,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #hjef  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #bd1 #bjbf,ms4   
,mc,donald ,rivet 7= h]self & ,mr4      
,h>rigan7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,arm$        
,s]vices  ,a ,,bill  ,to exp& cr$5tial$1
 p]sonaliz$ f9ancial & h\s+ c\nsel+ to  
memb]s ( ! ,arm$ ,=ces s]v+ on active   
duty or transition+ f s]vice1 & = o!r   
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,milit>y ,f9ancial ,lit]acy
 ,act ( #bjbf4  #b4 ,expansion (        
p]sonaliz$ f9ancial & h\s+ c\nsel+ =    
memb]s ( ! ,arm$ ,=ces  7a7 ,9 g5]al    
,section #iib ( title #aj1 ,unit$ ,/ates
 ,code1 is am5d$-- 7#a7 9 subsection    
7a77#a7--  7,a7 by r$esignat+           
subp>agraphs 7,d7 & 7,e7 z subp>agraphs 
7,e7 & 7,f71 respectively2 &  7,b7 by   
ins]t+ aft] subp>agraph 7,c7 ! foll[+   
new subp>agraph3  7,d7 practices relat+ 
to f9ancial managem5t1 home buy+ &      
sell+1 r5t+ dur+ *ang+ p]man5t /ation1  
r5tal plann+1 home loans available ?r\gh

 ! programs ( ! ,dep>tm5t ( ,vet]ans    
,affairs1 & o!r f9ancial s]vices t are  
r\t9ely (f]$ to private sector home     
loans2  2  7#b7 by r$esignat+ subsection
 7d7 ?r\gh 7f7 z subsections 7e7 ?r\gh  
7g71 respectively2 &  7#c7 by ins]t+    
aft] subsection 7c7 ! foll[+ new        
subsection3  7d7 ,individualiz$ f9ancial
 & h\s+ c\nsel+  7#a7 ,n lat] ?an "o ye>
 aft] ! date ( ! enactm5t ( ?is         
subsection1 ! ,secret>y ( ,def5se %all  
e/abli% a program 9 accordance ) ?is    
section & ,dep>tm5t ( ,def5se           
,in/ruction #acbb4cd1 or any successor  
guidance1 to provide "o-on-"o c\nsel+   
tailor$ to ! ne$s ( ea* memb] ( ! arm$  
=ces on ! foll[+ topics3  7,a7 ,cr$it   
managem5t4  7,b7 ,budget+4  7,c7        
,anti-pr$atory l5d+ practices4  7,d7    
,*anges ( p]man5t /ation & r5tal plann+4
  7,e7 ,home loans available ?r\gh !    
programs ( ! ,dep>tm5t ( ,vet]ans       
,affairs4  7,f7 ,protections "u !       
,s]vicememb]s ,civil ,relief ,act 7#ej  
,u4,s4,c4 #cija et seq47 & section #ihg 

( ?is title4  7#b7 ,= ! purposes ( c>ry+
 out p>agraph 7#a71 ! ,secret>y %all    
seek to ent] an agreem5t ) a c\nsel+    
s]vice organization t-- 7,a7 is a       
,,hud-approv$ c\nsel+ ag5cy 7z def9$ 9  
section #ajf7;h7 ( ! ,h\se & ,urban     
,developm5t ,act ( #aifh 7#ab ,u4,s4,c4 
#agjax7h7772  7,b7 is organiz$ z a      
tax-exempt entity "u section            
#eja7;c77#ai7 ( ! ,int]nal ,rev5ue ,code
 ( #aihf1 def9$ by ! ,int]nal ,rev5ue   
,s]vice z a ,vet]an ,s]vice             
,organization s]v+ ! milit>y-connect$   
community2  7,c7 has exp]tise 9 f9ancial
 lit]acy1 h\s+ /ability1 & home loan    
b5efits = vet]ans2 &  7,d7 is capable ( 
develop+1 adm9i/]+1 ma9ta9+1 & provid+  
specializ$ tra9+ & c]tification =       
,,hud-,c]tifi$ ,h\s+ ,c\nselors s]v+    
memb]s ( ! arm$ =ces1 vet]ans1 & _!     
families4  4  7b7 ,regulations ,!       
,secret>y ( ,def5se may prescribe su*   
regulations z are necess>y to c>ry out !
 am5dm5ts made by subsection 7a74  7c7  
,report ,n lat] ?an #b ye>s aft] ! date 

on :i* ! s]vices requir$ "u subsection  
7d7 ( section section #iib ( title #aj1 
,unit$ ,/ates ,code1 z add$ by          
subsection 7a71 are e/abli%$1 !         
,secret>y ( ,def5se %all submit to !    
,committees on ,arm$ ,s]vices ( ! ,s5ate
 & ! ,h\se ( ,repres5tatives a report on
 ! implem5tation ( su* s]vices1         
includ+--  7#a7 ! numb] ( memb]s ( !    
,arm$ ,=ces :o receiv$ c\nsel+ = h\s+   
/ability1 home loan b5efits = vet]ans1  
or r5tal plann+2  7#b7 ! rate (         
completion ( ! c\nsel+ s]vices (f]$ "u !
 pilot program2 &  7#c7 indicators (    
f9ancial /ress & h\s+ in/ability =      
memb]s ( ! ,arm$ ,=ces p>ticipat+ 9 !   
pilot program & any metrics = mitigat+  
risks to ! memb]s p>ticipat+4