This bill aims to prevent the implementation of specific adjustments to single-family housing mortgage credit fees by the Federal Housing Finance Agency (FHFA) and government-sponsored enterprises like Fannie Mae and Freddie Mac. It explicitly cancels changes announced by the FHFA on January 19, 2023, which were detailed in Lender Letter LL-2023-01 and Bulletin 2023-1. These specific changes are declared to have no force or effect. The legislation ensures that while these particular adjustments are nullified, it does not prohibit the enterprises from continuing to apply risk-based pricing for credit fees on single-family housing mortgages. This provision clarifies that the intent is to target specific fee framework alterations, not to eliminate the general practice of adjusting fees based on risk.