,i #aag? ,,congress #a/ ,session ,h4 ,r4 #dfeg ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,july #bb1 #bjba ,mr4 ,lev9 ( ,cali=nia introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,vet]ans' ,affairs ,a ,,bill ,to am5d title #ch1 ,unit$ ,/ates ,code1 to improve ! accuracy ( mortgage und]writ+ = home loans gu>ante$ by ! ,dep>tm5t ( ,vet]ans ,affairs by ensur+ t en]gy co/s are includ$ 9 ! und]writ+ process1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,vet]an ,home ,en]gy ,sav+s ,act4 #b4 ,enhanc$ loan eligibility requirem5ts 7a7 ,9 g5]al ,section #cgaj ( title #ch1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 9 subsection 7g77#c77;,c71 by ins]t+ 1 includ+ ) respect to ! en]gy effici5cy ( ! home = :i* ! loan is to be gu>ante$ z describ$ 9 subsection 7i7 be=e ! p]iod2 & 7#b7 by add+ at ! end ! foll[+ new subsection3 7i7 7#a7 7,a7 ,foll[+ ! date on :i* ! ,secret>y issues ! guidance "u p>agraph 7#c71 9 cases :]e a vet]an provides to ! ,secret>y an en]gy effici5cy report describ$ 9 subp>agraph 7,c7 = a home = :i* a loan is to be gu>ante$1 ! proc$ures e/abli%$ pursuant to subsection 7g77#c77;,c7 = asc]ta9+ ! mon?ly income requir$ by a vet]an to meet anticipat$ loan paym5t t]ms %all take into consid]ation ! e/imat$ en]gy co/ sav+s expect$ = ! vet]an = ! home1 includ+ su* co/ sav+s relat+ to ! co/ ( electricity1 natural gas1 oil1 & any o!r fuel regul>ly us$ to supply en]gy to ! home4 7,b7 ,an en]gy effici5cy report describ$ 9 ?is subp>agraph1 ) respect to a home = :i* a loan is to be gu>ante$1 means a report t-- 7i7 e/imates ! expect$ en]gy co/ sav+s specific to ! home1 bas$ on specific in=mation ab\t ! home2 7ii7 is prep>$ 9 accordance ) regulations prescrib$ by ! ,secret>y = purposes ( ?is subsection2 & 7iii7 is prep>$ 9 accordance )-- 7,i7 ! ,resid5tial ,en]gy ,s]vice ,network's ,home ,en]gy ,rat+ ,sy/em 7commonly kn[n z ,,h]s7 by an individual c]tifi$ by su* ,network2 or 7,,ii7 o!r me?ods det]m9$ appropriate by ! ,secret>y1 9 consultation ) ! advisory committee "u p>agraph 7#b71 includ+ ) respect to ?ird-p>ty quality assurance proc$ures4 7#b7 7,a7 ,to assi/ ! ,secret>y 9 c>ry+ out ?is subsection1 ! ,secret>y %all e/abli% an advisory gr\p consi/+ ( individuals repres5t+ ! int]e/s (-- 7i7 mortgage l5d]s2 7ii7 apprais]s2 7iii7 en]gy rat]s & resid5tial en]gy consumption exp]ts2 7iv7 en]gy effici5cy organizations2 7v7 real e/ate ag5ts2 7vi7 home build]s & remodel]s2 7vii7 consum] advocates2 7viii7 vet]ans' s]vice organizations2 & 7ix7 o!r p]sons det]m9$ appropriate by ! ,secret>y4 7,b7 ,! advisory gr\p e/abli%$ "u subp>agraph 7,a7 %all n be subject to ! ,f$]al ,advisory ,committee ,act 7#e ,u4,s4,c4 ,app474 7#c7 ,! ,secret>y1 9 consultation ) ! advisory gr\p e/abli%$ "u p>agraph 7#b77;,a71 %all ensure t ! proc$ures describ$ 9 subsection 7g77#c77;,c7 include guidance = l5d]s to c>ry out p>agraph 7#a7 t uses cle> in/ructions & /&>ds4 7#d7 ,! ,secret>y %all ensure t m>ket+ mat]ials t ! ,secret>y provides to vet]ans ) respect to loans gu>ante$ "u ?is *apt] include in=mation reg>d+ ! use ( en]gy effici5cy reports "u ?is subsection4 7#e7 ,n lat] ?an "o ye> aft] ! date on :i* ! ,secret>y issues ! guidance "u p>agraph 7#c71 & e ye> !reaft]1 ! ,secret>y %all submit to ,congress & make publicly available a report t-- 7,a7 enum]ates ! numb] ( loans gu>ante$ = :i* a vet]an provid$ to ! ,secret>y an en]gy effici5cy report1 includ+ ! numb] ( su* loans = :i* co/ sav+s 7 tak5 into acc\nt pursuant to p>agraph 7#a72 & 7,b7 ( ! numb] ( loans enum]at$ "u subp>agraph 7,a71 an enum]ation ( ! default rates & rates ( =eclosure1 includ+ h[ su* enum]ation comp>es ) ! default rates & rates ( =eclosure = gu>ante$ loans = :i* no en]gy effici5cy report is provid$4 4 7b7 ,cl>ification ( requirem5ts reg>d+ en]gy effici5cy /&>ds ,section #cgjd7;f7 ( su* title is am5d$ by /rik+ su* /&>ds & ins]t+ ! foll[+3 ! /&>ds e/abli%$ "u su* section #aji1 z 9 effect on ! date ( su* con/ruction4