H.R. 3564 · 118th Congress

Middle Class Borrower Protection Act of 2023

Introduced on May 22, 2023 by Warren Davidson (R-OH-8). 13 cosponsors, all from the sponsor's party. Latest action (Jul 10, 2023): Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Stage
Passed one chamber
Introduced
May 22, 2023
Cosponsors
13
0 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

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.

Subjects

  • Administrative law and regulatory procedures
  • Congressional oversight
  • Credit and credit markets
  • Federal Housing Finance Agency
  • Government Accountability Office (GAO)
  • Government corporations and government-sponsored enterprises
  • Government information and archives
  • Government studies and investigations
  • Housing finance and home ownership
  • User charges and fees

Summary

The Congressional Research Service has not summarized this measure yet.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Warren DavidsonR-OH-8Sponsor

Republicans · 13

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

  1. On Agreeing to the Amendment
    Jun 23, 2023· House· Amendments· Failed 204–216
  2. On Motion to Recommit
    Jun 23, 2023· House· Procedural· Failed 197–214
  3. On Passage
    Jun 23, 2023· House· Passage· Passed 230–189

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. May 22, 2023Introduced in House
  2. May 22, 2023Introduced in House
  3. May 22, 2023 · HouseReferred to the House Committee on Financial Services.
  4. May 24, 2023 · HouseCommittee Consideration and Mark-up Session Held
  5. May 24, 2023 · HouseOrdered to be Reported in the Nature of a Substitute (Amended) by the Yeas and Nays: 26 - 22.
  6. Jun 7, 2023Reported (Amended) by the Committee on Financial Services. H. Rept. 118-103.
  7. Jun 7, 2023 · HouseReported (Amended) by the Committee on Financial Services. H. Rept. 118-103.
  8. Jun 7, 2023 · HousePlaced on the Union Calendar, Calendar No. 79.
  9. Jun 20, 2023 · HouseRules Committee Resolution H. Res. 524 Reported to House. Rule provides for consideration of H.R. 3564, H.R. 3799 and H. Res. 461. The resolution provides for consideration of H.R. 3564 under a structured rule with one hour of general debate; H.R. 3799 under a structured rule with eighty minutes of general debate; and H.Res. 461, under a closed rule with one hour of general debate. The resolution provides for a motion to recommit on H.R. 3564 and H.R. 3799.
  10. Jun 23, 2023 · HouseConsidered under the provisions of rule H. Res. 524. (consideration: CR H3115-3128; text: CR H3120)
  11. Jun 23, 2023 · HouseRule provides for consideration of H.R. 3564, H.R. 3799 and H. Res. 461. The resolution provides for consideration of H.R. 3564 under a structured rule with one hour of general debate; H.R. 3799 under a structured rule with eighty minutes of general debate; and H.Res. 461, under a closed rule with one hour of general debate. The resolution provides for a motion to recommit on H.R. 3564 and H.R. 3799.
  12. Jun 23, 2023 · HouseThe Speaker designated the Honorable Dan Newhouse to act as Chairman of the Committee.
  13. Jun 23, 2023 · HouseHouse resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 524 and Rule XVIII.
  14. Jun 23, 2023 · HouseGENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3564.
  15. Jun 23, 2023 · HouseDEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Boebert amendment No. 1.
  16. Jun 23, 2023 · HouseDEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Lee (NV) amendment No. 2.
  17. Jun 23, 2023 · HouseDEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Lee (NV) amendment No. 3.
  18. Jun 23, 2023 · HouseDEBATE - Pursuant to the provisions of H. Res. 524, the Committee of the Whole proceeded with 10 minutes of debate on the Pettersen amendment No. 4.
  19. Jun 23, 2023 · HouseThe House rose from the Committee of the Whole House on the state of the Union to report H.R. 3564.
  20. Jun 23, 2023 · HouseThe previous question was ordered pursuant to the rule.
  21. Jun 23, 2023 · HouseThe House adopted the amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.
  22. Jun 23, 2023 · HouseMr. Cleaver moved to recommit to the Committee on Financial Services. (text: CR H3127)
  23. Jun 23, 2023 · HouseThe previous question on the motion to recommit was ordered pursuant to clause 2(b) of rule XIX.
  24. Jun 23, 2023 · HouseOn motion to recommit Failed by the Yeas and Nays: 197 - 214 (Roll no. 288).House · Roll call 288
  25. Jun 23, 2023Passed/agreed to in House: On passage Passed by the Yeas and Nays: 230 - 189 (Roll no. 289).House · Roll call 289
  26. Jun 23, 2023 · HouseOn passage Passed by the Yeas and Nays: 230 - 189 (Roll no. 289).House · Roll call 289
  27. Jun 23, 2023 · HouseMotion to reconsider laid on the table Agreed to without objection.
  28. Jul 10, 2023 · SenateReceived in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. HOUSING POLICY COUNCIL5 reports
  2. MORTGAGE BANKERS ASSOCIATION5 reports
    $3.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  3. NATIONAL ASSOCIATION OF HOME BUILDERS5 reports
    $4.1M reported (all issues)
  4. NATIONAL ASSOCIATION OF REALTORS5 reports
    $104.5M reported (all issues)
  5. AMERICAN LAND TITLE ASSOCIATION1 report
    $430K reported (all issues)
  6. National Association of Federally-Insured Credit Unions1 report
    $960K reported (all issues)

Reports filed in 2023, 2024.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 6, 2026 · loaded Oct 6, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.