,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #idjd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,june #bc1 #bjbf,ms4  
,escob> 7= h]self & ,mr4 ,b]gman7       
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,vet]ans' ,affairs  ,a 
,,bill  ,to am5d *apt] #cg ( title #ch1 
,unit$ ,/ates ,code1 to direct !        
,secret>y ( ,vet]ans ,affairs to provide
 support s]vices to vet]ans 9 navigat+  
h\s+ loan b5efits adm9i/]$ by !         
,secret>y ( ,vet]ans ,affairs1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,,va ,home ,loan ,navigator
 ,act4  #b4 ,borr[] support s]vices =   
h\s+ loans adm9i/]$ by ! ,secret>y (    
,vet]ans ,affairs  7a7 ,9 g5]al ,*apt]  
#cg ( title #ch1 ,unit$ ,/ates ,code1 is
 am5d$ by ins]t+ aft] section #cgcg !   
foll[+ new section3  #cgch4 ,borr[]     
support s]vices = h\s+ loans  7a7       
,e/abli%m5t ,! ,secret>y %all e/abli% a 
program "u :i* ! ,secret>y %all provide 
s]vices describ$ 9 subsection 7b7 to    
vet]an borr[]s & o!r eligible borr[]s to

 assi/ su* borr[]s 9 navigat+ ! h\s+    
loan b5efits "u ?is *apt]4  7b7         
,au?oriz$ s]vices ,! s]vices describ$ 9 
?is subsection include--  7#a7 education
 reg>d+ ! h\s+ loan b5efits "u ?is      
*apt]2  7#b7 assi/ance obta9+ or resolv+
 issues relat+ to a c]tificate (        
eligibility = su* b5efits2  7#c7 c\nsel+
 reg>d+ ! orig9ation1 ref9anc+1 & clos+ 
processes = h\s+ loans2  7#d7 guidance  
reg>d+ appraisal requirem5ts1 prop]ty   
/&>ds1 & loan docum5tation2  7#e7       
assi/ance navigat+ loan s]vic+ matt]s2  
7#f7 c\nsel+ relat+ to loss mitigation  
options & =eclosure prev5tion2  7#g7    
coord9ation betwe5 borr[]s1 mortgage    
s]vic]s1 & ! ,dep>tm5t ( ,vet]ans       
,affairs2 &  7#h7 education reg>d+ co/s1
 fees1 & f9ancial obligations associat$ 
) h\s+1 includ+ commissions ( brok]s4   
7c7 ,volunt>y2 no co/ ,receipt ( s]vices
 describ$ 9 subsection 7b7 %all be      
provid$ only to borr[]s :o *oose to     
receive !m & %all be provid$ at no co/  
to ! borr[]4  7d7 ,use ( entities       

designat$ by ! ,secret>y  7#a7 ,!       
,secret>y may provide ! s]vices describ$
 9 subsection 7b7 ?r\gh entities        
designat$ by ! ,secret>y "u subsection  
7e7 & may ent] into contracts or o!r    
agreem5ts ) su* organizations to provide
 su* s]vices4  7#b7 ,9 provid+ su*      
s]vices1 an entity s designat$-- 7,a7   
%all act solely z an indep5d5t1 neutral 
int]m$i>y2 &  7#c7 may n act z an ag5t  
(1 or on behalf (1 any mortgage l5d]1   
s]vic]1 or real e/ate pr(essional4  7e7 
,designation ( entities  7#a7 ,!        
,secret>y may designate an entity "u ?is
 subsection only if ! entity--  7,a7 is 
approv$ by ! ,secret>y ( ,h\s+ & ,urban 
,developm5t z a h\s+ c\nsel+ ag5cy2     
7,b7 is a nonpr(it organization ) a     
prim>y mission ( s]v+ vet]ans1 memb]s ( 
! ,unit$ ,/ates ,arm$ ,=ces1 or milit>y 
families2  7,c7 demon/rates exp]tise 9  
,dep>tm5t ( ,vet]an ,affairs home loan  
b5efits2  7,d7 demon/rates exp]tise 9   
h\s+ c\nsel+1 f9ancial lit]acy1         
=eclosure prev5tion1 r5tal guidance1 &  

h\s+ issues affect+ ! milit>y & vet]an  
community2  7,e7 demon/rates ! capacity 
to provide s]vices on a multi-,/ate or  
national basis2  7,f7 demon/rates !     
capacity to develop1 adm9i/]1 & ov]see  
tra9+1 c]tification1 & p]=mance /&>ds = 
! individual c\nselors provid+ s]vices  
"u ?is section4  7#b7 ,9 select+        
entities = designation "u ?is           
subsection1 ! ,secret>y %all prioritize 
entities ) demon/rat$ exp]i5ce deliv]+  
h\s+ c\nsel+ & f9ancial lit]acy s]vices 
to ! milit>y-connect$ community4  7f7   
,c]tification ( individual c\nselors    
7#a7 ,! ,secret>y %all1 9 consultation )
 ! ,secret>y ( ,h\s+ & ,urban           
,developm5t1 c]tify individuals z       
c\nselors au?oriz$ to provide s]vices "u
 ?is section4 ,9 do+ s1 ! ,secret>y     
%all--  7,a7 specify ! requirem5ts t !  
individual mu/ meet = initial           
c]tification & rec]tification1 includ+  
requirem5ts relat+ to cont9u+ education 
& ongo+ tra9+2 &  7,b7 require su* an   
individual to be rec]tifi$ n less       

frequ5tly ?an e ?ree ye>s4  7#b7 ,!     
,secret>y may ent] into contracts or o!r
 agreem5ts ) nonpr(it organizations to  
c>ry out ! activities "u ?is subsection4
  7g7 ,indep5d5ce ( s]vices  7#a7 ,an   
entity provid+ s]vices "u ?is section-- 
7,a7 %all ensure t su* s]vices are      
op]ationally & f9ancially indep5d5t f   
mortgage orig9ation1 s]vic+1 & real     
e/ate brok]age activities2 &  7,b7 %all 
n ref] or direct any borr[] receiv+ su* 
s]vices to any entity affiliat$ ) or    
relat$ to ! entity provid+ su* s]vices4 
7#b7 ,p>agraph 7#a7 does n prohibit an  
entity t provides s]vices "u ?is section
 f ma9ta9+ sep>ate l9es ( bus9ess1      
includ+ affiliat$ entities engag$ 9     
mortgage or real e/ate activities1 z    
long z ! entity has implem5t$ firewalls 
or o!r controls z ! ,secret>y consid]s  
appropriate & all o!r requirem5ts ( ?is 
section are met4  7h7 ,conflict-(-int]e/
 protections  7#a7 ,an entity designat$ 
"u subsection 7e71 & any employee1      
(fic]1 or contractor ( su* an entity1   

%all n--  7,a7 receive any comp5sation1 
ref]ral fee1 or o!r remun]ation1        
directly or indirectly1 f-- 7i7 a       
mortgage l5d] or mortgage s]vic]2  7ii7 
a real e/ate brok] or ag5t2 or  7iii7   
any entity provid+ loan modification1   
ref9anc+1 or =eclosure-relat$ s]vices2  
7,b7 ref] a borr[] to any specific      
comm]cial provid] 9 ex*ange = any?+ (   
value2 or  7,c7 engage 9 any activity t 
compromises ! indep5d5ce ( ! s]vices    
provid$ "u ?is section4  7#b7 ,ea*      
entity designat$ "u subsection 7e7 %all 
provide cle> & timely disclosure to     
borr[]s & to ! ,secret>y ( any actual or
 pot5tial conflicts ( int]e/1 includ+   
any affiliat$ bus9ess relation%ips4     
7#c7 ,! ,secret>y %all e/abli% proc$ures
 to ensure s]vices "u ?is section are   
provid$ 9 a mann] t pres]ves borr[]     
*oice1 ensures full transp>5cy1 &       
complies ) applicable ,f$]al consum]    
protection laws4  7i7 ,coord9ation )    
,h\s+ & ,urban ,developm5t ,to ! maximum
 ext5t practicable1 ! ,secret>y %all    

c>ry out ! activities "u ?is section 9  
consultation ) ! ,secret>y ( ,h\s+ &    
,urban ,developm5t & 9 a mann] t makes  
effective use ( ! h\s+ c\nsel+          
activities ( ! ,dep>tm5t ( ,h\s+ &      
,urban ,developm5t1 includ+ !           
c]tification1 tra9+1 & report+          
activities ( ! ,dep>tm5t ( ,h\s+ &      
,urban ,developm5t1 subject to any      
*anges t ! ,secret>y consid]s           
appropriate to acc\nt = ! au?orities1   
missions1 & op]ations ( ! ,dep>tm5t (   
,vet]ans ,affairs4  7j7 ,en=cem5t ,!    
,secret>y may--  7#a7 susp5d or revoke !
 designation ( any entity1 or !         
c]tification ( any individual1 "u ?is   
section2 &  7#b7 ref] cases ( fraud1    
abuse1 or unlawful activity to !        
,attorney ,g5]al4  7k7 ,report ,n lat]  
?an two ye>s aft] ! date ( ! enactm5t ( 
?is ,act1 & on annual basis = ea* ( !   
next f\r ye>s !reaft]1 ! ,secret>y %all 
submit to ! ,committee on ,vet]ans'     
,affairs ( ! ,s5ate & ! ,committee on   
,vet]ans' ,affairs ( ! ,h\se (          

,repres5tatives a report on ! program "u
 ?is section4 ,! report %all evaluate ! 
effectiv5ess ( ! program ) respect to-- 
7#a7 borr[] satisfaction2  7#b7         
utilization ( h\s+ loan b5efits2  7#c7  
=eclosure prev5tion outcomes2  7#d7 loss
 mitigation completion rates2  7#e7     
r$efault rates foll[+ loss mitigation2 &
  7#f7 co/-effectiv5ess ( s]vices       
provid$4  4  7b7 ,cl]ical am5dm5t ,!    
table ( sections at ! beg9n+ ( *apt] #cg
 ( title #ch1 ,unit$ ,/ates ,code1 is   
am5d$ by ins]t+ aft] ! item relat+ to   
section #cgcg ! foll[+ new item3  #cgch4
 ,borr[] support s]vices = h\s+ loans4  
4