{"bill":{"id":"119-hr-1815","congress":119,"type":"HR","number":1815,"title":"VA Home Loan Program Reform Act","originChamber":"House","introducedDate":"2025-03-03","sponsors":[{"bioguideId":"V000135","fullName":"Rep. Van Orden, Derrick [R-WI-3]","party":"R","state":"WI","district":3}],"cosponsorsCount":0,"latestAction":{"actionDate":"2025-07-30","text":"Became Public Law No: 119-31."},"policyArea":"Armed Forces and National Security","subjects":["Accounting and auditing","Congressional oversight","Government lending and loan guarantees","Real estate business","Veterans' loans, housing, homeless programs"],"actions":[{"date":"2025-07-30","text":"Became Public Law No: 119-31.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-30","text":"Became Public Law No: 119-31.","type":"BecameLaw","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-30","text":"Signed by President.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-30","text":"Signed by President.","type":"BecameLaw","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-18","text":"Presented to President.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-07-18","text":"Presented to President.","type":"President","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-16","text":"Message on Senate action sent to the House.","type":"Floor","chamber":"Senate","hasVote":false},{"date":"2025-07-15","text":"Passed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)","type":"Floor","chamber":"Senate","hasVote":false},{"date":"2025-07-15","text":"Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.","type":"Floor","chamber":"Library of Congress","hasVote":false},{"date":"2025-07-15","text":"Senate Committee on Veterans' Affairs discharged by Unanimous Consent.","type":"Discharge","chamber":"Senate","hasVote":false},{"date":"2025-07-15","text":"Senate Committee on Veterans' Affairs discharged by Unanimous Consent.","type":"Committee","chamber":"Library of Congress","hasVote":false},{"date":"2025-05-20","text":"Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.","type":"IntroReferral","chamber":"Senate","hasVote":false},{"date":"2025-05-19","text":"Motion to reconsider laid on the table Agreed to without objection.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"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)","type":"Floor","chamber":"Library of Congress","hasVote":false},{"date":"2025-05-19","text":"DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"Considered under suspension of the rules. (consideration: CR H2126-2129)","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"Mr. Bost moved to suspend the rules and pass the bill, as amended.","type":"Floor","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"Placed on the Union Calendar, Calendar No. 77.","type":"Calendars","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.","type":"Committee","chamber":"House floor actions","hasVote":false},{"date":"2025-05-19","text":"Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.","type":"Committee","chamber":"Library of Congress","hasVote":false},{"date":"2025-05-06","text":"Committee Consideration and Mark-up Session Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-04-09","text":"Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-04-09","text":"Subcommittee Consideration and Mark-up Session Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-03-10","text":"Subcommittee Hearings Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-03-10","text":"Referred to the Subcommittee on Economic Opportunity.","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-03-03","text":"Referred to the House Committee on Veterans' Affairs.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2025-03-03","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2025-03-03","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>VA Home Loan Program Reform Act</strong></p><p>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.</p><p>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.</p><p>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.</p><p>Next, the bill establishes a five-year Partial Claim Program under which the VA may make a partial claim (purchase a&nbsp;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.</p><p>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.</p>","updateDate":"2026-03-31T20:19:44Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":924,"ts":"2026-04-15T12:49:17.659Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=VA%20Home%20Loan%20Program%20Reform%20Act"}]}}