,,ii  #aah? ,,congress  #b;d ,session   
,s4 #ecja  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #ab1 #bjbd,mr4
 ,oss(f 7= himself & ,mr4 ,rubio7       
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      
prohibit ! consid]ation ( *ildc>e       
exp5ses 9 ! calculation ( debt-to-income
 ratios = ,dep>tm5t ( ,vet]ans ,affairs 
h\s+ loans1 & = o!r purposes4  #a4 ,%ort
 title ,?is ,act may be cit$ z !        
,vet]ans ,home ,loan ,fairness ,act (   
#bjbd4  #b4 ,f9d+s & purpose  7a7 ,f9d+s
 ,congress f9ds ! foll[+3 7#a7 ,vet]ans 
& _! families (t5 face unique f9ancial  
*all5ges1 includ+ ! co/ ( *ildc>e4  7#b7
 ,! consid]ation ( *ildc>e exp5ses 9 !  
calculation ( debt-to-income ratios c   
disproportionately affect ! ability (   
vet]ans to qualify = home loans4  7#c7  
,ensur+ equitable access to home loans  
is critical to support+ vet]ans & _!    
families4  7b7 ,purpose ,! purpose ( ?is

 ,act is to prohibit ! consid]ation (   
*ildc>e exp5ses 9 ! calculation (       
debt-to-income ratios = ,dep>tm5t (     
,vet]ans ,affairs h\s+ loans to promote 
fair access to home own]%ip = vet]ans4  
#c4 ,prohibition on consid]ation (      
*ildc>e exp5ses 9 debt-to-income ratio  
calculations  7a7 ,9 g5]al ,*apt] #cg ( 
title #ch1 ,unit$ ,/ates ,code1 is am5d$
 by ins]t+ aft] section #cgbj ! foll[+  
new section3  #cgbj;,b4 ,prohibition on 
consid]ation ( *ildc>e exp5ses 9        
debt-to-income ratio calculations  7a7  
,9 g5]al ,9 det]m9+ ! eligibility ( a   
vet]an = a h\s+ loan gu>ante$1 insur$1  
or made "u ?is *apt]1 ! ,secret>y %all  
ensure t *ildc>e exp5ses are n consid]$ 
9 ! calculation ( ! vet]an's            
debt-to-income ratio4  7b7 ,def9itions  
,9 ?is section3 7#a7 ,*ildc>e exp5ses ,!
 t]m *ildc>e exp5ses means co/s incurr$ 
= ! c>e ( a *ild or m9or dep5d5t ( !    
vet]an conc]n$4  7#b7 ,debt-to-income   
ratio ,! t]m debt-to-income ratio means 
! ratio ( a vet]an's total mon?ly debt  

paym5ts to su* vet]an's gross mon?ly    
income4  7c7 ,regulations ,! ,secret>y  
%all prescribe su* regulations z are    
necess>y to implem5t ! requirem5ts ( ?is
 section4  4  7b7 ,cl]ical am5dm5t ,!   
table ( sections at ! beg9n+ ( *apt] #cg
 ( su* title is am5d$ by ins]t+ aft] !  
item relat+ to section #cgbj ! foll[+   
new item3  #cgbj;,b4 ,prohibition on    
consid]ation ( *ildc>e exp5ses 9        
debt-to-income calculations4  4  #d4    
,effective date ,?is ,act & ! am5dm5ts  
made by ?is ,act %all take effect #ij   
days aft] ! date ( ! enactm5t ( ?is     
,act4