. (D-NJ-10); Andy Kim (D-NJ-3); Jeff Jackson (D-NC-14).

Not voting (14): Steny H. Hoyer (D-MD-5); Bill Posey (R-FL-8); Thomas Massie (R-KY-4); Roger Williams (R-TX-25); Ruben Gallego (D-AZ-3); Seth Moulton (D-MA-6); Darin LaHood (R-IL-16); Jamie Raskin (D-MD-8); Joseph D. Morelle (D-NY-25); Dean Phillips (D-MN-3); Ayanna Pressley (D-MA-7); Lori Trahan (D-MA-3); Cori Bush (D-MO-1); Andrew Ogles (R-TN-5).

Speaker, not listed (1): Kevin McCarthy (R-CA-20).

Not in office (11): Thomas R. Suozzi (D-NY-3); Gabe Amo (D-RI-1); Celeste Maloy (R-UT-2); Timothy M. Kennedy (D-NY-26); Vince Fong (R-CA-20); Michael A. Rulli (R-OH-6); Greg Lopez (R-CO-4); LaMonica McIver (D-NJ-10); Erica Lee Carter (D-TX-18); Tony Wied (R-WI-8); David N. Cicilline (D-RI-1).

Summary

Main subject: Requires the Federal Housing Finance Agency to return the up-front loan-level pricing adjustment fees charged by Fannie Mae and Freddie Mac on single-family mortgages to those in effect before May 1, 2023, and sets limits on later changes to those fees. Sec. 2, Sec. 3, Sec. 4

Its core areas: Fannie Mae and Freddie Mac single-family loan-level pricing adjustment fees; Federal Housing Finance Agency procedures for changing the pricing framework; Government Accountability Office study of the fee changes; Enterprise guarantee fee authority.

Unexpected Items: 0 provisions

What it does

Written automatically from the official text by Claude Sonnet 5.5, an AI model. Written 2 Oct 2026 and published after the automatic checks, without a person reading it first. Every line names the section it came from.

Sources