House bill · 118th Congress · Did not become law

Middle Class Borrower Protection Act of 2023

H.R. 3564Introduced May 22, 2023Policy area: Finance and Financial Sector

Where it went

IntroducedMay 22, 2023
Committee actionMay 24, 2023
Passed HouseJun 23, 2023 · 230–189
Passed Senate—
To the President—
Became law—

Latest action: Jul 10, 2023 — Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Cost and committee reports

Official records Congress.gov attaches to H.R. 3564.

CBO cost estimateThe Congressional Budget Office published “H.R. 3564, Middle Class Borrower Protection Act of 2023” on June 20, 2023. CBO’s description reads “As reported by the House Committee on Financial Services on June 7, 2023”.
Read the CBO estimate ↗Source: Congressional Budget Office, June 20, 2023 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/59281
CBO publication date
June 20, 2023
Congress.gov bill record
H.R. 3564, 118th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/118/hr/3564
Record last updated by Congress.gov
May 27, 2025
PORKER copy retrieved
September 14, 2026
Stored copy, SHA-256 of the file
dd5c926b72476807961bb2dcd4a19e3692395906d4ec3ffd747cf727823e97a8
CBO cost estimateThe Congressional Budget Office published “Estimated Budgetary Effects of H.R. 3564, the Middle Class Borrower Protection Act of 2023” on June 22, 2023. CBO’s description reads “As posted on the website of the House Committee on Rules on June 20, 2023 https://rules.house.gov/bill/118/hr-3564”.
Read the CBO estimate ↗Source: Congressional Budget Office, June 22, 2023 ↗
Evidence
Field in the Congress.gov record
cboCostEstimates
CBO publication
https://www.cbo.gov/publication/59292
CBO publication date
June 22, 2023
Congress.gov bill record
H.R. 3564, 118th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/118/hr/3564
Record last updated by Congress.gov
May 27, 2025
PORKER copy retrieved
September 14, 2026
Stored copy, SHA-256 of the file
dd5c926b72476807961bb2dcd4a19e3692395906d4ec3ffd747cf727823e97a8
PORKER links to the estimate and does not repeat its dollar figures. Each estimate is for the version of the bill its description names; the bill may have changed since.
Committee reportCongress.gov lists 1 committee report for this bill: H. Rept. 118-103 ↗. The Congress.gov committee record lists a “Reported By” entry for the Financial Services Committee on June 7, 2023.
Source: Congress.gov, reported June 7, 2023 ↗
Evidence
Field in the Congress.gov record
committeeReports
Report API records
https://api.congress.gov/v3/committee-report/118/HRPT/103
Congress.gov bill record
H.R. 3564, 118th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/118/hr/3564
Record last updated by Congress.gov
May 27, 2025
PORKER copy retrieved
September 14, 2026
Stored copy, SHA-256 of the file
dd5c926b72476807961bb2dcd4a19e3692395906d4ec3ffd747cf727823e97a8
A committee report is the committee’s own explanation of the bill. PORKER lists it and links to it; reading it is up to you.
Constitutional authority statementThe sponsor’s statement of where the Constitution gives Congress the power to pass this bill. Statement by Mr. DAVIDSON, as printed in the Congressional Record (Vol. 169, No. 86, May 22, 2023, Page H2501):
Article 1, Section 8 of the U.S. Constitution The single subject of this legislation is: The Federal Housing Finance Agency
Source: Congress.gov, Congressional Record May 22, 2023 ↗
Evidence
Field in the Congress.gov record
constitutionalAuthorityStatementText
Statement length
123 characters
Congress.gov bill record
H.R. 3564, 118th Congress
Congress.gov API record
https://api.congress.gov/v3/bill/118/hr/3564
Record last updated by Congress.gov
May 27, 2025
PORKER copy retrieved
September 14, 2026
Stored copy, SHA-256 of the file
dd5c926b72476807961bb2dcd4a19e3692395906d4ec3ffd747cf727823e97a8
PORKER shows the statement exactly as printed, with the page markup removed. It is the sponsor’s claim; it is not a legal finding.

Sent to: Financial Services Committee, Banking, Housing, and Urban Affairs CommitteeBills with a CBO estimate Bills with a committee report See it in the Data Web

From the Congress.gov bill record for H.R. 3564, last updated May 27, 2025. PORKER’s copy was retrieved September 14, 2026 and is refreshed nightly. Open “Evidence” on any line for the record, field and file fingerprint.

Vote results

No recorded roll-call votes on this bill in PORKER’s records (voice votes and unanimous consent are not roll calls; roll-call records start in 2011).

Cosponsors

13 cosponsors — 13 Republicans

0 of 13 cosponsors (0%) are from the other party.

Rick Allen (R-GA), Stephanie Bice (R-OK), Andy Biggs (R-AZ), Tom Emmer (R-MN), Erin Houchin (R-IN), Bill Huizenga (R-MI), Mike Johnson (R-LA), Young Kim (R-CA), Michael Lawler (R-NY), Barry Loudermilk (R-GA), Alexander Mooney (R-WV), Bryan Steil (R-WI), Rudy Yakym (R-IN).

More from the sponsor

Other 118th Congress bills sponsored by Rep. Warren Davidson.

Sponsor’s state and district

Ohio in Congress · OH-8 district

Open in Bill Explorer →

Data as of Sep 15, 2026 · bill record checked by PORKER from Congress.gov · votes from Senate.gov and the House Clerk. PORKER is non-partisan.