HR 1815 119th Congress
VA Home Loan Program Reform 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.
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Bill journey
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Introduction Congress.gov
Introduced
Introduced in the House.
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Referred to the House Committee on Veterans' Affairs.
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Introduced in House
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Introduced in House
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Introduced in House
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Subcommittee Hearings Held
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Referred to the Subcommittee on Economic Opportunity.
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Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
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Subcommittee Consideration and Mark-up Session Held
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Committee Consideration and Mark-up Session Held
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Placed on the Union Calendar, Calendar No. 77.
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Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
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Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
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Reported in House
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Engrossed in House
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Mr. Bost moved to suspend the rules and pass the bill, as amended.
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Considered under suspension of the rules. (consideration: CR H2126-2129)
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DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
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On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
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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)
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Motion to reconsider laid on the table Agreed to without objection.
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Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
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Referred in Senate
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Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
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Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
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Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
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Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
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Message on Senate action sent to the House.
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Presented to President.
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Presented to President.
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Became Public Law No: 119-31.
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Became Public Law No: 119-31.
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Signed by President.
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Signed by President.
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Public Law 119-31
VA Home Loan Program Reform Act
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Public Law
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View the complete bill journey as an accessible table
| Date and time | Record | Official detail | Source |
|---|---|---|---|
| IntroductionIntroduced | Introduced in the House. | Congress.gov | |
| Official actionReferred to the House Committee on Veterans' Affairs. | No additional detail supplied.IntroReferral · House floor actions · Code H11100 | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code Intro-H | Congress.gov | |
| Official actionIntroduced in House | No additional detail supplied.IntroReferral · Library of Congress · Code 1000 | Congress.gov | |
| Text versionIntroduced in House | A dated text-version record is available. | Congress.gov | |
| Official actionSubcommittee Hearings Held | No additional detail supplied.Committee · House committee actions · Code H21000 | Congress.gov | |
| Official actionReferred to the Subcommittee on Economic Opportunity. | No additional detail supplied.Committee · House committee actions · Code H11000 | Congress.gov | |
| Official actionForwarded by Subcommittee to Full Committee (Amended) by Voice Vote. | No additional detail supplied.Committee · House committee actions · Code H23000 | Congress.gov | |
| Official actionSubcommittee Consideration and Mark-up Session Held | No additional detail supplied.Committee · House committee actions · Code H22000 | Congress.gov | |
| Official actionCommittee Consideration and Mark-up Session Held | No additional detail supplied.Committee · House committee actions · Code H15001 | Congress.gov | |
| Official actionPlaced on the Union Calendar, Calendar No. 77. | No additional detail supplied.Calendars · House floor actions · Code H12410 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104. | No additional detail supplied.Committee · House floor actions · Code H12200 | Congress.gov | |
| Official actionReported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104. | No additional detail supplied.Committee · Library of Congress · Code 5000 | Congress.gov | |
| Text versionReported in House | A dated text-version record is available. | Congress.gov | |
| Text versionEngrossed in House | A dated text-version record is available. | Congress.gov | |
| Official actionMr. Bost moved to suspend the rules and pass the bill, as amended. | No additional detail supplied.Floor · House floor actions · Code H30300 | Congress.gov | |
| Official actionConsidered under suspension of the rules. (consideration: CR H2126-2129) | No additional detail supplied.Floor · House floor actions · Code H30000 | Congress.gov | |
| Official actionDEBATE - The House proceeded with forty minutes of debate on H.R. 1815. | No additional detail supplied.Floor · House floor actions · Code H8D000 | Congress.gov | |
| Official actionOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127) | No additional detail supplied.Floor · House floor actions · Code H37300 | Congress.gov | |
| Official actionPassed/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) | No additional detail supplied.Floor · Library of Congress · Code 8000 | Congress.gov | |
| Official actionMotion to reconsider laid on the table Agreed to without objection. | No additional detail supplied.Floor · House floor actions · Code H38310 | Congress.gov | |
| Official actionReceived in the Senate and Read twice and referred to the Committee on Veterans' Affairs. | No additional detail supplied.IntroReferral · Senate | Congress.gov | |
| Text versionReferred in Senate | A dated text-version record is available. | Congress.gov | |
| Official actionPassed Senate without amendment by Voice Vote. (consideration: CR S4373-4374) | No additional detail supplied.Floor · Senate | Congress.gov | |
| Official actionPassed/agreed to in Senate: Passed Senate without amendment by Voice Vote. | No additional detail supplied.Floor · Library of Congress · Code 17000 | Congress.gov | |
| Official actionSenate Committee on Veterans' Affairs discharged by Unanimous Consent. | No additional detail supplied.Discharge · Senate | Congress.gov | |
| Official actionSenate Committee on Veterans' Affairs discharged by Unanimous Consent. | No additional detail supplied.Committee · Library of Congress · Code 14500 | Congress.gov | |
| Official actionMessage on Senate action sent to the House. | No additional detail supplied.Floor · Senate | Congress.gov | |
| Official actionPresented to President. | No additional detail supplied.Floor · House floor actions · Code E20000 | Congress.gov | |
| Official actionPresented to President. | No additional detail supplied.President · Library of Congress · Code 28000 | Congress.gov | |
| Official actionBecame Public Law No: 119-31. | No additional detail supplied.President · Library of Congress · Code E40000 | Congress.gov | |
| Official actionBecame Public Law No: 119-31. | No additional detail supplied.BecameLaw · Library of Congress · Code 36000 | Congress.gov | |
| Official actionSigned by President. | No additional detail supplied.President · Library of Congress · Code E30000 | Congress.gov | |
| Official actionSigned by President. | No additional detail supplied.BecameLaw · Library of Congress · Code 36000 | Congress.gov | |
| Enactment recordPublic Law 119-31 | VA Home Loan Program Reform Act | Congress.gov | |
| Text versionPublic Law | A dated text-version record is available. | Congress.gov |
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Congressional Research Service
CRS summary
VA Home Loan Program Reform ActThis 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.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.)
VA Home Loan Program Reform ActThis 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 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.
Official documents
Text versions
- Enrolled BillNot supplied
- Referred in SenateMay 20, 2025
- Reported in HouseMay 19, 2025
- Engrossed in HouseMay 19, 2025
- Introduced in HouseMar 3, 2025
- Public LawJul 31, 2025