This bill, known as the "End Junk Fees for Renters Act," aims to protect tenants in covered dwelling units by regulating and prohibiting certain fees. It specifically bans owners of these units from assessing or collecting any fees or charges from households in connection with submitting a rental application. Additionally, it prohibits fees for tenant screening, criminal history checks, consumer reports, or any other background checks. The legislation also establishes strict limits on late fees for rent, permitting them only if they are less than 3% of the monthly rent and if 15 days have elapsed since the rent was due. Owners are required to disclose these late fee conditions in all new leases. Furthermore, before a lease is signed, owners must provide tenants with detailed disclosures, including the total monthly amount due, a summary of past litigation, ongoing pest and maintenance issues, and the property's rent increase history for the previous 10 years. The bill defines "covered dwelling units" as those receiving federal assistance or subject to federally-backed single-family or multifamily mortgage loans. Various federal agencies, including the Departments of Housing and Urban Development, Veterans Affairs, and Agriculture, along with the Federal Housing Finance Agency, are designated as appropriate regulators based on the type of federal backing. Finally, the Bureau of Consumer Financial Protection and the Federal Trade Commission are mandated to issue a rule within 180 days to define "junk fee" for rental housing and to deem the reporting of unpaid junk fees to consumer reporting agencies as an unfair debt collection practice.