US Federal House Bill HB4100

US Federal 2025-2026 Regular Session

• Introduced: 6/24/25
• Refer: 6/24/25
• Refer: 12/19/25

Caption

End Junk Fees for Renters Act

Summary

The End Junk Fees for Renters Act would direct federal regulators to prohibit or limit several fees charged to tenants in connection with renting covered dwelling units. It bars application fees and tenant-screening/background-check fees for covered units, and it restricts late fees to no more than 3 percent of monthly rent and only after rent is at least 15 days overdue. The bill also requires certain pre-lease disclosures, including the total monthly amount due, a summary of past litigation with tenants to the extent practicable, known pest and maintenance issues, and the property’s rent increases over the prior 10 years. The bill applies to a broad set of housing, including units receiving HUD assistance and units subject to federally backed single-family or multifamily mortgage loans. It assigns implementation and enforcement roles to HUD, the Department of Veterans Affairs, the Department of Agriculture, and the Federal Housing Finance Agency depending on the type of property or financing involved. It also directs the CFPB and FTC to issue a rule defining “junk fee” in rental housing and to treat furnishing information about unpaid junk fees to consumer reporting agencies as an unfair or unconscionable debt-collection practice under the Fair Debt Collection Practices Act.

Impact

If enacted, the bill would create new federal limits on landlord fee practices for a large segment of rental housing tied to federal assistance or federally backed financing, while also imposing new disclosure obligations before lease signing. It would affect owners of covered dwelling units, including private landlords, cooperatives, public housing agencies, and federal entities with leasing authority, and would require multiple federal agencies to coordinate rulemaking and enforcement. The measure would also add a federal consumer-protection overlay to rental debt collection by targeting reporting of unpaid junk fees to credit bureaus.

Sentiment

The bill’s sponsorship lineup suggests strong support among progressive and consumer-focused members of the House, and its title and structure indicate an emphasis on renter protections and fee transparency. No committee transcript or vote record is available here, so there is no recorded floor or committee debate to gauge broader bipartisan sentiment. Based on the text alone, the bill appears designed to respond to concerns about hidden rental costs and aggressive fee practices.

Contention

The main points of contention are likely to be the scope of the fee bans, the federal reach into landlord-tenant practices, and the disclosure requirements. Landlords and property owners may object to the prohibition on application and screening fees, the cap and timing limits on late fees, and the requirement to disclose prior litigation, pest issues, and historical rent increases. Housing-finance and regulatory stakeholders may also scrutinize the bill’s application to federally backed mortgages and the delegation of rulemaking to multiple agencies, while tenant advocates are likely to support these provisions as necessary protections against surprise charges and opaque leasing practices.