119th Congress Armed Forces and National Security
H.R. 1815: VA Home Loan Program Reform Act
Became Law
- Introduced (completed)
- Passed House (completed)
- Passed Senate (completed)
- To the President (completed)
- Became law (completed)
Summary
This act authorizes the Department of Veterans Affairs (VA) to take certain actions in cases of default on home loans under the VA home loan program, establishes a partial claim program, and temporarily increases amounts authorized for transitional housing and supportive services for veterans who are experiencing homelessness.
First, the act 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.
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Next, the act 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.
Further, 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.
Finally, the act temporarily increases the amounts authorized for the VA’s Grant and Per Diem program for FY2025 and FY2026. (The program provides funding to public or nonprofit private entities that provide housing and supportive services to veterans experiencing homelessness.)
Written by the Congressional Research Service, Library of Congress.
Roll calls
No roll call votes have been held on this bill.
Amendments
No amendments were offered to this bill.
Who scored on this bill
- 1Derrick Van Orden SponsorIntroduced, marked up, reported, passed House, discharged, passed Senate, became law7 events+186
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Introductions and cosponsorships count toward weekly caps and show no points.
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History
- Signed by the President. Became Public Law 119-31.
- Presented to the President.
- Passed the Senate by voice vote.
- Passed the House by voice vote.
- Introduced in the House by Derrick Van Orden.
Show the full action history (23 actions)
- Signed by President.
- Became Public Law No: 119-31.
- Presented to President.
- Message on Senate action sent to the House.
- Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
- Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
- Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
- Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
- Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
- Placed on the Union Calendar, Calendar No. 77.
- Mr. Bost moved to suspend the rules and pass the bill, as amended.
- Considered under suspension of the rules. (consideration: CR H2126-2129)
- DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
- 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)
- On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
- Motion to reconsider laid on the table Agreed to without objection.
- Committee Consideration and Mark-up Session Held
- Subcommittee Consideration and Mark-up Session Held
- Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
- Referred to the Subcommittee on Economic Opportunity.
- Subcommittee Hearings Held
- Introduced in House
- Referred to the House Committee on Veterans' Affairs.