{"database": "press", "table": "releases", "rows": [["https://clayhiggins.house.gov/2023/06/23/higgins-helps-pass-middle-class-borrower-protection-act/", "Higgins Helps Pass the Middle Class Borrower Protection Act", "2023-06-23", "2023", "2023-06", "Republican", "House", "LA", "Clay Higgins", "H001077", "clayhiggins.house.gov", "clayhiggins", "https://clayhiggins.house.gov/category/press-releases/", "scraper", "WASHINGTON, D.C. \u2013 Congressman Clay Higgins (R-LA) voted to pass H.R. 3564, the Middle Class Borrower Protection Act, which would repeal the recent Federal Housing Finance Agency (FHFA) mortgage redistribution plan that would raise fees for borrowers with a higher credit score to subsidize those with riskier loans.\n\nThis legislation would reinstate the previous fee structure until the Government Accountability Office (GAO) can complete an assessment of the current upfront fee and require the FHFA to propose a new fee structure.\n\n\u201cThe problem with the new ruling by the FHFA is that it works off generalization by making mortgage loans more expensive for those who have been responsible with their finances,\u201dsaid Congressman Higgins. \u201cMy wife and I have worked diligently to build our creditworthiness and it has been quite a journey. Through our lives we\u2019ve known great struggle and financial hardship. There were many, many years where we had to make hard choices, there just wasn\u2019t enough income between us to live freely, we had to be incredibly disciplined in order to gradually become financially sound, and build excellent credit scores. So, this FHFA rule that penalizes Americans with good credit\u2026 it\u2019s the principle of the thing. It\u2019s just wrong. I oppose government intervention in our lives, and I support the foundational ethic of a family\u2019s struggle to establish and maintain good credit.\u201d", 1, "2026-03-30T01:40:41Z", "2026-04-08T00:08:25Z"]], "columns": ["url", "title", "date", "year", "month", "party", "chamber", "state", "member_name", "bioguide_id", "domain", "scraper", "source", "date_source", "text", "has_text", "collected_at", "updated_at"], "primary_keys": ["url"], "primary_key_values": ["https://clayhiggins.house.gov/2023/06/23/higgins-helps-pass-middle-class-borrower-protection-act/"], "units": {}, "query_ms": 1.5995432622730732, "source": "dwillis/congress-press", "source_url": "https://github.com/dwillis/congress-press", "license": "MIT", "license_url": "https://github.com/dwillis/congress-press/blob/main/LICENSE"}