,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #hecb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #bg1 #bjbf,mr4 
,van ,ord5 7= himself1 ,mr4 ,bo/1 ,mr4  
,b>rett1 ,mrs4 ,kiggans ( ,virg9ia1 &   
,mr4 ,ciscomani7 introduc$ ! foll[+     
bill2 :i* 0 ref]r$ to ! ,committee on   
,vet]ans' ,affairs  ,a ,,bill  ,to am5d 
title #ch1 ,unit$ ,/ates ,code1 to align
 elem5ts ( ! h\s+ loan program ( !      
,dep>tm5t ( ,vet]ans ,affairs )         
requirem5ts ( ! ,f$]al ,h\s+            
,adm9i/ration1 & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,,va ,home ,loan ,af=dability ,act4  #b4
 ,alignm5t ( h\s+ loan program ( !      
,dep>tm5t ( ,vet]ans ,affairs )         
requirem5ts ( ! ,f$]al ,h\s+            
,adm9i/ration  7a7 ,prohibition (       
requirem5t ( ?ird p>ty v]ification (    
l5d] fees ,section #cgjc7;a77#b77;,b7 ( 
title #ch1 ,unit$ ,/ates ,code1 is      
am5d$--  7#a7 by ins]t+ 9 regulations   
aft] ,secret>y may prescribe2 &  7#b7 by
 add+ at ! end ! foll[+3 ,9 prescrib+   

su* regulations reg>d+ fees paid by a   
vet]an borr[] to l5d]1 ! ,secret>y may n
 require docum5tation ( su* fees by a   
?ird p>ty4  7b7 ,ref9anc+ ( h\s+ loans  
7#a7 ,au?ority to waive appraisal       
,section #cgji7;a7 ( title #ch1 ,unit$  
,/ates ,code1 is am5d$--  7,a7 by       
r$esignat+ p>agraphs 7#a7 ?r\gh 7#c7 z  
subp>agraphs 7,a7 ?r\gh 7,c71           
respectively2  7,b7 by ins]t+ 7#a7 be=e 
,except2 &  7,c7 by add+ at ! end !     
foll[+ new p>agraph3  7#b7 ,! ,secret>y 
may au?orize ! ref9anc+ ( a loan        
describ$ 9 p>agraph 7#a7 )\t an         
appraisal4  4  7#b7 ,m9imum int]e/ rate 
= adju/able rate mortgage ,section      
#cgji7;b77#c7 ( title #ch1 ,unit$ ,/ates
 ,code1 is am5d$ by /rik+ #bjj basis    
po9ts & ins]t+ #ge basis po9ts4  7c7    
,expansion ( gu>ante$ loans =           
condom9iums ,section #cgaj7;a77#f7 (    
title #ch1 ,unit$ ,/ates ,code1 is      
am5d$1 9 subsection 7a77#f71 by /rik+ 1 
if su* developm5t or project is approv$ 
by ! ,secret>y "u crit]ia :i* !         

,secret>y %all prescribe 9 regulations4 
7d7 ,maximum clos+ co/s & sell] fees =  
gu>ante$ loans ,section #cgaj7;b7 (     
title #ch1 ,unit$ ,/ates ,code1 is      
am5d$-- 7#a7 9 p>agraph 7#g77;,c77ii71  
by /rik+ 2 & & ins]t+ a semicolon2  7#b7
 9 p>agraph 7#h71 by /rik+ ! p]iod at ! 
end & ins]t+ a semicolon2 &  7#c7 by    
add+ at ! end ! foll[+ new p>agraphs3   
7#i7 ! clos+ co/s actually paid by !    
vet]an d n exce$ #a4e p]c5t ( ! am\nt ( 
! loan2 &  7#aj7 ! sell] fees actually  
paid by ! vet]an d n exce$ six p]c5t ( !
 out/&+ balance ( ! loan4  4  7e7       
,regul> prescription ( debt-to-,income  
ratios  ,section #cgaj7;g77#c77;,a71 (  
title #ch1 ,unit$ ,/ates ,code1 is am5d$
 by ins]t+ 1 review$ & prescrib$ n less 
?an once e two ye>s1 aft] debt-to-income
 ratios4  7f7 ,m9imum exp]i5ce ( an     
apprais] requir$ ,section #cgca7;a77#a7 
( title #ch1 ,unit$ ,/ates ,code1 is    
am5d$ by /rik+ c]tification ( an        
appropriate numb] ( ye>s & ins]t+ a     
c]tificate or lic5se issu$ by a ,/ate4  

7g7 ,review ( appraisal m9imum prop]ty  
requirem5ts ,n lat] ?an #ij days aft] ! 
date ( ! enactm5t ( ?is ,act1 !         
,secret>y ( ,vet]ans ,affairs %all--    
7#a7 review regulations prescrib$ "u    
section #cgaj7;b77#d7 ( title #ch1      
,unit$ ,/ates ,code1 reg>d+ !           
suitability ( prop]ty2 &  7#b7 prescribe
 new su* regulations t ! ,secret>y      
det]m9es appropriate4  7h7  ,plan ,to   
mod]nize ,,x = h\s+ loans  ,n lat] ?an  
#ahj days aft] ! date ( ! enactm5t ( ?is
 ,act1 ! ,secret>y ( ,vet]ans ,affairs  
%all submit to ! ,committees on ,vet]ans
 ,affairs ( ! ,s5ate & ,h\se (          
,repres5tatives ! plan ( ! ,secret>y to 
mod]nize ! in=mation te*nology us$ to   
adm9i/] h\s+ loans "u *apt] #cg ( title 
#ch1 ,unit$ ,/ates ,code4