HR 53 — Responsible Borrower Protection Act of 2025
Congress 119 · introduced 2025-01-03
Latest action: — Referred to the House Committee on Financial Services.
Sponsors
- Cloud, Michael (R, TX-27) — cosponsor
- Donalds, Byron (R, FL-19) — cosponsor
Action timeline
- · H11100 — Referred to the House Committee on Financial Services.
- · Intro-H — Introduced in House
- · 1000 — Introduced in House
Text versions
- Introduced in House · 2025-01-03 — open
Connected on the graph
Inbound (2)
| date | from | type | amount | role | source |
|---|---|---|---|---|---|
| — | Cloud, Michael | cosponsor_of_bill | — | cosponsor | sponsorship |
| — | Donalds, Byron | cosponsor_of_bill | — | cosponsor | sponsorship |
Outbound (1)
| date | type | to | amount | role | source |
|---|---|---|---|---|---|
| 2025-01-03 | referred_to_committee | House Financial Services Committee | — | congress-committee |
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Cloud, Michael (R, house TX-27) | cosponsor | 2 | — | 3 |
| 2 | Donalds, Byron (R, house FL-19) | cosponsor | 0 | — | 1 |
Who's influencing them
Orgs ranked by combined money flow on this bill: LDA filings citing the bill + individual contributions in cycle 2026from donors whose employer matches the org name (Schedule A) to any principal committee in the "who matters" list above.
| # | Org | LDA filings | LDA spend | Donor employees | Employee donations | Total |
|---|---|---|---|---|---|---|
| 1 | retired | 0 | $0 | 98 | $3,294 | $3,294 |
| 2 | victoria college | 0 | $0 | 1 | $500 | $500 |
| 3 | self | 0 | $0 | 4 | $129 | $129 |
| 4 | keystone | 0 | $0 | 1 | $95 | $95 |
| 5 | new life refuge ministries | 0 | $0 | 1 | $50 | $50 |
| 6 | self-employed | 0 | $0 | 2 | $40 | $40 |
| 7 | cobb, lundquist atnip | 0 | $0 | 1 | $36 | $36 |
| 8 | disabled | 0 | $0 | 1 | $30 | $30 |
| 9 | formosa plastics | 0 | $0 | 1 | $28 | $28 |
| 10 | hannah feuchtenberger | 0 | $0 | 1 | $28 | $28 |
| 11 | first community bank | 0 | $0 | 1 | $28 | $28 |
| 12 | self. pssi | 0 | $0 | 1 | $25 | $25 |
| 13 | halliburton | 0 | $0 | 1 | $23 | $23 |
| 14 | worldwide | 0 | $0 | 1 | $20 | $20 |
| 15 | city of yorba linda ca | 0 | $0 | 1 | $20 | $20 |
| 16 | may trucking | 0 | $0 | 1 | $20 | $20 |
| 17 | rec trucking | 0 | $0 | 1 | $20 | $20 |
| 18 | sun | 0 | $0 | 1 | $20 | $20 |
| 19 | bear river energy | 0 | $0 | 1 | $20 | $20 |
| 20 | deltec inc | 0 | $0 | 1 | $19 | $19 |
| 21 | tax-free wealth group | 0 | $0 | 1 | $15 | $15 |
| 22 | cci | 0 | $0 | 1 | $5 | $5 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
2 predicted yes (0%) · 266 predicted no (49%) · 275 unknown (51%)
By party: · R: 2 yes / 0 no / 275 unknown · D: 0 yes / 263 no · I: 0 yes / 3 no
2 high-confidence positions (voted + sponsor + cosponsor)
- Cloud, Michael (R · house · TX-27) · cosponsor
- Donalds, Byron (R · house · FL-19) · cosponsor
Activity
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; click the date to jump to its provenance.
- 2026-05-17 · cosponsored by Donalds, Byron (cosponsor) · sponsorship
- 2026-05-17 · cosponsored by Cloud, Michael (cosponsor) · sponsorship
- 2025-01-03 · was referred to House Financial Services Committee · congress-committee