To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes.

Cost and committee reports

Official records Congress.gov attaches to H.R. 5461.

• Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. BARR, as printed in the Congressional Record (Page H7529):
  Article I, Section 8, Clause 3
  Source: Congress.gov, record updated April 7, 2025 ↗

  Evidence

  Field in the Congress.gov record

  constitutionalAuthorityStatementText

  Statement length

  30 characters

  Congress.gov bill record

  H.R. 5461, 113th Congress

  Congress.gov API record

  https://api.congress.gov/v3/bill/113/hr/5461

  Record last updated by Congress.gov

  April 7, 2025

  PORKER copy retrieved

  September 23, 2026

  Stored copy, SHA-256 of the file

  c95b261c58fec37e399f3bac543d9650c6bc1883785926801ce8bc8f47d7efd5

  PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Congress.gov’s record for this bill does not list a CBO cost estimate or a committee report (as of April 7, 2025). Not every bill gets one.

From the Congress.gov bill record for H.R. 5461, last updated April 7, 2025. PORKER’s copy was retrieved September 23, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.