#aae? ,,congress  #a/ ,session  ,h4 ,r4 
#cgje  ,,an ,,act  ,to direct !         
,secret>y ( ,vet]ans ,affairs to require
 ! use ( c]tifi$ mail & pla9 language 9 
c]ta9 debt collection activities4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,vet]ans ,fair ,debt ,notice ,act (     
#bjag4  #b4 ,dep>tm5t ( ,vet]ans        
,affairs notice relat+ to debt          
collection activities  7a7 ,debt        
notification lett]s ,! ,secret>y (      
,vet]ans ,affairs %all collaborate )    
vet]ans s]vice organizations to write a 
/&>d lett] to be provid$ to individuals 
:o ! ,secret>y det]m9es owe debts to !  
,dep>tm5t ( ,vet]ans ,affairs4 ,su*     
lett] %all be writt5 9 pla9 language &  
%all include a notice ( ! debt & a cle> 
explanation (--  7#a7 :y ! individual   
owes money to ! ,dep>tm5t ( ,vet]ans    
,affairs2 &  7#b7 ! options available to
 ! individual4  7b7 ,deliv]y ( lett]s ,!
 ,secret>y %all develop a me?od by :i*  
individuals may elect to receive debt   
notification lett]s by electronic means 

& %all ensure1 to ! ext5t practicable1 t
 ! lett] develop$ "u subsection 7a7 is  
deliv]$ to int5d$ recipi5ts :o h made   
su* an election by bo? /&>d mail & by   
electronic means & to int5d$ recipi5ts  
:o h n made su* an election only by /&>d
 mail4  7c7 ,notice to ,congress  7#a7  
,notice ( completion ,^u completion ( ! 
lett] requir$ "u subsection 7a71 !      
,secret>y %all submit to ,congress      
notice ( ! completion ( ! lett]4  7#b7  
,progress reports ,if ! ,secret>y has n 
submitt$ ! notice requir$ by p>agraph   
7#a7 by ! date t is #ij days aft] ! date
 ( ! enactm5t ( ?is ,act1 ! ,secret>y   
%all-- 7,a7 submit to ,congress a report
 describ+ ! progress ( ! ,secret>y t[>d 
implem5t+ subsection 7a7 & an           
explanation = :y ! lett] has n be5      
complet$2 &  7,b7 e #cj days !reaft]    
until ! submittal ( ! notice requir$ by 
p>agraph 7#a71 submit to ,congress an   
update to ! report "u subp>agraph 7,a7 t
 includes an additional explanation = ! 
failure to complete ! lett]4  7d7 ,/udy2

 report  7#a7 ,/udy ,! ,secret>y (      
,vet]ans ,affairs %all conduct a /udy on
 ! process by :i* ! ,dep>tm5t ( ,vet]ans
 ,affairs notifies vet]ans ( debt       
collection ef=ts4 ,su* /udy %all        
include--  7,a7 an analysis ( ! scope ( 
! problem ( vet]ans n receiv+ debt      
collection notices2  7,b7 a description 
( any non-legislative actions !         
,secret>y c\ld take to r$uce ! numb] (  
incorrect or unkn[n addresses ( vet]ans 
9 ! databases ( ! ,dep>tm5t & a timel9e 
= adopt+ su* actions2 &  7,c7 an e/imate
 ( ! co/s associat$ ) s5d+ debt         
collection notices by c]tifi$ mail4     
7#b7 ,report ,n lat] ?an #ab mon?s aft] 
! date ( ! enactm5t ( ?is ,act1 !       
,secret>y %all submit to ,congress a    
report on ! /udy conduct$ "u p>agraph   
7#a74  ,pass$ ! ,h\se ( ,repres5tatives 
,novemb] #h1 #bjag4;,cl]k4