,i  #aae? ,,congress  #b;d ,session  ,h4
 ,r4 #gadd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,novemb] #af1         
#bjah,mr4 ,delaney 7= himself1 ,mr4     
,trott1 ,mr4 ,ryan ( ,ohio1 ,mr4        
,c(fman1 ,mr4 ,sean ,patrick ,maloney ( 
,new ,york1 ,mrs4 ,d+ell1 ,mr4 ,fo/]1   
,mr4 ,rask91 ,mr4 ,kilm]1 & ,mr4        
,johnson ( ,georgia7 introduc$ ! foll[+ 
bill2 :i* 0 ref]r$ to ! ,committee on   
,vet]ans' ,affairs  ,a ,,bill  ,to am5d 
title #ch1 ,unit$ ,/ates ,code1 to      
improve ! process+ ( vet]ans b5efits by 
! ,dep>tm5t ( ,vet]ans ,affairs1 to     
limit ! au?ority ( ! ,secret>y (        
,vet]ans ,affairs to recov] ov]paym5ts  
made by ! ,dep>tm5t & o!r am\nts ow$ by 
vet]ans to ! ,unit$ ,/ates1 to improve !
 due process accord$ vet]ans ) respect  
to su* recov]y1 & = o!r purposes4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,vet]an ,debt ,fairness ,act ( #bjah4   
#b4 ,limitations on au?ority ( !        
,secret>y ( ,vet]ans ,affairs to recov] 
am\nts ow$ by vet]ans to ! ,unit$ ,/ates

  7a7 ,indebt$ness (fsets ,section #ecad
 ( title #ch1 ,unit$ ,/ates ,code1 is   
am5d$ z foll[s3  7#a7 ,9 subsection     
7a7-- 7,a7 by ins]t+ ,au?ority ,to      
(fset2 limitations4--7#a7 be=e ,subject 
to2  7,b7 by /rik+ subsections 7b7 & 7d7
 ( ?is section & & ins]t+ p>agraphs 7#b7
 & 7#c7 ( ?is subsection1 subsections   
7b7 & 7d7 ( ?is section1 &2 &  7,c7 by  
add+ at ! end ! foll[+ new p>agraph3    
7#b7 ,! ,secret>y may make a d$uction "u
 p>agraph 7#a7 only if-- 7,a7 !         
indebt$ness to ! ,unit$ ,/ates describ$ 
9 t p>agraph--  7i7 is ! result ( an    
error1 a misrepres5tation1 or fraud by !
 p]son describ$ 9 t p>agraph2  7ii7 9 ! 
case ( an error by ! p]son describ$ 9 t 
p>agraph1 is less ?an five ye>s old2    
7iii7 is n 9 dispute "u regulations     
prescrib$ pursuant to subsection        
7d77#b77;,a72 &  7iv7 exce$s #b1ejj2 &  
7,b7 ! ,secret>y det]m9es t ! am\nt ( ! 
indebt$ness exce$s ! co/ to ! ,dep>tm5t 
to recov] ! indebt$ness4  7#c7 ,!       
,secret>y may n make a d$uction "u      

p>agraph 7#a7 to a paym5t "u *apt] #aa  
or #ae ( ?is title t exce$s ! less] (-- 
7,a7 #be p]c5t ( ! paym5t2 &  7,b7 a    
p]c5tage t ! ,secret>y det]m9es is !    
greate/ p]c5tage t w\ld n cause a h>d%ip
 to ! recipi5t4  4  7#b7 ,9 subsection  
7b7-- 7,a7 by /rik+ ,d$uctions may n be 
made & ins]t+ ,notice requir$4--,no     
d$uction may be made2  7,b7 by /rik+    
unless ! ,secret>y & ins]t+ until aft]2 
7,c7 by am5d+ p>agraph 7#a7 to read z   
foll[s3  7#a7 ! ,secret>y has made      
reasonable ef=ts to notify ! p]son ( !  
p]son's "r-- 7,a7 to dispute ! exi/5ce  
or am\nt ( su* indebt$ness "u           
regulations prescrib$ pursuant to       
subsection 7d77#b77;,a72  7,b7 to reque/
 a waiv] ( su* indebt$ness "u section   
#ecjb ( ?is title2 &  7,c7 9 ! case ( a 
paym5t "u *apt] #aa or #ae ( ?is title1 
to reque/ ! ,secret>y make a det]m9ation
 "u subsection 7a77#c77;,b72  2 &  7,d7 
9 p>agraph 7#b71 by ins]t+ ! ,secret>y  
be=e has made2 &  7,e7 by am5d+ p>agraph
 7#c7 to read z foll[s3  7#c7 ! day t is

 #ij cal5d> days aft] ! day ! ,secret>y 
s5ds notice to ! p]son ( ! indebt$ness &
 ( ! propos$ d$uction4  4  7#c7 ,9      
subsection 7c71 by ins]t+               
,inapplicability ( /atutes ( limitations
 to adm9i/rative actions4-- be=e        
,not)/&+4  7#d7 ,9 subsection 7d7--     
7,a7 by ins]t+ ,regulations4--7#a7 be=e 
,! ,secret>y 2 &  7,b7 by add+ at ! end 
! foll[+ new p>agraph3  7#b7 ,!         
regulations "u p>agraph 7#a7 %all       
include adm9i/rative processes by :i* a 
p]son describ$ 9 p>agraph 7#a7 (        
subsection 7a7 may--  7,a7 dispute !    
exi/5ce or am\nt ( indebt$ness describ$ 
9 t p>agraph2 &  7,b7 reque/ t !        
,secret>y make a det]m9ation "u p>agraph
 7#c77;,b7 ( su* subsection4  7#c7 ,!   
regulations "u p>agraph 7#a7 %all direct
 ! ,secret>y to ensure t ea* dispute "u 
p>agraph 7#b77;,a7 is adjudicat$ n lat] 
?an #abj days aft] ! initiation ( su*   
dispute4  7#d7 ,! regulations "u        
p>agraph 7#a7 may n p]mit ! ,secret>y to
 submit to any debt collector 7z def9$ 9

 section #hjc ( ! ,fair ,debt           
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;a77 any debt 9 dispute  
"u p>agraph 7#b77;,a74  7#e7 ,no?+ 9 ?is
 subsection %all be con/ru$ to prohibit 
a p]son f seek+ relief f a c\rt (       
compet5t jurisdiction4  4  7b7          
,limitations on int]e/ & fees *>g$ dur+ 
p]iod ( dispute ,section #ecae ( su*    
title is am5d$-- 7#a7 9 subsection      
7b77#a71 9 ! fir/ s5t5ce by /rik+ or    
7,b7 & ins]t+ 7,b7 = any p]iod dur+ :i* 
! exi/5ce or am\nt ( ! indebt$ness is   
be+ disput$ "u regulations prescrib$    
pursuant to section #ecad7;d7 ( ?is     
title1 or 7,c72 &  7#b7 9 subsection    
7c7-- 7,a7 by ins]t+ 7#a7 be=e ,!       
adm9i/rative2 &  7,b7 by add+ at ! end !
 foll[+ new p>agraph3  7#b7 ,no         
adm9i/rative co/s may be *>g$ "u ?is    
section ) respect to indebt$ness        
describ$ 9 subsection 7a7 :ile ! exi/5ce
 or am\nt ( ! indebt$ness is be+ disput$
 "u section #ecad7;d7 ( ?is title4  4   
7c7 ,limitation on au?ority ,to sue ,to 

collect c]ta9 debts ,section #ecaf7;a7 (
 title #ch1 ,unit$ ,/ates1 is am5d$--   
7#a7 9 p>agraph 7#a71 by /rik+ p>agraphs
 7#b7 & 7#c7 & ins]t+ p>agraphs 7#b71   
7#c71 & 7#d72  7#b7 by r$esignat+       
p>agraph 7#c7 z p>agraph 7#d72 &  7#c7  
by ins]t+ aft] p>agraph 7#b7 ! foll[+   
new p>agraph 7#c73  7#c7 ,no suit may be
 fil$ "u ?is section to recov] any      
indebt$ness m ?an five ye>s old4  4  7d7
 ,repair ( cr$it  7#a7 ,9 g5]al ,*apt]  
#ec ( su* title is am5d$ by add+ at !   
end ! foll[+ new section3  #ecbj4       
,correction ( errone\s in=mation        
submitt$ to consum] report+ ag5cies  7a7
 ,correct+ errors by ! ,dep>tm5t ,9 any 
case 9 :i* ! ,secret>y f9ds t !         
,dep>tm5t has submitt$ errone\s         
in=mation to a consum] report+ ag5cy    
ab\t ! indebt$ness ( any p]son :o has   
be5 det]m9$ by ! ,secret>y to be indebt$
 to ! ,unit$ ,/ates by virtue ( !       
p>ticipation ( t p]son 9 a b5efits      
program adm9i/]$ by ! ,secret>y1 !      
,secret>y %all--  7#a7 in/ruct ! consum]

 report+ ag5cy to remove su* errone\s   
in=mation f ! consum] report ( su* p]son
 or take su* o!r action z may be requir$
 to ensure t su* errone\s in=mation is n
 includ$ 9 ! report ( su* p]son2 &  7#b7
 transmit to ! consum] report+ ag5cy su*
 in=mation z ! consum] report+ ag5cy may
 require to take su* appropriate        
actions4  7b7 ,correct+ errors by debt  
collectors ,9 any case 9 :i* ! ,secret>y
 f9ds t a debt collector act+ on behalf 
( ! ,dep>tm5t has submitt$ errone\s     
in=mation to a consum] report+ ag5cy    
ab\t ! indebt$ness ( any p]son :o has   
be5 det]m9$ by ! ,secret>y to be indebt$
 to ! ,unit$ ,/ates by virtue ( !       
p>ticipation ( t p]son 9 a b5efits      
program adm9i/]$ by ! ,secret>y1 !      
,secret>y %all in/ruct ! debt collector 
to reque/ ! consum] report+ ag5cy remove
 su* errone\s in=mation f ! consum]     
report ( su* p]son or take su* o!r      
action z may be requir$ to ensure su*   
errone\s in=mation is n includ$ 9 !     
report ( su* p]son4  7c7 ,notice ,n lat]

 ?an #fj days aft] ! date on :i* !      
,secret>y issues an in/ruction "u       
subsection 7a77#a7 or 7b7 ) respect to a
 p]son1 ! ,secret>y %all notify ! p]son 
t ! ,secret>y issu$ su* in/ruction4  7d7
 ,def9itions ,9 ?is section3 7#a7 ,!    
t]ms consum] report & consum] report+   
ag5cy h ! mean+s giv5 su* t]ms 9 section
 #fjc ( ! ,fair ,cr$it ,report+ ,act    
7#ae ,u4,s4,c4 #afha;a74  7#b7 ,! t]m   
debt collector has ! mean+ giv5 su* t]m 
9 section #hjc ( ! ,fair ,debt          
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;a74  4  7#b7 ,cl]ical   
am5dm5t ,! table ( sections at ! beg9n+ 
( *apt] #ec ( su* title is am5d$ by add+
 at ! end ! foll[+ new item3  #ecbj4    
,correction ( errone\s in=mation        
submitt$ to consum] report+ ag5cies4  4 
7e7 ,effective date ,! am5dm5ts made by 
?is section %all take effect on ! date (
 ! enactm5t ( ?is ,act & %all apply )   
respect to d$uctions made "u section    
#ecad ( su* title1 adm9i/rative co/s "u 
section #ecae ( su* title1 & suits fil$ 

"u section #ecaf ( su* title on or aft] 
su* date4  #c4 ,improv$ process+ (      
b5efits by ,dep>tm5t ( ,vet]ans ,affairs
 ,! ,secret>y ( ,vet]ans ,affairs %all  
improve ! in=mation te*nology ( !       
,dep>tm5t ( ,vet]ans ,affairs 7includ+ !
 e,benefits sy/em or successor sy/em7 z 
may be necess>y to a*ieve ! foll[+3     
7#a7 ,notification ( debts incurr$ ,!   
,secret>y %all provide a notification to
 a p]son :o-- 7,a7 is entitl$ to a      
paym5t f ! ,secret>y "u a b5efits       
program adm9i/]$ by ! ,secret>y2  7,b7  
incurs a debt to ! ,unit$ ,/ates "u t   
b5efits program2 &  7,c7 elects to      
receive su* notifications4  7#b7 ,review
 ( in=mation reg>d+ dep5d5ts ,a p]son   
entitl$ to a paym5t f ! ,secret>y "u a  
b5efits program adm9i/]$ by ! ,secret>y 
may review in=mation relat+ to dep5d5ts 
( t p]son4  7#c7 ,track+ metrics ,!     
,secret>y %all be able to track-- 7,a7 !
 numb] & am\nt ( paym5ts made by !      
,secret>y to a p]son entitl$ to a paym5t
 f ! ,secret>y "u a b5efits program     

adm9i/]$ by ! ,secret>y :o incurs a debt
 to ! ,unit$ ,/ates "u su* program2     
7,b7 ! av]age debt to ! ,unit$ ,/ates   
incurr$ by a p]son describ$ 9           
subp>agraph 7,a72  7,c7 h[ frequ5tly !  
,secret>y approves & d5ies applications 
= relief "u section #ecjb7;a7 ( title   
#ch1 ,unit$ ,/ates ,code2 &  7,d7 su*   
o!r metrics ! ,secret>y det]m9es        
appropriate4  #d4 ,audit ( errone\s     
paym5ts by ,vet]ans ,b5efits            
,adm9i/ration2 plan ( correction  7a7   
,audit ,n lat] ?an #ahj days aft] ! date
 ( ! enactm5t ( ?is ,act1 ! ,secret>y ( 
,vet]ans ,affairs %all complete an audit
 to det]m9e ! foll[+3  7#a7 ,! frequ5cy 
by :i* ! ,dep>tm5t ( ,vet]ans ,affairs  
makes an error t results 9 a paym5t to a
 p]son by virtue ( su* p]son's          
p>ticipation 9 a b5efits program        
adm9i/]$ by ! ,secret>y t su* p]son is n
 entitl$ to or 9 an am\nt t exce$s !    
am\nt to :i* ! p]son is entitl$4  7#b7  
,:e!r & to :at degree vacant positions 9
 ! ,vet]ans ,b5efits ,adm9i/ration      

affect su* frequ5cy4  7b7 ,plan ,n lat] 
?an #cj days aft] ! completion ( ! audit
 "u subsection 7a71 ! ,secret>y (       
,vet]ans ,affairs %all submit to !      
,committees on ,vet]ans' ,affairs ( !   
,s5ate & ,h\se ( ,repres5tatives a plan 
& description ( res\rces necess>y to    
align in=mation te*nology sy/ems to     
ensure t errors describ$ 9 subsection   
7a77#a7 are n ! result ( communication  
or abs5ce ( communication betwe5        
in=mation te*nology sy/ems4