HR3694119th CongressWALLET

VALID Act of 2025

Sponsored By: Representative Pettersen, Brittany [D-CO-7]

Introduced

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.

Show full summary

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.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

More VA loan info for homebuyers

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 would add a military service question above the signature line. The Federal Housing Finance Agency would issue a rule to require this change. These steps could help veterans compare options and get flagged for VA loan programs.

Sponsors & CoSponsors

Sponsor

Pettersen, Brittany [D-CO-7]

CO • D

Cosponsors

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

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov

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Back to Legislation

VALID Act of 2025

Summary

How does this bill affect your finances?

Bill Overview

Analyzed Economic Effects

Low Impact

More VA loan info for homebuyers

Sponsors & CoSponsors

Sponsor

Cosponsors

Roll Call Votes

Related Bills

Live Policy Activity

Not In My Barn Yard Act

Other Activity On This Topic

DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push

How These Connect

Deep Dive

Federal Debt & the Debt Ceiling

Commercial Space Launch & Regulation

Related Bills

Live Policy Activity

Not In My Barn Yard Act

Other Activity On This Topic

DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push

How These Connect

Deep Dive

Federal Debt & the Debt Ceiling

Commercial Space Launch & Regulation

Labor Updates Vietnam Vets' Job Rules After EO Shakeup

Guam Harbor Locks Down for Secret Service VIP Visit

Expressing support for the designation of August 22, 2026, as "Chuck Brown Day", and honoring Chuck Brown's contributions to music and to the District of Columbia.

No Insider Trading on National Security Act of 2026

Crossett Experimental Forest Act of 2026

National Space Grant College Program

Advisory Council on Historic Preservation