‘‘(ii) was conceived after the date on 
which that veteran first entered service de-
scribed in subsection (c) of that section.’’. 
(c) CLERICAL AMENDMENTS.— 
(1) SUBCHAPTER HEADING.—The heading for 
subchapter III of chapter 18 of such title is amend-
ed 
by 
inserting 
‘‘AND 
THAILAND’’ 
after 
‘‘KOREA’’. 
(2) TABLE OF SECTIONS.—The table of sections 
at the beginning of chapter 18 of such title is 
amended— 
(A) by striking the item relating to sub-
chapter III and inserting the following new 
item: 
‘‘SUBCHAPTER III—CHILDREN OF CERTAIN KOREA AND THAILAND SERVICE 
VETERANS BORN WITH SPINA BIFIDA’’; 
and 
(B) by inserting after the item relating to 
section 1821 the following new item: 
‘‘1822. Benefits for children of certain Thailand service veterans born with spina 
bifida.’’. 
(d) PENDING CASES.— 
(1) AUTHORITY TO STAY.—The Secretary may 
stay a claim described in subparagraph (B) until the 
date on which the Secretary commences the imple-
mentation of section 1822 of title 38, United States 
Code, as added by subsection (a). 
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(2) CLAIMS DESCRIBED.—A claim described in 
this subparagraph is a claim for benefits— 
(A) relating to the spina bifida and service 
covered by such section 1822; and 
(B) that is pending at the Veterans Bene-
fits Administration or the Board of Veterans’ 
Appeals on or after the date of the enactment 
of this Act and before the date on which the 
Secretary commences the implementation of 
such section 1822. 
(e) REPORT.—Not later than 180 days after the date 
of the enactment of this Act, the Secretary of Veterans 
Affairs, in consultation with the Secretary of Defense, 
shall submit to the Committees on Veterans’ Affairs of 
the House of Representatives and the Senate a report 
identifying— 
(1) the military installations of the United 
States located in Thailand during the period begin-
ning on January 9, 1962, and ending on May 7, 
1975, at which an herbicide agent (as defined in sec-
tion 1822 of title 38, United States Code, as added 
by subsection (a)) was actively used; and 
(2) the period of such use. 
(f) EFFECTIVE DATE.—The amendments made by 
this section shall take effect on January 1, 2020. 
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SEC. 5. UPDATED REPORT ON CERTAIN GULF WAR ILLNESS 
STUDY. 
Not later than 180 days after the date of the enact-
ment of this Act, the Secretary of Veterans Affairs shall 
submit to the Committees on Veterans’ Affairs of the 
House of Representatives and the Senate an updated re-
port on the findings, as of the date of the updated report, 
of the Follow-up Study of a National Cohort of Gulf War 
and Gulf Era Veterans under the epidemiology program 
of the Department of Veterans Affairs. 
SEC. 6. LOANS GUARANTEED UNDER HOME LOAN PRO-
GRAM OF DEPARTMENT OF VETERANS AF-
FAIRS. 
(a) 
ADJUSTMENT
OF
LOAN
LIMIT.—Section 
3703(a)(1) of title 38, United States Code, is amended— 
(1) in subparagraph (A)(i)(IV)— 
(A) by striking ‘‘the lesser of’’; and 
(B) by striking ‘‘or 25 percent of the 
loan’’; and 
(2) in subparagraph (C), by striking ‘‘Freddie 
Mac’’ and all that follows through the period at the 
end and inserting ‘‘amount of the loan.’’. 
(b) LOAN FEES.—Section 3729(b)(2) of such title is 
amended by striking the loan fee table and inserting the 
following: 
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‘‘Type of loan 
Active duty 
veteran 
Reservist 
Other 
obligor 
(A)(i) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after October 
1, 2004, and before January 1, 
2020) 
2.15 
2.40 
NA 
(A)(ii) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after January 
1, 2020, and before December 1, 
2027) 
2.40 
2.40 
NA 
(A)(iii) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after Decem-
ber 1, 2027, and before October 1, 
2028) 
2.15 
2.15 
NA 
(A)(iv) Initial loan described in section 
3710(a) to purchase or construct a 
dwelling with 0-down, or any other 
initial loan described in section 
3710(a) other than with 5-down or 
10-down (closed on or after October 
1, 2028) 
1.40 
1.40 
NA 
(B)(i) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after October 1, 2004, and before 
January 1, 2020) 
3.30 
3.30 
NA 
(B)(ii) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after January 1, 2020, and before 
December 1, 2027) 
3.80 
3.80 
NA 
(B)(iii) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
3.30 
3.30 
NA 
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‘‘Type of loan 
Active duty 
veteran 
Reservist 
Other 
obligor 
(B)(iv) Subsequent loan described in 
section 3710(a) to purchase or con-
struct a dwelling with 0-down, or 
any other subsequent loan described 
in section 3710(a) (closed on or 
after October 1, 2028) 
1.25 
1.25 
NA 
(C)(i) 
Loan 
described 
in 
section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed before 
January 1, 2020) 
1.50 
1.75 
NA 
(C)(ii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after January 1, 2020, and before 
December 1, 2027) 
1.75 
1.75 
NA 
(C)(iii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
1.50 
1.50 
NA 
(C)(iv) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 5-down (closed on or 
after October 1, 2028) 
0.75 
0.75 
NA 
(D)(i) 
Loan 
described 
in 
section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed before 
January 1, 2020) 
1.25 
1.50 
NA 
(D)(ii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after January 1, 2020, and before 
December 1, 2027) 
1.45 
1.45 
NA 
(D)(iii) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after December 1, 2027, and before 
October 1, 2028) 
1.25 
1.25 
NA 
(D)(iv) Loan described in section 
3710(a) to purchase or construct a 
dwelling with 10-down (closed on or 
after October 1, 2028) 
0.50 
0.50 
NA 
(E) Interest rate reduction refinancing 
loan 
0.50 
0.50 
NA 
(F) Direct loan under section 3711 
1.00 
1.00 
NA 
(G) Manufactured home loan under 
section 3712 (other than an interest 
rate reduction refinancing loan) 
1.00 
1.00 
NA 
(H) Loan to Native American veteran 
under section 3762 (other than an 
interest rate reduction refinancing 
loan) 
1.25 
1.25 
NA 
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