senateStanding
Veterans' Affairs Committee
- Referred To
- Discharged From
← Back to federal legislation0 ratings0 comments Official committee record ↗ Official committee record ↗
H.R. 1815Became law
VA Home Loan Program Reform Act
Introduced: Mar 3, 2025
Latest action date: Jul 30, 2025
Latest development
Became Public Law No: 119-31.
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- Congress
- 119th Congress
- Introduced
- Mar 3, 2025
- Recorded roll calls
- 0
Status detail: Congress.gov records that the measure became law.
Plain-language overview
What this bill does
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.
Official summary from Congress.gov.
Civixly topics
What this legislation is about
Civixly topics make federal and state legislation comparable. They are derived from the official CRS policy area and legislative subjects.
Official CRS policy area
Armed Forces and National Security
View 5 official legislative subjects
Accounting and auditingCongressional oversightGovernment lending and loan guaranteesReal estate businessVeterans' loans, housing, homeless programs
Committee activity
Committees and subcommittees that received, reviewed, marked up, or reported this legislation.
Official committee record ↗
houseStanding
Veterans' Affairs Committee
- Referred To
- Markup By
- Reported By
houseSubcommittee
Economic Opportunity Subcommittee
- Referred to
- Hearings By (subcommittee)
- Markup by
- Reported by
Amendments
Proposed changes to this measure, with their latest official outcome or action from Congress.gov.
No amendments are listed for this measure.
Checked against Congress.gov Sep 30, 2026.
Action timeline
Newest action first. Action language comes from the official Congress.gov record.
View full action timeline29 actions
Signed by President.
PresidentLibrary of CongressBecame Public Law No: 119-31.
PresidentLibrary of CongressSigned by President.
BecameLawLibrary of CongressBecame Public Law No: 119-31.
BecameLawLibrary of CongressPresented to President.
PresidentLibrary of CongressPresented to President.
FloorHouse floor actionsMessage on Senate action sent to the House.
FloorSenateSenate Committee on Veterans' Affairs discharged by Unanimous Consent.
CommitteeLibrary of CongressSenate Committee on Veterans' Affairs discharged by Unanimous Consent.
DischargeSenatePassed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
FloorLibrary of CongressPassed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
FloorSenateReceived in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
IntroReferralSenateMotion to reconsider laid on the table Agreed to without objection.
FloorHouse floor actionsPassed/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)
FloorLibrary of CongressOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
FloorHouse floor actionsDEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
FloorHouse floor actionsConsidered under suspension of the rules. (consideration: CR H2126-2129)
FloorHouse floor actionsMr. Bost moved to suspend the rules and pass the bill, as amended.
FloorHouse floor actionsPlaced on the Union Calendar, Calendar No. 77.
CalendarsHouse floor actionsReported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
CommitteeLibrary of CongressReported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
CommitteeHouse floor actionsCommittee Consideration and Mark-up Session Held
CommitteeHouse committee actionsSubcommittee Consideration and Mark-up Session Held
CommitteeHouse committee actionsForwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
CommitteeHouse committee actionsSubcommittee Hearings Held
CommitteeHouse committee actionsReferred to the Subcommittee on Economic Opportunity.
CommitteeHouse committee actionsReferred to the House Committee on Veterans' Affairs.
IntroReferralHouse floor actionsIntroduced in House
IntroReferralLibrary of CongressIntroduced in House
IntroReferralLibrary of Congress
Roll-call votes
Recorded House and Senate votes connected to this bill. Your representatives appear first when available.
No connected roll-call votes are currently available for this bill.
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