VA Home Loan Program Reform Act
Public Law 119-31 · H.R. 1815 · 119th Congress · began in the House
Signed by Donald Trump (R) on Jul 30, 2025 · Armed Forces and National Security
Sponsor: Rep. Derrick Van Orden (R-WI-3)
Cosponsors: None
Passage votes
- HouseVoice vote
- SenateVoice vote
Data notes
The final version of the law, as each chamber passed it. A chamber that passed it by voice vote or unanimous consent has no count. “Method not stated” means the record does not say how the chamber voted. Where the record has a member-by-member vote, the “Who voted for it” section shows who voted yea.
Summary
The Congressional Research Service’s plain-language summary of what the law does.
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.)
Committees
The committees the bill was sent to, and what each did with it.
Veterans' Affairs Committee · House · markup by, referred to, reported bySubcommittee: Economic Opportunity Subcommittee
Data notes
A committee links to its page only where it exists in the current Congress; older and renamed committees are named without a link.
Related bills
1 bill the Library of Congress relates to this one.
H.R. 3013Public law contains the text
To amend title 38, United States Code, to increase the authorization of appropriations for comprehensive service programs for homeless veterans.
Data notes
Related bills are identified by the Congressional Research Service, the House and the Senate: companion and identical bills, bills with similar text, bills that were folded into this law, and rules that brought it to the floor. A bill that is itself a public law in this site’s data links here; the others link to Congress.gov.
Timeline
From introduction to signing, newest first: the committees, the floor and the president. 22 actions.
- Jul 30, 2025Became lawBecame law · Became Public Law No: 119-31.
- Became lawBecame law · Signed by President.
- Jul 18, 2025FloorFloor · Presented to President.
- Jul 16, 2025FloorFloor · Message on Senate action sent to the House.
- Jul 15, 2025FloorFloor · Passed Senate without amendment by Voice Vote.
- CommitteeCommittee · Senate Committee on Veterans' Affairs discharged by Unanimous Consent.
- May 20, 2025CommitteeCommittee · Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
- May 19, 2025FloorFloor · Motion to reconsider laid on the table Agreed to without objection.
- FloorFloor · On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.
- FloorFloor · DEBATE - The House proceeded with forty minutes of debate on H.R. 1815.
- FloorFloor · Considered under suspension of the rules.
- FloorFloor · Mr. Bost moved to suspend the rules and pass the bill, as amended.
- CalendarCalendar · Placed on the Union Calendar, Calendar No. 77.
- CommitteeCommittee · Reported (Amended) by the Committee on Veterans' Affairs. H. Rept. 119-104.
- May 6, 2025CommitteeCommittee · Committee Consideration and Mark-up Session Held
- Apr 9, 2025CommitteeCommittee · Forwarded by Subcommittee to Full Committee (Amended) by Voice Vote.
- CommitteeCommittee · Subcommittee Consideration and Mark-up Session Held
- Mar 10, 2025CommitteeCommittee · Subcommittee Hearings Held
- CommitteeCommittee · Referred to the Subcommittee on Economic Opportunity.
- CommitteeCommittee · Hearings by Economic Opportunity Subcommittee of the House Veterans' Affairs Committee
- Mar 3, 2025CommitteeCommittee · Referred to the House Committee on Veterans' Affairs.
- IntroducedIntroduced · Introduced in House
Data notes
Every action the Library of Congress lists for the bill, from introduction to signing, plus the dated committee hearings. The source lists many steps twice (the chamber’s own entry and the Library of Congress copy, or a presidential and a became-law entry with the same words); those are shown once. Amendments are listed in their own section.
Amendments
No amendments to this bill are on record.
Data notes
Amendments offered to this bill in either chamber, as the Library of Congress records them: each with a status read from its last recorded step: agreed to, rejected, withdrawn, ruled out of order, fell with another amendment, or offered with no vote recorded (most Senate amendments are only ever offered). The wording of each amendment is the source’s. Amendments to amendments and amendments to other bills are not listed.
Official record
The bill’s full text is on Congress.gov. Data through Oct 7, 2026.