Protecting Veterans from Predatory Lending Act of 2018

Read twice and referred to the Committee on Veterans' Affairs.

Congressional Research Service

Official summary

Version 00 · Introduced in Senate · Jan 11, 2018

Protecting Veterans from Predatory Lending Act of 2018

The bill establishes mortgage loan protections for veterans.

A refinanced home loan may not be guaranteed by the Department of Veterans Affairs (VA) unless: (1) a specified minimum time period has passed between the original loan and the refinancing; and (2) the lender complies with provisions related to fee recoupment, mortgage interest rates, and net tangible benefit tests.

The National Housing Act is amended to prohibit the Government National Mortgage Association (Ginnie Mae) from guaranteeing a new refinanced VA loan until the later of: (1) 210 days after the first loan payment, or (2) the sixth monthly loan payment.

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People & committees

Who introduced it

Sen. Tillis, Thomas [R-NC] · R–NC

Committees

Veterans' Affairs Committee

13 cosponsorship records, including any withdrawals

Legislative record

Actions

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Jan 11, 2018
Read twice and referred to the Committee on Veterans' Affairs.
Jan 11, 2018
Introduced in Senate

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in Senate · Jan 11, 2018 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

S 2155 · Economic Growth, Regulatory Relief, and Consumer Protection Act

Source last updated: Aug 11, 2025. Consult Congress.gov for the current record.

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Analyze S.2304 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.

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Discuss S.2304, 115th Congress: Protecting Veterans from Predatory Lending Act of 2018

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/2304

Text version to examine: Introduced in Senate · 2018-01-11.

Official full text: https://www.congress.gov/115/bills/s2304/BILLS-115s2304is.htm

Imported record last updated by the source: 2025-08-11T16:34:57Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze S.2304 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.

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Progressive lens

Examine S.2304 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.

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Discuss S.2304, 115th Congress: Protecting Veterans from Predatory Lending Act of 2018

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/2304

Text version to examine: Introduced in Senate · 2018-01-11.

Official full text: https://www.congress.gov/115/bills/s2304/BILLS-115s2304is.htm

Imported record last updated by the source: 2025-08-11T16:34:57Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine S.2304 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.

Institutions and government scope

Conservative lens

Examine S.2304 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.

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Discuss S.2304, 115th Congress: Protecting Veterans from Predatory Lending Act of 2018

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/2304

Text version to examine: Introduced in Senate · 2018-01-11.

Official full text: https://www.congress.gov/115/bills/s2304/BILLS-115s2304is.htm

Imported record last updated by the source: 2025-08-11T16:34:57Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine S.2304 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.

Individual rights and government power

Liberty lens

Examine S.2304 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.

View full prompt & sources

Discuss S.2304, 115th Congress: Protecting Veterans from Predatory Lending Act of 2018

Official record: https://www.congress.gov/bill/115th-congress/senate-bill/2304

Text version to examine: Introduced in Senate · 2018-01-11.

Official full text: https://www.congress.gov/115/bills/s2304/BILLS-115s2304is.htm

Imported record last updated by the source: 2025-08-11T16:34:57Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine S.2304 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.