,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fiij  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,may #bb1 #bjbj,mr4   
,pallone 7= himself & ,mr4 ,rose ( ,new 
,york7 introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,vet]ans'     
,affairs  ,a ,,bill  ,to direct !       
,secret>y ( ,vet]ans ,affairs to conduct
 a /udy on ! effect ( f9ancial & cr$it  
c\nsel+ = h\s+ un/able vet]ans4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,homeless ,vet]ans ,cr$it ,repair1      
,enhancem5t1 & ,debt ,improvem5t =      
,tomorr[ ,act or ! ,homeless ,vet]ans   
,,cr$it ,act4  #b4 ,/udy on f9ancial &  
cr$it c\nsel+  7a7 ,/udy requir$ ,!     
,secret>y ( ,vet]ans ,affairs %all      
conduct a compreh5sive /udy on-- 7#a7 ! 
use ( & v>iation ( f9ancial & cr$it     
c\nsel+ s]vices available = h\s+ un/able
 vet]ans2  7#b7 b>ri]s to access+       
f9ancial & cr$it c\nsel+ = h\s+ un/able 
vet]ans2 &  7#c7 ! ability to evaluate &
 assess ! pot5tial effects ( f9ancial & 
cr$it c\nsel+ = h\s+ un/able vet]ans )  

respect to h\s+1 employm5t1 income1 &   
o!r outcomes ! ,secret>y det]m9es       
appropriate4  7b7 ,me?odology ,9        
conduct+ ! /udy "u subsection 7a71 !    
,secret>y %all-- 7#a7 survey-- 7,a7 h\s+
 un/able vet]ans :o are enroll$ 9 !     
,supportive ,s]vices = ,vet]ans         
,families program2  7,b7 h\s+ un/able   
vet]ans :o d n seek or receive ! c>e or 
s]vices "u su* program or a simil>      
program2  7,c7 grantees ( ! ,supportive 
,s]vices = ,vet]ans ,families program2  
7,d7 f9ancial & cr$it c\nselors2 &  7,e7
 p]sons :o are subject matt] exp]ts     
reg>d+ ! use ( f9ancial & cr$it c\nsel+ 
s]vices t ! ,secret>y det]m9es          
appropriate2 &  7#b7 adm9i/] ! survey to
 a repres5tative sample ( h\s+ un/able  
vet]ans & vet]ans 9 areas ) high vet]an 
homelessness4  7c7 ,use & v>iation (    
s]vices ,9 conduct+ ! /udy "u subsection
 7a77#a71 ! ,secret>y %all-- 7#a7 use   
data f ! ,supportive ,s]vices = ,vet]ans
 ,families program & o!r data collect$  
by ! ,dep>tm5t ( ,vet]ans ,affairs1 data

 collect$ by o!r dep>tm5ts or ag5cies ( 
! ,f$]al ,gov]nm5t1 & data collect$ by  
nongov]nm5tal entities to comp>e ! use (
 & v>iation ( f9ancial & cr$it c\nsel+  
s]vices available = h\s+ un/able vet]ans
 & su* use & v>iation = o!r individuals2
 &  7#b7 assess su* s]vices made        
available ?r\gh ! ,supportive ,s]vices =
 ,vet]ans ,families program1 includ+ )  
respect to ! types1 modes ( deliv]y1    
duration1 consi/5cy1 & quality1 ( su*   
s]vices4  7d7 ,b>ri]s to c\nsel+ ,9     
conduct+ ! /udy "u subsection 7a77#b71 !
 ,secret>y %all conduct rese>* on !     
effects ( ! foll[+ p]ceiv$ b>ri]s to    
f9ancial & cr$it c\nsel+ = h\s+ un/able 
vet]ans survey$ 9 ! /udy3 7#a7 ,! co/ ( 
f9ancial & cr$it c\nsel+ s]vices4  7#b7 
,! p]ceiv$ /igma associat$ ) seek+      
f9ancial & cr$it c\nsel+ assi/ance4     
7#c7 ,! effect ( driv+ di/ance or       
availability ( o!r =ms ( transportation 
to ! ne>e/ facility t receiv$ a grant "u
 ! ,supportive ,s]vices = ,vet]ans      
,families program4  7#d7 ,! availability

 ( *ild c>e4  7#e7 ,! compreh5sion (    
eligibility requirem5ts =1 & ! scope (  
s]vices available "u1 ! ,supportive     
,s]vices = ,vet]ans ,families program4  
7#f7 ,! effectiv5ess ( outrea* = !      
s]vices available to h\s+ un/able       
vet]ans "u ! ,supportive ,s]vices =     
,vet]ans ,families program4  7#g7 ,!    
location & op]at+ h\rs ( facilities t   
provide s]vices to h\s+ un/able vet]ans 
"u ! ,supportive ,s]vices = ,vet]ans    
,families program4  7#h7 ,! ,,covid-#ai 
p&emic & o!r heal? relat$ issues4  7#i7 
,su* o!r significant b>ri]s z !         
,secret>y consid]s appropriate4  7e7    
,evaluation & assessm5t ( effects (     
c\nsel+  7#a7 ,effects ,9 conduct+ !    
/udy "u subsection 7a77#c71 ! ,secret>y 
%all conduct rese>* on ! ability to     
evaluate & assess ! pot5tial effects (  
f9ancial & cr$it c\nsel+ s]vices on h\s+
 un/able vet]ans ) respect to ! foll[+3 
7,a7 ,! effects ( su* s]vices on        
employm5t by comp>+ ! vet]ans :o receiv$
 su* s]vices & ! vet]ans :o did n       

receive su* s]vices4  7,b7 ,! effects ( 
su* s]vices on h\s+ /atus by comp>+ !   
vet]ans :o receiv$ su* s]vices & !      
vet]ans :o did n receive su* s]vices4   
7,c7 ,! effects ( su* s]vices on income 
by comp>+ ! vet]ans :o receiv$ su*      
s]vices & ! vet]ans :o did n receive su*
 s]vices4  7,d7 ,! effects ( su* s]vices
 on cr$it score by comp>+ ! vet]ans :o  
receiv$ su* s]vices & ! vet]ans :o did n
 receive su* s]vices4  7,e7 ,! effects (
 su* s]vices on o!r outcomes ! ,secret>y
 det]m9es appropriate4  7#b7 ,data &    
recomm5dations ,9 c>ry+ out p>agraph    
7#a71 ! ,secret>y %all-- 7,a7 det]m9e ! 
relevant data t is available to !       
,secret>y & det]m9e ! confid5ce ( !     
,secret>y ) respect to access+ any      
additional data ! ,secret>y may require2
 &  7,b7 provide recomm5dations reg>d+ !
 optimal rese>* or evaluation design t  
w\ld g5]ate ! greate/ insights & value4 
7f7 ,dis*>ge by contract ,! ,secret>y   
may seek to ent] into a contract ) a    
qualifi$ indep5d5t entity or            

organization to c>ry out ! /udy & rese>*
 requir$ "u ?is section1 includ+ su* an 
entity or organization t is able to     
access cr$it scores1 data ma9ta9$ by !  
,int]nal ,rev5ue ,s]vice1 & o!r date    
b5eficial to /udy+ income4  7g7 ,m&atory
 review ( data by c]ta9 elem5ts (       
,dep>tm5t  7#a7 ,9 g5]al ,! ,secret>y   
%all ensure t ! head ( ea* elem5t ( !   
,dep>tm5t ( ,vet]ans ,affairs specifi$ 9
 p>agraph 7#b7 reviews ! results ( !    
/udy conduct$ "u subsection 7a74 ,! head
 ( ea* su* elem5t %all submit to !      
,deputy ,"u ,secret>y = ,heal? =        
,op]ations & ,managem5t ! f9d+s ( ! head
 ) respect to ! /udy1 includ+           
recomm5dations reg>d+ :at data !        
,secret>y %\ld collect f grantees "u !  
,supportive ,s]vices = ,vet]ans         
,families program4  7#b7 ,specifi$      
elem5ts ,! elem5ts ( ! ,dep>tm5t (      
,vet]ans ,affairs specifi$ 9 ?is        
p>agraph are ! foll[+3 7,a7 ,! ,advisory
 ,committee on ,homeless ,vet]ans       
e/abli%$ "u section #bjff ( title #ch1  

,unit$ ,/ates ,code4  7,b7 ,! ,advisory 
,committee on ,wom5 ,vet]ans e/abli%$ "u
 section #edb ( title #ch1 ,unit$ ,/ates
 ,code4  7,c7 ,! ,advisory ,committee on
 ,m9ority ,vet]ans e/abli%$ "u section  
#edd ( title #ch1 ,unit$ ,/ates ,code4  
7,d7 ,! ,homeless ,programs ,(fice ( !  
,vet]ans ,heal? ,adm9i/ration4  7,e7 ,! 
,(fice ( ,tribal ,gov]nm5t ,relations ( 
! ,dep>tm5t4  7h7 ,reports  7#a7 ,int]im
 report ,n lat] ?an "o ye> aft] ! date (
 ! enactm5t ( ?is ,act1 ! ,secret>y %all
 submit to ,congress an int]im report on
 ! /udy "u subsection 7a74  7#b7 ,f9al  
report ,n lat] ?an #cj mon?s aft] ! date
 ( ! enactm5t ( ?is ,act1 ! ,secret>y   
%all submit to ,congress a report on !  
/udy "u subsection 7a74 ,! report %all  
include-- 7,a7 ! f9d+s ( ! head ( ea*   
elem5t ( ! ,dep>tm5t specifi$ "u        
subsection 7g77#b72 &  7,b7             
recomm5dations = su* adm9i/rative &     
legislative action z ! ,secret>y        
consid]s appropriate4  7i7 ,def9ition ,9
 ?is section3 7#a7 ,! t]m h\s+ un/able  

vet]an means a vet]an t is )\t a p]man5t
 place to live t is fit = human         
habitation4  7#b7 ,! t]m ,supportive    
,s]vices = ,vet]ans ,families program   
means ! program e/abli%$ pursuant to    
section #bjdd ( title #ch1 ,unit$ ,/ates
 ,code4