H.R. 1815 · 119th Congress

VA Home Loan Program Reform Act

Introduced on Mar 3, 2025 by Derrick Van Orden (R-WI-3). Became Public Law 119-31.

Stage
Became law
Public Law 119-31
Introduced
Mar 3, 2025
Cosponsors
0
Policy area
Armed Forces and National Security
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Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. Reported by committee
  3. Passed one chamber
  4. Passed both chambers
  5. Sent to the President
  6. Became law

Official title

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.

Subjects

  • Accounting and auditing
  • Congressional oversight
  • Government lending and loan guarantees
  • Real estate business
  • Veterans' loans, housing, homeless programs

Summary

By the Congressional Research Service (Public Law, Jul 30, 2025). Public domain.

VA Home Loan Program Reform Act

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.

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.)

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

Derrick Van OrdenR-WI-3Sponsor

No cosponsors.

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Mar 3, 2025Introduced in House
  2. Mar 3, 2025Introduced in House
  3. Mar 3, 2025 · HouseReferred to the House Committee on Veterans' Affairs.
  4. Mar 10, 2025 · HouseReferred to the Subcommittee on Economic Opportunity.
  5. Mar 10, 2025 · HouseSubcommittee Hearings Held
  6. Apr 9, 2025 · HouseSubcommittee Consideration and Mark-up Session Held
  7. Apr 9, 2025 · HouseForwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
  8. May 6, 2025 · HouseCommittee Consideration and Mark-up Session Held
  9. May 19, 2025Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
  10. May 19, 2025 · HouseReported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
  11. May 19, 2025 · HousePlaced on the Union Calendar, Calendar No. 77.
  12. May 19, 2025 · HouseMr. Bost moved to suspend the rules and pass the bill, as amended.
  13. May 19, 2025 · HouseConsidered under suspension of the rules. (consideration: CR H2126-2129)
  14. May 19, 2025 · HouseDEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
  15. May 19, 2025Passed/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)
  16. May 19, 2025 · HouseOn motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H2126-2127)
  17. May 19, 2025 · HouseMotion to reconsider laid on the table Agreed to without objection.
  18. May 20, 2025 · SenateReceived in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
  19. Jul 15, 2025Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
  20. Jul 15, 2025 · SenateSenate Committee on Veterans' Affairs discharged by Unanimous Consent.
  21. Jul 15, 2025Passed/agreed to in Senate: Passed Senate without amendment by Voice Vote.
  22. Jul 15, 2025 · SenatePassed Senate without amendment by Voice Vote. (consideration: CR S4373-4374)
  23. Jul 16, 2025 · SenateMessage on Senate action sent to the House.
  24. Jul 18, 2025Presented to President.
  25. Jul 18, 2025 · HousePresented to President.
  26. Jul 30, 2025Signed by President.
  27. Jul 30, 2025Signed by President.
  28. Jul 30, 2025Became Public Law No: 119-31.
  29. Jul 30, 2025Became Public Law No: 119-31.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. DISABLED AMERICAN VETERANS6 reports
    $910.6K reported (all issues)
  2. Fleet Reserve Association6 reports
    $720K reported (all issues)
  3. HOUSING POLICY COUNCIL6 reports
    $870K reported (all issues)
  4. MORTGAGE BANKERS ASSOCIATION6 reports
    $4.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  5. Community Home Lenders of America (fka Community Mortgage Lenders of America)5 reports
    $120K reported (all issues)
  6. Mortgage Research Center, LLC5 reports
    $300K reported (all issues)
  7. NATIONAL ASSOCIATION OF REALTORS5 reports
    $73M reported (all issues)
  8. PARALYZED VETERANS OF AMERICA5 reports
    $483.9K reported (all issues)
  9. CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP3 reports
    $230K reported (all issues)
  10. WELLS FARGO AND COMPANY3 reports
    $1.4M reported (all issues)
  11. FIRST AMERICAN FINANCIAL CORPORATION2 reports
    $160K reported (all issues)
  12. Pennymac Financial Services2 reports
    $70K reported (all issues)
  13. RKT HOLDINGS2 reports
    $1M reported (all issues)
  14. Rocket LP fka RKT HOLDINGS2 reports
    $1M reported (all issues)
  15. UNITED SERVICES AUTOMOBILE ASSOCIATION2 reports
    $930K reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 5, 2026 · loaded Oct 5, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.