,,ii  #aae? ,,congress  #b;d ,session   
,s4 #bcda  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,janu>y #be1 #bjah ,mr4
 ,te/] 7= himself1 ,mr4 ,br[n1 & ,mr4   
,blum5?al7 introduc$ ! foll[+ bill2 :i* 
0 read twice & 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 ,improv+ process+ ( vet]ans b5efits 
by ,dep>tm5t ( ,vet]ans ,affairs  7a7   
,notification ( debts incurr$ ,!        
,secret>y ( ,vet]ans ,affairs %all make 
su* *anges to su* in=mation te*nology   
sy/ems ( ! ,dep>tm5t ( ,vet]ans         
,affairs1 includ+ ! e,benefits sy/em or 

successor sy/em1 z may be necess>y s t a
 p]son :o is entitl$ to a paym5t f !    
,dep>tm5t by virtue ( ! p]son's         
p>ticipation 9 a b5efits program        
adm9i/]$ by ! ,secret>y w receive1 at ! 
reque/ ( ! p]son1 a notice f ! ,dep>tm5t
 7by electronic mail or o!r me*anism7   
:5ev] su* p]son incurs a debt to !      
,unit$ ,/ates by virtue ( su*           
p>ticipation4  7b7 ,updat+ dep5d5t      
in=mation ,! ,secret>y %all make su*    
*anges to su* in=mation te*nology sy/ems
 ( ! ,dep>tm5t1 includ+ ! e,benefits    
sy/em or successor sy/em1 z may be      
necess>y s t :5ev] ! ,secret>y records 9
 su* sy/ems in=mation ab\t a dep5d5t ( a
 p]son1 ! p]son is able to review &     
revise su* in=mation4  7c7 ,track+ (    
metrics ,! ,secret>y %all make su*      
*anges to su* in=mation te*nology sy/ems
 ( ! ,dep>tm5t z may be necess>y to     
track ! foll[+3  7#a7 ,! numb] & am\nt (
 paym5ts made by ! ,dep>tm5t to p]sons z
 "p ( a b5efits program adm9i/]$ by !   
,secret>y :i* result 9 ! p]sons incurr+ 

a debt to ! ,unit$ ,/ates by virtue (   
su* paym5ts4  7#b7 ,! av]age debt to !  
,unit$ ,/ates incurr$ by a p]son by     
virtue ( a paym5t describ$ 9 p>agraph   
7#a74  7#c7 ,! frequ5cy by :i*          
applications = relief "u section        
#ecjb7;a7 ( title #ch1 ,unit$ ,/ates    
,code1 are approv$ & d5i$4  7#d7 ,su*   
o!r metrics z ! ,secret>y consid]s      
appropriate4  #c4 ,re=ms relat+ to      
recov]y by ,dep>tm5t ( ,vet]ans ,affairs
 ( am\nts ow$ by vet]ans to ! ,unit$    
,/ates  7a7 ,indebt$ness (fsets  7#a7   
,limitation on scope ( au?ority         
,subsection 7a7 ( section #ecad ( title 
#ch1 ,unit$ ,/ates ,code1 is am5d$--    
7,a7 by /rik+ to subsections 7b7 & 7d7 (
 ?is section & ins]t+ to p>agraphs 7#b7 
?r\gh 7#f7 ( ?is subsection1 subsections
 7b7 & 7e7 ( ?is section12 &  7,b7 by   
add+ at ! end ! foll[+ new p>agraph3    
7#b7 ,! ,secret>y may only d$uct "u     
p>agraph 7#a7 an am\nt ( ! indebt$ness (
 a vet]an1 ! e/ate ( a vet]an1 or a     
sp\se or *ild ( a vet]an :o is deceas$  

if ! indebt$ness is a result ( "o or m (
 ! foll[+3  7,a7 ,an error made by !    
vet]an1 e/ate1 sp\se1 or *ild1 z ! case 
may be4  7,b7 ,fraud p]petrat$ by !     
vet]an1 e/ate1 sp\se1 or *ild1 z ! case 
may be4  7,c7 ,a misrepres5tation made  
by ! vet]an1 e/ate1 sp\se1 or *ild1 z ! 
case may be4  7#c7 7,a7 ,! ,secret>y may
 n d$uct "u p>agraph 7#a7 f any paym5t  
made "u *apt] #aa or #ae ( ?is title m  
?an ! lessor (--  7i7 #be p]c5t2 or     
7ii7 su* o!r p]c5t z ! ,secret>y        
det]m9es1 pursuant to a reque/ made "u  
subp>agraph 7,b71 is ! greate/ p]c5t t  
w\ld n cause a h>d%ip to ! recipi5t ( ! 
paym5t4  7,b7 ,a p]son ^: future paym5ts
 are to be r$uc$ "u p>agraph 7#a7 may   
reque/1 via ! adm9i/rative process      
prescrib$ "u subsection 7c71 ! ,secret>y
 make a det]m9ation "u subp>agraph      
7,a77ii7 ( ?is p>agraph4  7#d7 ,!       
,secret>y may n d$uct "u p>agraph 7#a7  
any am\nt relat+ to an indebt$ness t 0  
incurr$ by a vet]an m ?an five ye>s     
previ\sly4  7#e7 ,! ,secret>y may n     

d$uct "u p>agraph 7#a7 any am\nt relat+ 
to an indebt$ness :ile ! exi/5ce or     
am\nt ( su* indebt$ness is be+ disput$  
"u subsection 7c74  7#f7 ,! ,secret>y   
may n d$uct "u p>agraph 7#a7 any am\nt  
if ! ,secret>y det]m9es t ! co/ t w\ld  
be incurr$ by ! ,dep>tm5t to recov] su* 
am\nt w\ld exce$ ! am\nt to be recov]$4 
4  7#b7 ,due process  7,a7 ,m9imum p]iod
 = notice & second>y review ,subsection 
7b7 ( su* section is am5d$-- 7i7 by     
am5d+ p>agraph 7#a7 to read z foll[s3   
7#a7 has made reasonable ef=ts to notify
 su* p]son ( su* p]son's "r-- 7,a7 to   
dispute ?r\gh prescrib$ adm9i/rative    
processes ! exi/5ce or am\nt ( su*      
indebt$ness2  7,b7 to reque/ a waiv] (  
su* indebt$ness "u section #ecjb ( ?is  
title2 &  7,c7 to reque/ ! ,secret>y    
make a det]m9ation "u subsection        
7a77#c77;,a77ii74  2  7ii7 9 p>agraph   
7#b71 by /rik+ 2 & & ins]t+ a semicolon2
 &  7iii7 by /rik+ p>agraph 7#c7 &      
ins]t+ ! foll[+ new p>agraphs3  7#c7 has
 notifi$ su* p]son1 n lat] ?an #ij days 

be=e mak+ any ( su* d$uctions--  7,a7   
ab\t ! propos$ d$uctions2 &  7,b7       
detail$ in=mation ab\t ! indebt$ness1   
includ+1 9 ! case ( an ov]paym5t1 an    
itemiz$ li/ ( ea* ov]paym5t & ! specific
 reason = ! ov]paym5t2 &  7#d7 9 any    
case 9 :i* ! ,secret>y det]m9es ! am\nt 
( indebt$ness ( a p]son exce$s #b1ejj1 !
 ,secret>y completes a second>y review  
to ensure t ! det]m9ation is accurate & 
! indebt$ness is subject to (fset "u ?is
 section4  4  7,b7 ,adjudication (      
disputes  7i7 ,9 g5]al ,su* section is  
am5d$-- 7,i7 by r$esignat+ subsections  
7c7 & 7d7 z subsections 7d7 & 7e72 &    
7,,ii7 by ins]t+ aft] subsection 7b7 !  
foll[+ new subsection 7c73  7c7 7#a7 ,! 
,secret>y %all prescribe an adm9i/rative
 process =--  7,a7 ! dispute ( ! exi/5ce
 or am\nt ( an indebt$ness subject to   
subsection 7a72 &  7,b7 mak+ reque/s "u 
p>agraph 7#c77;,b7 ( su* subsection4    
7#b7 ,! ,secret>y %all ensure t ea*     
dispute "u p>agraph 7#a77;,a7 is        
adjudicat$ n lat] ?an #abj days aft] !  

dispute is fil$4  7#c7 ,! ,secret>y may 
n submit to any debt collector 7z def9$ 
9 section #hjc ( ! ,fair ,debt          
,collection ,practices ,act 7#ae        
,u4,s4,c4 #afib;a77 any debt p5d+       
adjudication "u ! process prescrib$ "u  
p>agraph 7#a74  7#d7 ,no?+ 9 ?is        
subsection %all be con/ru$ to prohibit a
 p]son f seek+ relief f a c\rt (        
compet5t jurisdiction4  4  7ii7         
,limitations on int]e/ & fees *>g$ dur+ 
p]iod ( dispute ,section #ecae ( su*    
title is am5d$-- 7,i7 9 subsection      
7b77#a71 9 ! fir/ s5t5ce by /rik+ or    
7,b7 & ins]t+ 7,b7 = any p]iod dur+ :i* 
! exi/5ce or am\nt ( ! indebt$ness is   
be+ disput$ "u section #ecad7;c7 ( ?is  
title1 or 7,c72 &  7,,ii7 9 subsection  
7c7-- 7aa7 by ins]t+ 7#a7 be=e ,!       
adm9i/rative2 &  7bb7 by add+ at ! end !
 foll[+ new p>agraph3  7#b7 ,no         
adm9i/rative co/s may be *>g$ "u ?is    
section ) respect to an indebt$ness     
describ$ 9 subsection 7a7 :ile ! exi/5ce
 or am\nt ( ! indebt$ness is be+ disput$

 "u section #ecad7;c7 ( ?is title4  4   
7#c7 ,effective date ,?is subsection & !
 am5dm5ts made by ?is subsection %all   
take effect on ! date ( ! enactm5t ( ?is
 ,act & %all apply ) respect to         
d$uctions made "u section #ecad ( su*   
title on or aft] su* date4  7b7         
,limitation on au?ority ,to sue ,to     
collect c]ta9 debts  7#a7 ,9 g5]al      
,section #ecaf7;a7 ( title #ch1 ,unit$  
,/ates1 is am5d$-- 7,a7 9 p>agraph 7#a71
 by /rik+ 7#b7 & 7#c7 & ins]t+ 7#b71    
7#c71 & 7#d72  7,b7 by r$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$ness incurr$ m ?an five ye>s     
previ\sly4  4  7#b7 ,effective date ,?is
 subsection & ! am5dm5ts made by ?is    
subsection %all take effect on ! date ( 
! enactm5t ( ?is ,act & %all apply )    
respect to suits fil$ "u section #ecaf (
 su* title on or aft] su* date4  7c7    
,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 ( su*     
p]son's p>ticipation 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 ( su*     
p]son's p>ticipation 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]son40  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  7d7 ,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* errors4  7e7 ,plan ,n lat]   
?an #ahj days aft] ! date ( ! enactm5t (
 ?is ,act1 ! ,secret>y %all submit to ! 
,committee on ,vet]ans' ,affairs ( !    

,s5ate & ! ,committee on ,vet]ans'      
,affairs ( ! ,h\se ( ,repres5tatives a  
plan & description ( res\rce requirem5ts
 necess>y to align in=mation te*nology  
sy/ems to ensure t errors describ$ 9    
subsection 7d77#a7 are n ! result (     
communication or abs5ce ( communication 
betwe5 in=mation te*nology sy/ems4