H.R. 258 explained · 119th Congress · Pending in Congress
To cancel certain proposed changes to loan level price adjustments by the Federal National Mortgage Association and credit fees charged by the Federal Home Loan Mortgage Corporation.
Cosponsors: none · per Congress.gov, 2026-10-12
Introduced: 2025-01-09
Latest action (2025-01-09): Referred to the House Committee on Financial Services.
What H.R. 258 does, in plain terms
This bill prohibits the Federal Housing Finance Agency, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac) from implementing changes to the single-family home loan pricing framework for upfront fees on certain home loans, announced in January 2023. The changes revise the fee charts that provide percentage adjustments based on a borrower's credit score and other risk factors. Overall, these changes increase the percentage adjustments, with variations based on the particular risk profile of the loan.
Official summary by the Congressional Research Service, via Congress.gov.
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