# 119-hr-3694: VALID Act of 2025

119-hr-3694, VALID Act of 2025, is a 119th Congress bill sponsored by Rep. Pettersen, Brittany [D-CO-7] (D-CO); status introduced; PRIA reads it as touching household money (as of 2026-09-27).

- Canonical: https://policyrisk.com/legislation/119-hr-3694
- As of: 2026-09-27
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3694
- Congress: 119
- Title: VALID Act of 2025
- Status: introduced
- Introduced: 2025-06-03
- Sponsor: Rep. Pettersen, Brittany [D-CO-7] (D-CO)
- Cosponsors: 94
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-09-27

## Summary

**Better visibility of VA loan terms in FHA disclosures.** This bill would require FHA borrower disclosures to include information about VA home loans and would add a military service question to the Uniform Residential Loan Application. - Prospective borrowers, including veterans: Would see VA home loan information in the Informed Consumer Choice Disclosure when weighing FHA options, including a note that prevailing interest rates may apply to VA-guaranteed loans. - Military applicants and households: Each enterprise would add a military service question to the URLA and place it above the signature line, standardizing how service data is collected across mortgage applicants. - Lenders and regulators: The Federal Housing Finance Agency Director would have 6 months to issue a rule to implement the URLA change. The bill also clarifies that original lenders are not required to determine borrower eligibility for loans mentioned in the disclosure.

## Cosponsors (94)

- Rep. Hageman, Harriet M. [R-WY-At Large] (R-WY), 2025-06-03T00:00:00.000Z
- Rep. Williams, Nikema [D-GA-5] (D-GA), 2025-06-03T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-06-03T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-06-11T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-06-17T00:00:00.000Z
- Rep. Moolenaar, John R. [R-MI-2] (R-MI), 2025-06-17T00:00:00.000Z
- Rep. Schakowsky, Janice D. [D-IL-9] (D-IL), 2025-06-17T00:00:00.000Z
- Rep. Newhouse, Dan [R-WA-4] (R-WA), 2025-06-17T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2025-06-17T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-06-17T00:00:00.000Z
- Rep. Khanna, Ro [D-CA-17] (D-CA), 2025-06-17T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-06-17T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-06-23T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-06-23T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-06-23T00:00:00.000Z
- Rep. Casten, Sean [D-IL-6] (D-IL), 2025-06-23T00:00:00.000Z
- Rep. Cohen, Steve [D-TN-9] (D-TN), 2025-06-23T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-06-23T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-06-23T00:00:00.000Z
- Rep. Lieu, Ted [D-CA-36] (D-CA), 2025-06-23T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2025-06-23T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2025-06-23T00:00:00.000Z
- Rep. Garcia, Sylvia R. [D-TX-29] (D-TX), 2025-06-23T00:00:00.000Z
- Rep. Davis, Danny K. [D-IL-7] (D-IL), 2025-06-23T00:00:00.000Z
- Rep. Tonko, Paul [D-NY-20] (D-NY), 2025-06-23T00:00:00.000Z
- Rep. Craig, Angie [D-MN-2] (D-MN), 2025-06-23T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-06-24T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-06-24T00:00:00.000Z
- Rep. Auchincloss, Jake [D-MA-4] (D-MA), 2025-06-24T00:00:00.000Z
- Rep. Castro, Joaquin [D-TX-20] (D-TX), 2025-06-24T00:00:00.000Z
- Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-06-25T00:00:00.000Z
- Rep. Neguse, Joe [D-CO-2] (D-CO), 2025-06-25T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-06-25T00:00:00.000Z
- Rep. Smith, Adam [D-WA-9] (D-WA), 2025-06-26T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-06-26T00:00:00.000Z
- Rep. Begich, Nicholas J. [R-AK-At Large] (R-AK), 2025-06-26T00:00:00.000Z
- Rep. Finstad, Brad [R-MN-1] (R-MN), 2025-06-27T00:00:00.000Z
- Rep. Bergman, Jack [R-MI-1] (R-MI), 2025-06-30T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-06-30T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-06-30T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-07-02T00:00:00.000Z
- Rep. Nehls, Troy E. [R-TX-22] (R-TX), 2025-07-10T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-07-10T00:00:00.000Z
- Rep. Ross, Deborah K. [D-NC-2] (D-NC), 2025-07-16T00:00:00.000Z
- Rep. Wittman, Robert J. [R-VA-1] (R-VA), 2025-07-22T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2025-07-23T00:00:00.000Z
- Rep. Simon, Lateefah [D-CA-12] (D-CA), 2025-07-29T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-07-29T00:00:00.000Z
- Rescom. Hernández, Pablo Jose [D-PR-At Large] (D-PR), 2025-07-29T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2025-09-02T00:00:00.000Z
- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-09-02T00:00:00.000Z
- Rep. Turner, Michael R. [R-OH-10] (R-OH), 2025-09-03T00:00:00.000Z
- Rep. Larsen, Rick [D-WA-2] (D-WA), 2025-09-08T00:00:00.000Z
- Rep. Baird, James R. [R-IN-4] (R-IN), 2025-09-08T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2025-09-26T00:00:00.000Z
- Rep. Hayes, Jahana [D-CT-5] (D-CT), 2025-09-26T00:00:00.000Z
- Rep. LaLota, Nick [R-NY-1] (R-NY), 2025-10-03T00:00:00.000Z
- Rep. Pappas, Chris [D-NH-1] (D-NH), 2025-10-03T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-10-06T00:00:00.000Z
- Rep. Evans, Gabe [R-CO-8] (R-CO), 2025-10-06T00:00:00.000Z
- Rep. Franklin, Scott [R-FL-18] (R-FL), 2025-10-10T00:00:00.000Z
- Rep. Subramanyam, Suhas [D-VA-10] (D-VA), 2025-10-10T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-10-10T00:00:00.000Z
- Rep. Womack, Steve [R-AR-3] (R-AR), 2025-10-21T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-10-24T00:00:00.000Z
- Rep. Torres, Norma J. [D-CA-35] (D-CA), 2025-10-24T00:00:00.000Z
- Rep. Mills, Cory [R-FL-7] (R-FL), 2025-10-24T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2025-10-24T00:00:00.000Z
- Rep. Luttrell, Morgan [R-TX-8] (R-TX), 2025-10-24T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-10-28T00:00:00.000Z
- Rep. Randall, Emily [D-WA-6] (D-WA), 2025-11-07T00:00:00.000Z
- Rep. Carter, John R. [R-TX-31] (R-TX), 2025-11-07T00:00:00.000Z
- Rep. Obernolte, Jay [R-CA-23] (R-CA), 2025-11-07T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-11-07T00:00:00.000Z
- Rep. Lynch, Stephen F. [D-MA-8] (D-MA), 2025-11-07T00:00:00.000Z
- Rep. Norcross, Donald [D-NJ-1] (D-NJ), 2025-11-12T00:00:00.000Z
- Rep. Letlow, Julia [R-LA-5] (R-LA), 2025-11-17T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-11-17T00:00:00.000Z
- Rep. Cline, Ben [R-VA-6] (R-VA), 2025-12-12T00:00:00.000Z
- Rep. Case, Ed [D-HI-1] (D-HI), 2025-12-16T00:00:00.000Z
- Rep. Bresnahan, Robert P. [R-PA-8] (R-PA), 2025-12-18T00:00:00.000Z
- Rep. Kiggans, Jennifer A. [R-VA-2] (R-VA), 2026-01-08T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-01-21T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2026-01-22T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2026-02-03T00:00:00.000Z
- Rep. Luna, Anna Paulina [R-FL-13] (R-FL), 2026-03-25T00:00:00.000Z
- Rep. Kean, Thomas H. [R-NJ-7] (R-NJ), 2026-04-06T00:00:00.000Z
- Rep. Sewell, Terri A. [D-AL-7] (D-AL), 2026-04-27T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2026-04-27T00:00:00.000Z
- Rep. McGuire, John J. [R-VA-5] (R-VA), 2026-04-30T00:00:00.000Z
- Rep. DeSaulnier, Mark [D-CA-10] (D-CA), 2026-06-23T00:00:00.000Z
- Rep. Lofgren, Zoe [D-CA-18] (D-CA), 2026-06-24T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2026-06-29T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2026-08-03T00:00:00.000Z

## Provisions PRIA read

- More VA loan info for homebuyers: benefit, low. If enacted, federal mortgage disclosures for FHA loans would add a line showing VA loan terms at current rates. This would take effect upon enactment, and lenders would not have to decide if a buyer qualifies for a VA loan. No later than 6 months after enactment, the standard mortgage application w…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-979: AM Radio for Every Vehicle Act of 2025
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025

## Sources
- [119-hr-3694 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3694)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-979: AM Radio for Every Vehicle Act of 2025](https://policyrisk.com/legislation/119-hr-979)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3694 (as of 2026-09-27).