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Code · BILL · 119th Congress · S. 2296 (Engrossed in Senate) — To authorize appropriations for fiscal year 2026 for military activities of the Department of Defense, for military c... · Sec. 5602

Sec. 5602. Veterans Affairs Loan Informed Disclosure (VALID) Act

234 words·~1 min read·/bill/119/s/2296/es/section-5602

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Subparagraph
(A)of section 203(f)(2) of the National Housing Act ( 12 U.S.C. 1709(f)(2)(A) ) is amended— by inserting
(i)after loan-to-value ratio ; and by inserting before the semicolon the following: , and
(ii)in connection with a loan guaranteed or insured under . chapter 37 of title 38, United States Code, assuming prevailing interest rates Nothing in the amendments made by paragraph
(1)shall be construed to require an original lender to determine whether a prospective borrower is eligible for any loan included in the notice required under section 203(f) of the National Housing Act ( 12 U.S.C. 1709(f) ). Subpart A of part 2 of subtitle A of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 ( 12 U.S.C. 4541 et seq. ), as amended by section 601(a) of this Act, is amended by adding at the end the following: Not later than 6 months after the date of enactment of this section, the Director shall require each enterprise to— include a military service question on the form known as the Uniform Residential Loan Application; and position the question described in paragraph
(1)above the signature line of the Uniform Residential Loan Application. . Not later than 6 months after the date of enactment of this Act, the Director of the Federal Housing Finance Agency shall issue a rule to carry out the amendment made by this section.
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Sec. 5602
Veterans Affairs Loan Informed Disclosure (VALID) Act
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