A Democratic bill with 5 Republican cosponsors · See all 10 cosponsors
Last activity — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill, known as the "VA Loan Informed Disclosure Act of 2025," seeks to amend existing housing laws. It requires that information regarding VA home loans be included in the Informed Consumer Choice Disclosure provided to prospective FHA borrowers. Additionally, the bill mandates the inclusion of a military service question on the Uniform Residential Loan Application. This question must be positioned above the signature line. The Director is tasked with requiring enterprises to include this question within six months of the act's enactment.
Yes· 3 of 5
- Scored +5
Would veterans be better off under this, taking everything together?
The bill benefits veterans by providing more information about VA loan opportunities and standardizing military service disclosure.
- Scored +5
Does this give people more protection from unfair business practices?
The bill enhances consumer protection by requiring disclosures regarding VA loan options for prospective FHA borrowers.
- Scored +5
Does this make what the government does easier for the public to see?
The bill increases transparency in the lending process regarding VA loan availability.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Increased Information for FHA Borrowers: The bill amends the National Housing Act to include information about loans guaranteed or insured under chapter 37 of title 38 in the Informed Consumer Choice Disclosure (Section 2). This provides prospective FHA borrowers with details regarding VA home loans assuming prevailing interest rates.
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Standardized Military Service Identification: The bill requires the inclusion of a military service question on the Uniform Residential Loan Application (Section 3). This question must be positioned above the signature line (Section 3).
Potential Negative Impacts for People
- No specific negative impacts or burdens are explicitly stated in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would veterans be better off under this, taking everything together? — The bill benefits veterans by providing more information about VA loan opportunities and standardizing military service disclosure.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill enhances consumer protection by requiring disclosures regarding VA loan options for prospective FHA borrowers.
- Governance And Ideology
- Does this make what the government does easier for the public to see? — The bill increases transparency in the lending process regarding VA loan availability.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill aids veterans by including information about VA loans in consumer disclosures and standardizing military service identification on loan applications.
- Social Issues And Justice
- Does this make housing cost less? — The bill provides more information to borrowers regarding VA loan options, which can aid in homeownership accessibility.
- 3/5/2026
- 1 Cosponsor added.
- 10/8/2025
- 2 Cosponsors added.
- 9/4/2025
- 2 Cosponsors added.
- 7/31/2025
- 2 Cosponsors added.
- 7/24/2025
- 2 Cosponsors added.
- 6/3/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 1 Cosponsor added.
- Introduced in Senate
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
John BoozmanRepublican · Arkansas
Christopher CoonsDemocrat · Delaware
John HickenlooperDemocrat · Colorado
Mazie HironoDemocrat · Hawaii
Timothy KaineDemocrat · Virginia
Cynthia LummisRepublican · Wyoming
Jerry MoranRepublican · Kansas
Pete RickettsRepublican · Nebraska
Dan SullivanRepublican · Alaska
Mark WarnerDemocrat · Virginia