PlainBillCongress, translated.Legislation. Context. Public interest.Became Public Law No: 117-308.
Congressional Research Service
Version 49 · Public Law · Dec 27, 2022
Improving Access to the VA Home Loan Benefit Act of 2022
This act requires the Department of Veterans Affairs (VA) to update regulations, requirements, and guidance related to appraisals for housing loans guaranteed by the VA.
Specifically, such regulations or requirements must specify when an appraisal is required, how an appraisal is to be conducted, and who is eligible to conduct an appraisal for such loans. The act also requires the VA to submit to Congress recommendations for improving the delivery times for appraisals for VA loans and to take such recommendations into consideration in prescribing its updated regulations or requirements.
The VA must also provide additional guidance for desktop appraisals, which are performed remotely using information gathered by third parties with whom a VA-approved appraiser has entered into an agreement for such appraisal. In updating such guidance, the VA must specifically take into account situations where (1) desktop appraisals provide cost savings for borrowers, and (2) a traditional appraisal requirement could cause time delays and jeopardize the completion of a transaction.
People & committees
Rep. Bost, Mike [R-IL-12] · R–IL
Legislative record
A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.
Became Public Law No: 117-308.
Became Public Law No: 117-308.
Signed by President.
Signed by President.
Presented to President.
Presented to President.
Message on Senate action sent to the House.
Passed Senate without amendment by Unanimous Consent. (consideration: CR S7302)
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
Received in the Senate, read twice.
Pursuant to section 11 of H. Res. 1339, and the motion offered by Mr. Hoyer, the following bills passed under suspension of the rules: H.R. 1468, as amended; H.R. 5865; H.R. 5916, as amended; H.R. 7735, as amended; H.R. 7846; H.R. 7939, as amended; H.R. 8260, as amended; and S. 4205. (consideration: CR H7814-7822; text: CR H7819-7820)
Passed/agreed to in House: Pursuant to section 11 of H. Res. 1339, and the motion offered by Mr. Hoyer, the following bills passed under suspension of the rules: H.R. 1468, as amended; H.R. 5865; H.R. 5916, as amended; H.R. 7735, as amended; H.R. 7846; H.R. 7939, as amended; H.R. 8260, as amended; and S. 4205.
Pursuant to the provisions of H. Res. 1339, proceedings on H.R. 7735 are considered vacated.
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
DEBATE - The House proceeded with forty minutes of debate on H.R. 7735.
Considered under suspension of the rules. (consideration: CR H7768-7769; text: CR H7768)
Mr. Takano moved to suspend the rules and pass the bill, as amended.
Ordered to be Reported (Amended) by Voice Vote.
Committee Consideration and Mark-up Session Held.
Subcommittee on Economic Opportunity Discharged.
Subcommittee Hearings Held.
Referred to the Subcommittee on Economic Opportunity.
Referred to the House Committee on Veterans' Affairs.
Introduced in House
Introduced in House
Primary sources
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Source last updated: May 28, 2025. Consult Congress.gov for the current record.
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Analyze H.R.7735 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.
Examine H.R.7735 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.
Examine H.R.7735 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.
Examine H.R.7735 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.