#aag? ,,congress  #a/ ,session  ,h4 ,r4 
#abeg  ,,an ,,act  ,to direct !         
,secret>y ( ,vet]ans ,affairs to conduct
 a /udy on ! effect ( f9ancial & cr$it  
c\nsel+ = homeless vet]ans & vet]ans    
exp]i5c+ h\s+ in/ability1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ 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$it c\nsel+ s]vices        
available = homeless vet]ans & vet]ans  
exp]i5c+ h\s+ in/ability2  7#b7 b>ri]s  
to access+ f9ancial & cr$it c\nsel+ =   
su* vet]ans2 &  7#c7 ! ability to       
evaluate & assess ! pot5tial effects (  
f9ancial & cr$it c\nsel+ = su* 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    
homeless vet]ans & vet]ans exp]i5c+ h\s+
 in/ability :o are enroll$ 9 !          
,supportive ,s]vices = ,vet]ans         
,families program2  7,b7 su* 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 ( homeless      
vet]ans & vet]ans exp]i5c+ h\s+         
in/ability 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$it c\nsel+  
s]vices available = homeless vet]ans &  
vet]ans exp]i5c+ h\s+ in/ability & su*  
use & v>iation = o!r individuals2 &     
7#b7 assess su* s]vices made available  
?r\gh ! ,supportive ,s]vices = ,vet]ans 
,families program1 includ+ ) respect to 
! types1 modes ( deliv]y1 duration1     
consi/5cy1 & quality1 ( su* s]vices4    
7d7 ,b>ri]s to c\nsel+ ,9 conduct+ !    
/udy "u subsection 7a77#b71 ! ,secret>y 
%all conduct rese>* on ! effects ( !    
foll[+ p]ceiv$ b>ri]s to f9ancial &     
cr$it c\nsel+ = homeless vet]ans &      
vet]ans exp]i5c+ h\s+ in/ability survey$
 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 su* vet]ans "u !           
,supportive ,s]vices = ,vet]ans         
,families program4  7#g7 ,! location &  
op]at+ h\rs ( facilities t provide      
s]vices to su* 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 homeless      
vet]ans & vet]ans exp]i5c+ h\s+         
in/ability ) 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 homeless     
vet]ans & vet]ans exp]i5c+ h\s+         
in/ability means vet]ans :o are homeless
 7z t t]m is def9$ 9 subsection 7a7 or  
7b7 ( section #ajc ( ! ,mc,kinney-,v5to 
,homeless ,assi/ance ,act 7#db ,u4,s4,c4
 #aacjb774  7#b7 ,! t]m ,supportive     
,s]vices = ,vet]ans ,families program   
means ! program e/abli%$ pursuant to    
section #bjdd ( title #ch1 ,unit$ ,/ates
 ,code4  #c4 ,te*nical corrections  7a7 
,title #ch1 ,unit$ ,/ates ,code ,title  
#ch1 ,unit$ ,/ates ,code1 is am5d$ z    
foll[s3 7#a7 ,9 section #aghf7;d71 z    
add$ by section #cjjf ( ! ,johnny       
,isakson & ,david ,p4 ,roe1 ,m4,d4      
,vet]ans ,heal? ,c>e & ,b5efits         
,improvem5t ,act ( #bjbj 7,public ,law  
#aaf-cae71 by /rik+ p>agraph 7#c74  7#b7
 ,9 section #cfgc7;f71 z add$ by section
 #ajbc ( su* ,act1 by /rik+ p>agraph    
7#c74  7b7 ,johnny ,isakson & ,david ,p4
 ,roe1 ,m4,d4 ,vet]ans ,heal? ,c>e &    

,b5efits ,improvem5t ,act ( #bjbj ,!    
,johnny ,isakson & ,david ,p4 ,roe1     
,m4,d4 ,vet]ans ,heal? ,c>e & ,b5efits  
,improvem5t ,act ( #bjbj 7,public ,law  
#aaf-cae7 is am5d$ z foll[s3  7#a7 ,9   
section #cjaj-- 7,a7 9 subsection 7a71  
by /rik+ ,! ,secret>y & ins]t+ ,subject 
to ! availability ( appropriations = su*
 purpose1 ! ,secret>y2 &  7,b7 by /rik+ 
subsection 7h74  7#b7 ,9 section        
#dbja7;a71 by add+ at ! end ! foll[+ new
 p>agraph3  7#c7 ,use ( au?ority ,!     
,secret>y %all ensure t p>agraph 7#a7 is
 c>ri$ out 9 accordance ) e/abli%$      
proc$ures = reprogramm+s or transf]s1   
includ+ ) respect to pres5t+ a reque/ = 
a reprogramm+ ( funds4  4  ,pass$ !     
,h\se ( ,repres5tatives ,june #ae1      
#bjba4;,cl]k4