H. R. 1815—3 
(a), is the purchase by the Secretary of a portion of indebtedness 
under the loan, through a transaction under which the Secretary— 
‘‘(1) pays to the holder of the loan the amount of indebted-
ness, subject to subsection (c), that the Secretary determines 
necessary to help prevent or resolve a default; and 
‘‘(2) receives a secured interest in the property that serves 
as collateral for the guaranteed loan, which is subordinate 
to the first lien guaranteed loan for such property. 
‘‘(c) ADMINISTRATION
OF PARTIAL CLAIM.—(1)(A) Subject to 
subparagraph (B), the amount of a partial claim under this section 
with respect to a loan guaranteed described in subsection (a) may 
not exceed 25 percent of the unpaid principal balance of the loan 
on the date on which the partial claim is made. 
‘‘(B) In the case of an individual who failed to make a payment 
on a loan guaranteed under this chapter during the period beginning 
on March 1, 2020 and ending on May 1, 2025, the amount of 
a partial claim under this section may not exceed 30 percent of 
the unpaid principal balance of the guaranteed loan as of the 
date that the initial partial claim is made. 
‘‘(2)(A) Subject to subparagraph (B), the Secretary may make 
only one partial claim per loan. 
‘‘(B) The Secretary may make an additional partial claim on 
a loan guaranteed under this chapter in the case of an individual 
who failed to make a payment on such loan during— 
‘‘(i) a major disaster declared by the President under section 
401 of the Robert T. Stafford Disaster Relief and Emergency 
Assistance Act (42 U.S.C. 5170); or 
‘‘(ii) the period of 120 days following such a major disaster. 
‘‘(3) An amount paid to the holder of a loan as a partial 
claim— 
‘‘(A) shall not count against the amount of a loan that 
may otherwise be guaranteed under this chapter; and 
‘‘(B) may not be applied to the portion of the loan that 
is guaranteed under this chapter. 
‘‘(4) A holder of a loan guaranteed under such chapter for 
which the Secretary makes a partial claim under this section shall 
apply the amount paid by the Secretary for the partial claim first 
to arrearages, if any, on the guaranteed loan. Such arrearages 
may include any additional costs (such as taxes, insurance pre-
miums, or homeowner’s dues) the Secretary determines necessary 
to prevent or resolve a default. 
‘‘(5) The Secretary may enter into a contract with an appro-
priate entity for the service of a partial claim made by the Secretary 
under this section. Any such contract shall provide that such entity 
shall provide quarterly statements to the holder of the loan for 
which the Secretary makes the partial claim. 
‘‘(d) REQUIREMENTS OF LOAN HOLDER.—(1) The Secretary may 
require the holder of a loan for which the Secretary makes a 
partial claim under this section to take any actions necessary to 
establish the partial claim, including preparing, executing, 
transmitting, receiving, and recording loan documents. 
‘‘(2) The Secretary shall compensate the holder of such a loan 
appropriately, as determined by the Secretary, for the services 
required of such holder under this subsection. 
‘‘(3) The Secretary may exercise the authority of the Secretary 
under this subsection without regard to any other provision of
H. R. 1815—4 
law not enacted expressly in limitation of this section that would 
otherwise govern the expenditure of public funds. 
‘‘(e) DEFAULT AND FORECLOSURE.—(1)(A) Notwithstanding sec-
tion 3703(e) of this title, an individual who defaults on a loan 
for which the Secretary makes a partial claim made under this 
section shall be liable to the Secretary for any loss suffered by 
the Secretary resulting from such default. Such a loss may be 
recovered in the same manner as any other debt due the United 
States. 
‘‘(B) In the event of default by an individual on a loan for 
which the Secretary makes a partial claim made under this section, 
the Secretary may reduce the aggregate amount of guaranty or 
insurance housing loan entitlement available to the individual 
under this chapter. 
‘‘(2) Notwithstanding section 2410(c) of title 28, an action to 
foreclose a lien held by the United States arising under a partial 
claim made under this section shall follow foreclosure procedures 
in accordance with State or local law where the property involved 
is located. 
‘‘(f) DECISIONS BY THE SECRETARY.—(1) Any partial claim made 
under this section shall be made in the sole discretion of the 
Secretary and on terms and conditions acceptable to the Secretary 
that are consistent with this section. 
‘‘(2) Any decision by the Secretary under this section is final 
and conclusive and is not subject to judicial review. 
‘‘(3) For purposes of section 511 of this title, any decision 
under this section shall not be treated as a decision under a law 
that affects the provision of benefits. 
‘‘(g) COMPLIANCE.—(1) The Secretary may establish standards 
for processing payments under this section based on a certification 
by a holder of a loan guaranteed under such chapter that the 
holder has complied with all applicable requirements established 
by the Secretary. 
‘‘(2) The Secretary shall carry out, on a random-sampling basis, 
post-payment audits to ensure compliance with all requirements 
under paragraph (1). 
‘‘(h) GUIDANCE WITH RESPECT TO CERTAIN LOANS.—(1) With 
respect to a loan described in paragraph (2), the Secretary may— 
‘‘(A) before prescribing regulations, issue administrative 
guidance regarding the making of a partial claim relating to 
such loan; and 
‘‘(B) establish, through such guidance, additional require-
ments applicable to such a partial claim. 
‘‘(2) A loan described in this paragraph is a loan that the 
Secretary determines was in default on the date of the enactment 
of this section. 
‘‘(i) RULE
OF CONSTRUCTION.—Nothing in this section shall 
be construed to limit the authority of the Secretary under sub-
sections (a) and (d) of section 3732 of this title. 
‘‘(j) TERMINATION.—The Secretary may not make a partial claim 
under this section after the date that is five years after the date 
of the enactment of this section.’’. 
(b) CLERICAL AMENDMENT.—The table of sections at the begin-
ning of such chapter is amended by inserting after the item relating 
to section 3736 the following new item: 
‘‘3737. Partial Claim Program.’’.
H. R. 1815—5 
SEC. 4. STRATEGY OF THE SECRETARY OF VETERANS AFFAIRS 
REGARDING THE EFFECT OF CERTAIN LITIGATION. 
Not later than 90 days after the date of the enactment of 
this Act, the Secretary of Veterans Affairs shall submit to the 
Committees on Veterans’ Affairs of the Senate and House of Rep-
resentatives a report on the strategy of the Secretary to ensure 
that a veteran who seeks to purchase a home with a loan guaranteed 
under chapter 37 of title 38, United States Code, is not at a 
disadvantage when attempting to secure representation by a real 
estate agent or broker. Such strategy may include amendments 
to section 36.4313 of title 38, Code of Federal Regulations. 
SEC. 5. INCREASE OF AUTHORIZATION OF APPROPRIATIONS FOR COM-
PREHENSIVE SERVICE PROGRAMS FOR HOMELESS VET-
ERANS. 
Section 2016 of title 38, United States Code, is amended— 
(1) in paragraph (7), by striking ‘‘fiscal year 2015 and 
each subsequent fiscal year’’ and inserting ‘‘each of fiscal years 
2015 through 2024’’; and 
(2) by adding at the end the following new paragraphs: 
‘‘(8) $344,000,000 for each of fiscal years 2025 and 2026. 
‘‘(9) $257,700,000 for each fiscal year thereafter through 
fiscal year 2030.’’. 
Speaker of the House of Representatives. 
Vice President of the United States and
President of the Senate.