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    <number>2496</number>
    <updateDate>2025-12-05T08:48:29Z</updateDate>
    <updateDateIncludingText>2025-12-05T08:48:29Z</updateDateIncludingText>
    <originChamber>Senate</originChamber>
    <originChamberCode>S</originChamberCode>
    <type>S</type>
    <introducedDate>2023-07-25</introducedDate>
    <congress>118</congress>
    <legislationUrl>https://www.congress.gov/bill/118th-congress/senate-bill/2496</legislationUrl>
    <committees>
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        <name>Banking, Housing, and Urban Affairs Committee</name>
        <chamber>Senate</chamber>
        <type>Standing</type>
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            <name>Referred To</name>
            <date>2023-07-25T23:36:57Z</date>
          </item>
        </activities>
      </item>
    </committees>
    <relatedBills>
      <item>
        <title>VA Loan Informed Disclosure Act of 2023</title>
        <congress>118</congress>
        <number>4335</number>
        <type>HR</type>
        <latestAction>
          <actionDate>2023-06-23</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
        </latestAction>
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            <identifiedBy>CRS</identifiedBy>
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        <actionDate>2023-07-25</actionDate>
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            <name>Banking, Housing, and Urban Affairs Committee</name>
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        <sourceSystem>
          <name>Senate</name>
        </sourceSystem>
        <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
        <type>IntroReferral</type>
      </item>
      <item>
        <actionDate>2023-07-25</actionDate>
        <text>Introduced in Senate</text>
        <type>IntroReferral</type>
        <actionCode>10000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
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    </actions>
    <sponsors>
      <item>
        <bioguideId>C000141</bioguideId>
        <fullName>Sen. Cardin, Benjamin L. [D-MD]</fullName>
        <firstName>Ben</firstName>
        <lastName>Cardin</lastName>
        <party>D</party>
        <state>MD</state>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>B001236</bioguideId>
        <fullName>Sen. Boozman, John [R-AR]</fullName>
        <firstName>John</firstName>
        <lastName>Boozman</lastName>
        <party>R</party>
        <state>AR</state>
        <sponsorshipDate>2023-07-25</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001088</bioguideId>
        <fullName>Sen. Coons, Christopher A. [D-DE]</fullName>
        <firstName>Christopher</firstName>
        <lastName>Coons</lastName>
        <party>D</party>
        <state>DE</state>
        <middleName>A.</middleName>
        <sponsorshipDate>2023-09-12</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001035</bioguideId>
        <fullName>Sen. Collins, Susan M. [R-ME]</fullName>
        <firstName>Susan</firstName>
        <lastName>Collins</lastName>
        <party>R</party>
        <state>ME</state>
        <middleName>M.</middleName>
        <sponsorshipDate>2023-09-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000779</bioguideId>
        <fullName>Sen. Wyden, Ron [D-OR]</fullName>
        <firstName>Ron</firstName>
        <lastName>Wyden</lastName>
        <party>D</party>
        <state>OR</state>
        <sponsorshipDate>2023-09-27</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001075</bioguideId>
        <fullName>Sen. Cassidy, Bill [R-LA]</fullName>
        <firstName>Bill</firstName>
        <lastName>Cassidy</lastName>
        <party>R</party>
        <state>LA</state>
        <sponsorshipDate>2023-10-03</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001198</bioguideId>
        <fullName>Sen. Sullivan, Dan [R-AK]</fullName>
        <firstName>Dan</firstName>
        <lastName>Sullivan</lastName>
        <party>R</party>
        <state>AK</state>
        <sponsorshipDate>2023-10-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001217</bioguideId>
        <fullName>Sen. Scott, Rick [R-FL]</fullName>
        <firstName>Rick</firstName>
        <lastName>Scott</lastName>
        <party>R</party>
        <state>FL</state>
        <sponsorshipDate>2023-10-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001042</bioguideId>
        <fullName>Sen. Hirono, Mazie K. [D-HI]</fullName>
        <firstName>Mazie</firstName>
        <lastName>Hirono</lastName>
        <party>D</party>
        <state>HI</state>
        <middleName>K.</middleName>
        <sponsorshipDate>2023-12-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001098</bioguideId>
        <fullName>Sen. Cruz, Ted [R-TX]</fullName>
        <firstName>Ted</firstName>
        <lastName>Cruz</lastName>
        <party>R</party>
        <state>TX</state>
        <sponsorshipDate>2023-12-12</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000595</bioguideId>
        <fullName>Sen. Peters, Gary C. [D-MI]</fullName>
        <firstName>Gary</firstName>
        <lastName>Peters</lastName>
        <party>D</party>
        <state>MI</state>
        <sponsorshipDate>2024-01-10</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001310</bioguideId>
        <fullName>Sen. Braun, Mike [R-IN]</fullName>
        <firstName>Mike</firstName>
        <lastName>Braun</lastName>
        <party>R</party>
        <state>IN</state>
        <sponsorshipDate>2024-04-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000384</bioguideId>
        <fullName>Sen. Kaine, Tim [D-VA]</fullName>
        <firstName>Timothy</firstName>
        <lastName>Kaine</lastName>
        <party>D</party>
        <state>VA</state>
        <middleName>M.</middleName>
        <sponsorshipDate>2024-05-23</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000802</bioguideId>
        <fullName>Sen. Whitehouse, Sheldon [D-RI]</fullName>
        <firstName>Sheldon</firstName>
        <lastName>Whitehouse</lastName>
        <party>D</party>
        <state>RI</state>
        <sponsorshipDate>2024-06-03</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000608</bioguideId>
        <fullName>Sen. Rosen, Jacky [D-NV]</fullName>
        <firstName>Jacklyn</firstName>
        <lastName>Rosen</lastName>
        <party>D</party>
        <state>NV</state>
        <sponsorshipDate>2024-07-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001176</bioguideId>
        <fullName>Sen. Merkley, Jeff [D-OR]</fullName>
        <firstName>Jeff</firstName>
        <lastName>Merkley</lastName>
        <party>D</party>
        <state>OR</state>
        <sponsorshipDate>2024-07-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001191</bioguideId>
        <fullName>Sen. Sinema, Kyrsten [I-AZ]</fullName>
        <firstName>Kyrsten</firstName>
        <lastName>Sinema</lastName>
        <party>I</party>
        <state>AZ</state>
        <sponsorshipDate>2024-09-25</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>V000128</bioguideId>
        <fullName>Sen. Van Hollen, Chris [D-MD]</fullName>
        <firstName>Chris</firstName>
        <lastName>Van Hollen</lastName>
        <party>D</party>
        <state>MD</state>
        <sponsorshipDate>2024-11-12</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Housing and Community Development</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Consumer affairs</name>
          <updateDate>2025-01-14T20:55:36Z</updateDate>
        </item>
        <item>
          <name>Government information and archives</name>
          <updateDate>2025-01-14T20:55:36Z</updateDate>
        </item>
        <item>
          <name>Government lending and loan guarantees</name>
          <updateDate>2025-01-14T20:55:36Z</updateDate>
        </item>
        <item>
          <name>Housing finance and home ownership</name>
          <updateDate>2025-01-14T20:55:36Z</updateDate>
        </item>
        <item>
          <name>Veterans' loans, housing, homeless programs</name>
          <updateDate>2025-01-14T20:55:36Z</updateDate>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Housing and Community Development</name>
        <updateDate>2023-09-07T16:15:21Z</updateDate>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2023-07-25</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2023-11-02T21:18:55Z</updateDate>
        <cdata>
          <text>&lt;p&gt;&lt;b&gt;VA Loan Informed Disclosure Act of 2023 or the VALID Act of 2023&lt;/b&gt;&lt;/p&gt; &lt;p&gt;The bill requires a Federal Housing Administration mortgage notice to contain comparative rate and fee information about loans available under the Department of Veterans Affairs home loan program.&lt;/p&gt;</text>
        </cdata>
      </summary>
    </summaries>
    <title>VALID Act of 2023</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <titleTypeCode>45</titleTypeCode>
        <title>VALID Act of 2023</title>
        <updateDate>2024-11-13T12:03:16Z</updateDate>
      </item>
      <item>
        <titleType>Short Title(s) as Introduced</titleType>
        <titleTypeCode>101</titleTypeCode>
        <title>VALID Act of 2023</title>
        <updateDate>2024-05-24T13:37:28Z</updateDate>
        <billTextVersionName>Introduced in Senate</billTextVersionName>
        <billTextVersionCode>IS</billTextVersionCode>
      </item>
      <item>
        <titleType>Short Title(s) as Introduced</titleType>
        <titleTypeCode>101</titleTypeCode>
        <title>VA Loan Informed Disclosure Act of 2023</title>
        <updateDate>2024-05-24T13:37:28Z</updateDate>
        <billTextVersionName>Introduced in Senate</billTextVersionName>
        <billTextVersionCode>IS</billTextVersionCode>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <titleTypeCode>6</titleTypeCode>
        <title>A bill to amend the National Housing Act to include information regarding VA home loans in the Informed Consumer Choice Disclosure required to be provided to prospective FHA borrowers.</title>
        <updateDate>2024-04-09T08:08:24Z</updateDate>
        <billTextVersionName>Introduced in Senate</billTextVersionName>
        <billTextVersionCode>IS</billTextVersionCode>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in Senate</type>
        <date>2023-07-25T04:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-118s2496is/xml/BILLS-118s2496is.xml</url>
          </item>
        </formats>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2023-07-25</actionDate>
      <text>Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.</text>
    </latestAction>
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    <dc:language>EN</dc:language>
    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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