HR 1815
· 119th Congress
· Armed Forces and National Security
VA Home Loan Program Reform Act
Sponsor
Latest action
Became Public Law No: 119-31.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Jul 30, 2025
signed
Signed by President.
Jul 30, 2025
signed
Became Public Law No: 119-31.
Jul 18, 2025
sent
Presented to President.
Jul 16, 2025
floor
Message on Senate action sent to the House.
Jul 15, 2025
committee
Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
Veterans' Affairs Committee
Jul 15, 2025
passed
Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
Jul 15, 2025
passed
Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
May 20, 2025
introduced
Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
Veterans' Affairs Committee
May 19, 2025
committee
Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
Veterans' Affairs Committee
May 19, 2025
other
Placed on the Union Calendar, Calendar No. 77.
May 19, 2025
floor
Mr. Bost moved to suspend the rules and pass the bill, as amended.
May 19, 2025
floor
Considered under suspension of the rules. (consideration: CR H2126-2129)
May 19, 2025
floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
May 19, 2025
passed
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
May 19, 2025
passed
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
May 19, 2025
passed
Motion to reconsider laid on the table Agreed to without objection.
May 06, 2025
committee
Committee Consideration and Mark-up Session Held
Veterans' Affairs Committee
Apr 09, 2025
committee
Subcommittee Consideration and Mark-up Session Held
Economic Opportunity Subcommittee
Apr 09, 2025
committee
Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
Economic Opportunity Subcommittee
Mar 10, 2025
committee
Referred to the Subcommittee on Economic Opportunity.
Economic Opportunity Subcommittee
Mar 10, 2025
committee
Subcommittee Hearings Held
Economic Opportunity Subcommittee
Mar 03, 2025
introduced
Introduced in House
Mar 03, 2025
introduced
Referred to the House Committee on Veterans' Affairs.
Veterans' Affairs Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
00
Introduced in House
Mar 03, 2025
VA Home Loan Program Reform Act
This bill authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program and establishes a partial claim program.
First, the bill authorizes the VA to pay the holder of a loan guaranteed by the VA an amount necessary to avoid the foreclosure of the loan, provided that the holder of the loan and the veteran obligated on the loan execute documents to ensure the VA obtains a secured interest in the property covered by the loan.
The VA must prescribe loss mitigation procedures to help prevent the foreclosure of such a home loan. The VA may not take specified administrative actions (e.g., consent to the modification of loan terms) until the sequence of mitigation options has been completed.
Next, the bill establishes a five-year Partial Claim Program under which the VA may make a partial claim (purchase a portion of the indebtedness) on VA loans for primary residences that are in default or at imminent risk of default. Individuals who default on loans for which the VA has made a partial claim under this program must be liable to the VA for any loss resulting from the default.
Finally, the VA must report to Congress on its strategy to ensure that veterans who purchase homes under the VA home loan program are not at a disadvantage when attempting to secure representation by a real estate agent or broker.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+60
−86
80 unchanged
Generating AI summary
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Reading both versions of the bill and writing a plain-English summary. Typical bills take 5–15 seconds; large reconciliation bills can take a minute. This summary will be cached after generation.
--- Engrossed (House)
+++ Enrolled
@@ -1,15 +1,20 @@
[From the U.S. Government Publishing Office]
-[H.R. 1815 Engrossed in House (EH)]
-
-<DOC>
-
-119th CONGRESS
-1st Session
-H. R. 1815
-
-_______________________________________________________________________
-
-AN ACT
+[H.R. 1815 Enrolled Bill (ENR)]
+
+H.R.1815
+
+One Hundred Nineteenth Congress
+
+of the
+
+United States of America
+
+AT THE FIRST SESSION
+
+Begun and held at the City of Washington on Friday,
+the third day of January, two thousand and twenty-five
+
+An Act
To amend title 38, United States Code, to authorize the Secretary of
Veterans Affairs to take certain actions in the case of a default on a
@@ -17,42 +22,35 @@
Be it enacted by the Senate and House of Representatives of the
United States of America in Congress assembled,
-
SECTION 1. SHORT TITLE.
-
This Act may be cited as the ``VA Home Loan Program Reform Act''.
-
SEC. 2. AUTHORITY OF THE SECRETARY OF VETERANS AFFAIRS TO TAKE CERTAIN
-ACTIONS IN THE CASE OF A DEFAULT ON A HOME LOAN
-GUARANTEED BY THE SECRETARY.
-
+ACTIONS IN THE CASE OF A DEFAULT ON A HOME LOAN GUARANTEED BY THE
+SECRETARY.
(a) In General.--Section 3732 of title 38, United States Code, is
amended--
(1) in subsection (a)--
-(A) in paragraph (1), by striking ``obligation''
-each place it appears and inserting ``loan'';
+(A) in paragraph (1), by striking ``obligation'' each place
+it appears and inserting ``loan'';
(B) in paragraph (2)--
-(i) by amending subparagraph (A) to read as
-follows:
+(i) by amending subparagraph (A) to read as follows:
``(A) The Secretary may, under terms and conditions determined by
the Secretary--
-``(i) pay the holder of a loan guaranteed under this
-chapter an amount necessary to avoid the foreclosure of such
-loan;
-``(ii) require the holder of the loan and the veteran
-obligated on the loan to execute all documents necessary to
-ensure the Secretary obtains a secured interest in the property
-covered by the loan; and
+``(i) pay the holder of a loan guaranteed under this chapter an
+amount necessary to avoid the foreclosure of such loan;
+``(ii) require the holder of the loan and the veteran obligated
+on the loan to execute all documents necessary to ensure the
+Secretary obtains a secured interest in the property covered by the
+loan; and
``(iii) require the holder of the loan to take any actions
necessary to carry out this paragraph, including preparing,
-executing, transmitting, receiving, and recording documents,
-and requiring the holder of the loan to place the loan in
+executing, transmitting, receiving, and recording documents, and
+requiring the holder of the loan to place the loan in
forbearance.'';
-(ii) in subparagraph (B), by striking
-``obligation'' each place it appears and
-inserting ``housing loan''; and
-(iii) by adding at the end the following
-new subparagraphs:
+(ii) in subparagraph (B), by striking ``obligation''
+each place it appears and inserting ``housing loan''; and
+(iii) by adding at the end the following new
+subparagraphs:
``(C)(i) Any decision by the Secretary under this paragraph is
final and is not subject to judicial review.
``(ii) For purposes of section 511 of this title, any decision
@@ -65,15 +63,14 @@
``(ii) The Secretary shall carry out, on a random-sampling basis,
post-payment audits to ensure compliance with all requirements
described in clause (i).''; and
-(C) in paragraph (5), by striking ``obligation''
-and inserting ``loan'';
+(C) in paragraph (5), by striking ``obligation'' and
+inserting ``loan'';
(2) in subsection (c)--
-(A) in paragraph (1), in the matter preceding
-subparagraph (A), by striking ``subsection--'' and
-inserting ``subsection:''; and
-(B) in paragraph (10)(B)(i), by striking
-``forebearance'' each place it appears and inserting
-``forbearance''; and
+(A) in paragraph (1), in the matter preceding subparagraph
+(A), by striking ``subsection--'' and inserting
+``subsection:''; and
+(B) in paragraph (10)(B)(i), by striking ``forebearance''
+each place it appears and inserting ``forbearance''; and
(3) by adding at the end the following new subsection:
``(d) The Secretary shall prescribe loss mitigation procedures,
including a mandatory sequence in which the holder of a loan guaranteed
@@ -87,17 +84,15 @@
(1) in subsection (a), by striking ``Notwithstanding'' and
inserting ``Except as provided in subsection (h),
notwithstanding'';
-(2) by redesignating subsections (f) through (h) as
-subsections (e) through (g), respectively; and
+(2) by redesignating subsections (f) through (h) as subsections
+(e) through (g), respectively; and
(3) by adding at the end the following new subsection (h):
``(h) The Secretary may not take any action under paragraph (2),
(3), (4), or (5) of subsection (a) with respect to a loan guaranteed
under this chapter before the completion of the sequence of mitigation
options offered to the veteran to whom the loan is made under section
3732(d) of this title.''.
-
SEC. 3. PARTIAL CLAIM PROGRAM OF THE DEPARTMENT OF VETERANS AFFAIRS.
-
(a) In General.--Subchapter III of chapter 37 of title 38, United
States Code, is amended by adding at the end the following new section:
``Sec. 3737. Partial Claim Program
@@ -116,10 +111,9 @@
``(1) pays to the holder of the loan the amount of
indebtedness, subject to subsection (c), that the Secretary
determines necessary to help prevent or resolve a default; and
-``(2) receives a secured interest in the property that
-serves as collateral for the guaranteed loan, which is
-subordinate to the first lien guaranteed loan for such
-property.
+``(2) receives a secured interest in the property that serves
+as collateral for the guaranteed loan, which is subordinate to the
+first lien guaranteed loan for such property.
``(c) Administration of Partial Claim.--(1)(A) Subject to
subparagraph (B), the amount of a partial claim under this section with
respect to a loan guaranteed described in subsection (a) may not exceed
@@ -136,11 +130,10 @@
``(B) The Secretary may make an additional partial claim on a loan
guaranteed under this chapter in the case of an individual who failed
to make a payment on such loan during--
-``(i) a major disaster declared by the President under
-section 401 of the Robert T. Stafford Disaster Relief and
-Emergency Assistance Act (42 U.S.C. 5170); or
-``(ii) the period of 120 days following such a major
-disaster.
+``(i) a major disaster declared by the President under section
+401 of the Robert T. Stafford Disaster Relief and Emergency
+Assistance Act (42 U.S.C. 5170); or
+``(ii) the period of 120 days following such a major disaster.
``(3) An amount paid to the holder of a loan as a partial claim--
``(A) shall not count against the amount of a loan that may
otherwise be guaranteed under this chapter; and
@@ -205,10 +198,10 @@
``(h) Guidance With Respect to Certain Loans.--(1) With respect to
a loan described in paragraph (2), the Secretary may--
``(A) before prescribing regulations, issue administrative
-guidance regarding the making of a partial claim relating to
-such loan; and
-``(B) establish, through such guidance, additional
-requirements applicable to such a partial claim.
+guidance regarding the making of a partial claim relating to such
+loan; and
+``(B) establish, through such guidance, additional requirements
+applicable to such a partial claim.
``(2) A loan described in this paragraph is a loan that the
Secretary determines was in default on the date of the enactment of
this section.
@@ -221,12 +214,9 @@
(b) Clerical Amendment.--The table of sections at the beginning of
such chapter is amended by inserting after the item relating to section
3736 the following new item:
-
``3737. Partial Claim Program.''.
-
SEC. 4. STRATEGY OF THE SECRETARY OF VETERANS AFFAIRS REGARDING THE
EFFECT OF CERTAIN LITIGATION.
-
Not later than 90 days after the date of the enactment of this Act,
the Secretary of Veterans Affairs shall submit to the Committees on
Veterans' Affairs of the Senate and House of Representatives a report
@@ -236,34 +226,18 @@
representation by a real estate agent or broker. Such strategy may
include amendments to section 36.4313 of title 38, Code of Federal
Regulations.
-
SEC. 5. INCREASE OF AUTHORIZATION OF APPROPRIATIONS FOR COMPREHENSIVE
SERVICE PROGRAMS FOR HOMELESS VETERANS.
-
Section 2016 of title 38, United States Code, is amended--
-(1) in paragraph (7), by striking ``fiscal year 2015 and
-each subsequent fiscal year'' and inserting ``each of fiscal
-years 2015 through 2024''; and
+(1) in paragraph (7), by striking ``fiscal year 2015 and each
+subsequent fiscal year'' and inserting ``each of fiscal years 2015
+through 2024''; and
(2) by adding at the end the following new paragraphs:
``(8) $344,000,000 for each of fiscal years 2025 and 2026.
``(9) $257,700,000 for each fiscal year thereafter through
fiscal year 2030.''.
-Passed the House of Representatives May 19, 2025.
-
-Attest:
-
-Clerk.
-119th CONGRESS
-
-1st Session
-
-H. R. 1815
-
-_______________________________________________________________________
-
-AN ACT
-
-To amend title 38, United States Code, to authorize the Secretary of
-Veterans Affairs to take certain actions in the case of a default on a
-home loan guaranteed by the Secretary, and for other purposes.
+Speaker of the House of Representatives.
+
+Vice President of the United States and
+President of the Senate.
Lobbying activity
Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.
5
filings · 2026 Q3
5
filings · 2026 Q3
4
filings · 2026 Q3
3
filings · 2025 Q3
MISSION ROLL CALL
BUDDEFEDUHCRHOUIND
1
filings · 2025 Q4
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