The Clerk read the resolution, as follows:
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Resolved, That upon adoption of this resolution it shall be in order to consider in the House the bill (H.R. 1041) to amend title 38, United States Code, to prohibit the Secretary of Veterans Affairs from transmitting certain information to the Department of Justice for use by the national instant criminal background check system. All points of order against consideration of the bill are waived. The amendment in the nature of a substitute recommended by the Committee on Veterans' Affairs now printed in the bill shall be considered as adopted. The bill, as amended, shall be considered as read. All points of order against provisions in the bill, as amended, are waived. The previous question shall be considered as ordered on the bill, as amended, and on any further amendment thereto, to final passage without intervening motion except: (1) one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Veterans' Affairs or their respective designees; and (2) one motion to recommit.
Sec. 2. Upon adoption of this resolution it shall be in order to consider in the House the bill (H.R. 6047) to amend title 38, United States Code, to direct the Secretary of Veterans Affairs to increase the dollar amounts for the payment of certain disability compensation and dependency and indemnity compensation under the laws administered by the Secretary. All points of order against consideration of the bill are waived. The amendment in the nature of a substitute recommended by the Committee on Veterans' Affairs now printed in the bill, modified by the amendment printed in part A of the report of the Committee on Rules accompanying this resolution, shall be considered as adopted. The bill, as amended, shall be considered as read. All points of order against provisions in the bill, as amended, are waived. The previous question shall be considered as ordered on the bill, as amended, and on any further amendment thereto, to final passage without intervening motion except: (1) one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on Veterans' Affairs or their respective designees; and (2) one motion to recommit.
Sec. 3. Upon adoption of this resolution it shall be in order to consider in the House the bill (H.R. 1329) to permit the Smithsonian American Women's History Museum to be located within the Reserve of the National
Mall, and for other purposes. All points of order against consideration of the bill are waived. The amendment in the nature of a substitute recommended by the Committee on House Administration now printed in the bill, modified by the amendment printed in part B of the report of the Committee on Rules accompanying this resolution, shall be considered as adopted. The bill, as amended, shall be considered as read. All points of order against provisions in the bill, as amended, are waived. The previous question shall be considered as ordered on the bill, as amended, and on any further amendment thereto, to final passage without intervening motion except: (1) one hour of debate equally divided and controlled by the chair and ranking minority member of the Committee on House Administration or their respective designees; and (2) one motion to recommit.
Sec. 4. The requirement of clause 6(a) of rule XIII for a two-thirds vote to consider a report from the Committee on Rules on the same day it is presented to the House is waived with respect to any resolution reported through the legislative day of May 24, 2026, relating to a measure providing for reconciliation pursuant to title II of S. Con. Res. 33.
There was no objection.
Brian Jack (R-GA)
Mr. Speaker, I yield myself such time as I may consume.
Mr. Speaker, yesterday the Committee on Rules met and granted a rule providing for consideration of a few measures.
First, the rule provides for consideration of H.R. 1041, the Veterans 2nd Amendment Protection Act, under a closed rule. The rule provides 1 hour of general debate equally divided and controlled by the chair and ranking member of the Committee on Veterans Affairs, or their respective designees, and provides one motion to recommit.
Additionally, the rule provides for consideration of H.R. 6047, the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026, under a closed rule. The rule provides 1 hour of general debate equally divided and controlled by the chair and ranking member of the Committee on Veterans Affairs, or their respective designees, and provides one motion to recommit.
The rule also provides for consideration of H.R. 1329, the Smithsonian American Women's History Museum Act, under a closed rule. The rule provides 1 hour of general debate equally divided and controlled by the chair and ranking member of the Committee on House Administration, or their respective designees, and provides one motion to recommit.
Finally, the rule provides for the flexibility to consider a rule related to reconciliation on the same day it is reported from the Committee on Rules in order to expeditiously consider such legislation if it is received from the Senate.
Mr. Speaker, passage of my resolution today allows us to take important action this week. My resolution allows us to consider legislation affecting veterans, military families, and future generations.
This week, the House has an opportunity to take action on behalf of those who answered our country's call to serve, the families who stand beside them, and the stories that help define who we are as Americans.
Mr. Speaker, the rule before us also provides consideration of H.R. 1041, the Veterans 2nd Amendment Protection Act, introduced by the gentleman from Illinois (Mr. Bost), my friend and colleague.
Chairman Bost has long been a strong advocate for veterans and military families. Yesterday, during discussion of this legislation, we spent time talking through the practical consequences of an issue affecting veterans across our country.
Mr. Speaker, I thought Chairman Bost helped paint an important picture, and I believe it is worth sharing with the House today, while certainly to address the 250,000 veterans who have been affected by this issue, but sometimes understanding legislation begins by thinking about just one person and sharing their story. Picture for a moment a veteran navigating the lasting effects of military service. Maybe they are balancing appointments, recovery, family responsibilities, and challenges associated with service-connected injuries. They are not a danger to themselves. They are not a danger to anyone else, but they simply reach a point where they recognize something many Americans recognize from time to time: I just need a little help. Maybe they speak with fellow veterans at The American Legion, a local VFW Post, or another veterans service association. Maybe they visit Veteran Affairs seeking support, and maybe they are having difficulty managing finances while focusing on their recovery.
The VA then determines a fiduciary may help manage their benefits. This isn't uncommon. A fiduciary is exactly that--someone assigned to help oversee financial matters.
Under the current framework, assignment of a fiduciary results in veterans being reported by VA bureaucrats to the National Instant Criminal Background Check System, otherwise known as the NICS list, despite never being determined to be a danger to themselves or anyone else.
Once entered into that system, veterans can lose their Second Amendment constitutional rights, despite never receiving the same process or legal findings applied to nonveterans.
Mr. Speaker, that is the issue before us.
Earlier this year, President Trump's Department of Veterans Affairs, led by a great Georgian, the Secretary of Veteran Affairs, Doug Collins, took important steps to restore fairness for veterans. The Veterans 2nd Amendment Protection Act builds on that progress by establishing lasting protections under law.
Simply put, this legislation ensures veterans seeking support through the VA are not subjected to different treatment solely because they sought assistance while navigating the lasting effects of military service.
The Veterans 2nd Amendment Protection Act consists of several important provisions.
Section 2 restores due process protections and ensures that the assignment of a fiduciary alone cannot automatically result in placement onto the NICS list, which prohibits firearm access. If you are a veteran at home seeking assistance from the VA, this means asking for help no longer creates uncertainty surrounding your constitutional rights that you defended in uniform. You can seek support. You can focus on recovery. You can continue moving forward with the benefits the Constitution affords you.
Section 3 ensures that veterans previously affected have their records corrected and updated. It rights a wrong and corrects an injustice. If this issue affected you or your family, this legislation creates a path to address concerns that may have followed you for years.
Section 4 clarifies that assistance in managing financial matters alone cannot serve as the basis for different treatment. Seeking support should never result in different treatment.
I applaud the many organizations that have stepped up to help us consider this legislation and advocated for its passage, including the National Rifle Association, the Gun Owners of America, and the National Shooting Sports Foundation. Their leadership and partnership throughout the consideration of this legislation will yield success today. Their advocacy helped elevate this issue and move it forward, beyond just a concept and a debate, for families and military families across the country.
Mr. Speaker, the rule before us also provides for consideration of H.R. 6047, the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026. While military service may come to an end, for many veterans and families, the responsibilities and challenges associated with that service can continue for years.
Mr. Speaker, I would ask the House to think back to the veteran we were just discussing. Now, imagine that same veteran returned home from catastrophic service-connected injuries. Recovery did not end after leaving the battlefield. Instead, recovery became a part of everyday life. Medical appointments became routine. In-home care became necessary. Family members stepped into caregiver roles, and financial responsibilities continued arriving every month.
For veterans and families, that reality continues for many years after military service ends. That is exactly why Congress must act.
Mr. Speaker, legislation receives a name for a reason. This legislation before us bears the names of Sharri Briley and Sergeant Eric Edmundson because their experiences help explain why stronger support matters.
After losing her husband, Army Chief Warrant Officer Donovan "Bull" Briley, during the battle of Mogadishu, Sharri Briley experienced responsibilities no military family should have to navigate alone. At just 24 years old, while serving our country near the Iraq-Syria border, Sergeant Edmundson's vehicle struck an improvised explosive device, an IED. The blast caused catastrophic injuries that fundamentally changed the course of his life. By the grace of God, Sergeant Edmundson survived.
Today, years later, Sergeant Edmundson and his family continue navigating the lasting effects of injuries sustained in service to our country. Their experiences remind us of an important reality: Military service often creates responsibilities carried not only by veterans but by entire families.
Simply put, H.R. 6047 strengthens support for catastrophically injured veterans, caregivers, surviving spouses, and military families. The Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act consists of several important provisions.
Section 2 increases compensation for catastrophically injured veterans requiring regular in-home care. If you are that veteran at home, navigating daily care, appointments, adaptive equipment, and financial strain associated with severe service-connected injuries, this legislation provides approximately $10,000 annually in additional support. That support helps offset costs that families experiencing such burdens carry every day.
Section 3 strengthens support available to caregivers and military families. If your spouse, parent, child, or loved one helps care for you each day, this legislation recognizes an important reality: Military service often affects entire families.
Section 4 ensures these reforms are implemented effectively.
Section 5 expands eligibility requirements for Guard and Reserve servicemembers by reducing qualifying Active-Duty requirements for VA home loan eligibility. If you are a Guard or Reserve servicemember at home, this legislation expands opportunities for homeownership and helps more military families achieve the American Dream.
Mr. Speaker, finally, the rule before us provides consideration of the Smithsonian American Women's History Museum Act, introduced by my colleague, Nicole Malliotakis of New York, one of the most respected members of the House Republican Conference.
The vision for the Smithsonian American women's history museum is straightforward but important: to preserve, research, and share the stories, experiences, and contributions of women whose leadership, sacrifice, and service built our country.
On December 27, 2020, President Trump signed legislation into law, taking an important step toward making that vision a reality. That reflected something many Americans already understand: The story of our country cannot be fully told without the stories of the women who shaped it.
While Congress and President Trump established a path forward for the museum, the project stalled because one important piece remained unfinished: The museum still does not have a permanent home on The National Mall because the original law prohibited it from being located within the Reserve. The Smithsonian American Women's History Museum Act helps complete that work.
Mr. Speaker, all of us can think of women whose strength, sacrifice, and example led us to who we are today: a mother, grandmother, teacher, mentor, leader, or someone whose example shaped our own story.
In many ways, these stories became part of our country's story, too. For generations, American women shaped our country through military service, public service, education, science, innovation, leadership, and sacrifice. That is why Congress must act.
Mr.
Teresa Leger Fernandez (D-NM)11:20 a.m.
Mr. Speaker, I yield myself such time as I may consume.
President Trump has not used his first 18 months in office to reduce costs or end foreign wars like he promised--quite the opposite. Last week, he said he doesn't "think about Americans' financial situation."
His priorities have never been the American people. His administration's priorities are the Trump name, his wealth, his war, and his profits. Everything he does costs Americans more money and more pain.
Let's recap the administration's actions in just the last few days. They created a $1.8 billion slush fund to pay off January 6 insurrectionists, who beat law enforcement officers in this very building. Taxpayers will foot that bill. Trump toured his dream ballroom that will cost taxpayers at least $1 billion. He traded stocks worth up to $750 million and then promoted the companies he bought.
We are in the 82nd day of Trump's war that is costing Americans over a billion dollars a day. Because of his war, gas prices have skyrocketed to $4.55 a gallon. Farmers are going bankrupt, and Americans can't afford groceries.
Trump gets away with all of this because House Republicans stand hip to hip with him. House Republicans' bills this week are proof, once again, that Trump calls the shots in this House.
Some of these bills had bipartisan promise, but Republicans poisoned them. For instance, for more than a decade, a bipartisan group of our colleagues fought to establish the women's history museum and put it on The National Mall. Women led this fight. We worked across the aisle because of our shared belief that women's history is integral to our Nation's story. Then, after decades of working together on building both a women's history museum and a Latino history museum on The National Mall, Republicans suddenly changed the bill.
The White House directed Republicans to amend the bill, so Trump and his ballroom committee could determine what the museum looks like, where it should be placed, and even what we can talk about in the women's museum.
Yesterday in the Rules Committee, I asked the Republican chair of the House Administration Committee why he gave Trump this control. He refused to answer my questions because there is no good reason.
Before they hijacked the museum, 127 Democrats proudly cosponsored that bill. Now 146 Members of Congress have signed a letter opposing it until it is restored to its original version. These Members--these Members want us to tell a story of how women marched, protested, and were jailed so that they could vote and the story of women who fought in our Revolutionary War and continue to defend our country today.
Women deserve to be the ones to tell our story, not Trump and his ballroom buddies.
My colleagues should reject this partisan bill and return to the original, bipartisan version that honors the diverse contributions that women made to this country. One man should not dictate what women's history looks like.
This rule also makes in order two bills from the Veterans' Affairs Committee. Democrats and Republicans agree that we should increase benefits for disabled veterans and their surviving family members. These soldiers gave their limbs, vision, and mobility for our Nation. We owe veterans the benefits that truly reflect their sacrifice. But we should reject Republicans' choice to pay for those benefits by making it more expensive for veterans to stay in their homes.
That is what the Republicans' Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act does. It pays for the needed increases in disability benefits by making housing more expensive for veterans. Republicans' choices are all wrong.
Now is not the time to make housing harder to get when, thanks to Trump's war, tariffs and inflation, mortgage rates are averaging at 6.75 percent, the highest rate since last July; when gas and utility bills are skyrocketing; and when more than 10,000 veterans have lost their homes since Trump's administration shut down a VA program that helped veterans avoid foreclosure. There are another 90,000 veterans currently behind on their mortgages or in the foreclosure process who, thanks to Trump's administration, won't be able to use that program.
Now more than ever, we should make it easier for veterans to keep their homes. Yet, instead of pushing back against Trump's attacks on veterans' housing, Republicans chose to make housing more expensive.
Republicans have the money for tax breaks for billionaires but not veterans' housing, money for a White House ballroom but not veterans' housing, money for a $1.8 billion slush fund but not veterans' housing. Those are Republicans' priorities, and they are all wrong.
Mr. Speaker, I reserve the balance of my time.
There was no objection.
There was no objection. Trump's VA Killed a Home Loan Program. Vets Are Now Losing Their Homes Because of It
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More than 10,000 veterans lost their homes to foreclosure since May of last year, when the Trump administration shut down a key safety net in the VA home loan program, according to the latest industry data. That is the highest pace of foreclosures for VA loans in a decade.
Another 90,000 vets are heading toward foreclosure. This comes after a years-long debacle inside the Department of Veterans Affairs has whiplashed thousands of vets between various enacted and canceled programs and left many of them on the brink of losing their homes--often through no fault of their own.
A loan backed by the VA is considered one of the most valuable benefits for military service members and has helped millions achieve homeownership. But for nearly a year now, vets have had worse protections and options than most other homeowners if they fall behind.
"We should have something in place to try to stem people from losing their homes," said Steve Sharpe, an attorney with the nonprofit National Consumer Law Center.
The Trump administration was warned this would happen.
The roots of the crisis go back to a mistake made during the Biden administration, when the VA abruptly shut down a pandemic assistance program while thousands of vets were still in the middle of it. Struggling homeowners who used the program to skip some mortgage payments suddenly had to pay those payments back all at once--an unaffordable burden for many of them. After an NPR investigation exposed the problem, the VA halted foreclosures for a year while it rolled out a fix.
Republicans in Congress, citing costs, wanted to kill that fix and replace it with something else. But last spring, the mortgage industry warned that shutting down the program without first replacing it would be a disaster.
"Foreclosure. Period. That's really where it's gonna come to," warned Elizabeth Balce, representing the Mortgage Bankers Association, at a hearing in March of 2025 before the House Committee on Veterans' Affairs.
Less than two months later, the Trump administration shut down the rescue program anyway.
Since then, more than 10,000 veterans have lost their homes through foreclosure sales, according to ICE Mortgage Technology, which tracks such data.
It's unclear how many of those veterans could have avoided foreclosure through the rescue plan, called VASP, or the VA Servicing Purchase program. But mortgage industry insiders told NPR it's clear that some of those vets had enough disability pay or other income and would have been able to keep their homes had VA not shut down VASP with virtually no warning.
VA officials did not respond to NPR's questions about why the agency shut down VASP without first replacing it with anything else.
Meanwhile, 90,000 more veterans are currently behind on their mortgages or in the foreclosure process. The VA now says it's coming out with a new program that could help many of those vets, but it still won't be up and running for months.
Housing and industry groups warn that the new program, when it is finally operational, could still leave those vets with worse options than other homeowners, and push their monthly payments up by hundreds of dollars a month.
For Leann Ledford, one of the hardest things right now is that she's been here before and fought her way out. "When you lose your home, your house, nothing else matters," she said.
Ledford's husband is a Marine who was hurt in Afghanistan. He has PTSD and a brain injury. It took a long time to get through the VA's red tape to approve his disability pay, and in the meantime, his condition got so bad he couldn't work.
"At first, we didn't know whether it was a stroke or a seizure or what was going on," Ledford remembers.
She had to stop working to care for her husband, and then they couldn't afford rent. The couple ended up living out of a trailer hitched to their truck, with their young son, for six months while they waited for his disability paperwork to go through.
But then they got back on their feet. They even bought a house in January 2021 with a loan backed by the VA.
That's just what the VA loan is supposed to be--a life-changing benefit to give veterans a leg up into the middle class and homeownership.
The house is right across the street from the neighborhood's public school. "So our son started at the elementary school," which, Ledford said, has been a "huge relief."
"Since my husband hasn't been able to drive, you know, I have to manage everything," she said.
As both she and her husband's stress levels fell, his symptoms improved. And their son has had a stable home. "He's been able to live over half his life in our house now, and he doesn't remember all the bad years 'cause he was too little," Ledford said.
But just a year after they bought their house, a cascade of actions by the Department of Veterans Affairs entangled them, and thousands of others, in a years-long ordeal where they weren't permitted to pay their mortgage. That's now pushed them into foreclosure and the brink of eviction.
"We didn't know that the foreclosure sale went through until somebody knocked on the front door," Ledford said.
For the Ledfords, this all started back in 2022 after they had to replace their furnace and were hit with other costly home repairs. Their lender, Freedom Mortgage, told them they could get help from what was called a mortgage forbearance. The COVID-era program would let them pause making payments.
"They told us it was for a year, and they would check in after six months," Ledford said. "And then we would just pick up our payments at the end of the year . . . It felt like such a relief for us."
She says Freedom told her the skipped payments would then be moved to the back of her loan term, to be paid later when they refinanced or sold the house.
In the wake of the pandemic, millions of Americans with other types of federally backed mortgages took advantage of such forbearance programs.
But then, in October of 2022, the Biden administration shut down a key part of the VA's forbearance program that had enabled the skipped payments to be deferred.
As a result, tens of thousands of veterans like the Ledfords were told they suddenly needed to pay that year's worth of payments in a lump sum.
"And we're like, wait a minute, what?" Leann Ledford recalled.
That would have been tens of thousands of dollars, which they, and most veterans in the program, couldn't afford. Or, they would have to accept a refinanced loan at the current, much higher interest rates. Rates had sharply risen from around 3% to 7%, and that new loan would have raised the Ledfords' payment by about $1,000 a month. They couldn't afford either option.
After NPR reported in late 2023 that 40,000 vets like the Ledfords had been trapped this way, with no affordable way to get current on their loans, the VA halted foreclosures across the country for a year while it rolled out a rescue program.
Once it was finally up and running by early 2025, the VA's rescue program, VASP, was starting to save large numbers of vets and their families from foreclosure. It gave more than 33,000 veterans who were behind on their payments new, low-cost mortgages with an interest rate of 2.5%.
But only months after VASP was fully functional and helping vets on that scale, the Trump administration had taken office and killed it. On May 1, 2025, amid fear of the potential cost, the VA abruptly did away with this safety net, giving mortgage servicers and even its own VA staff just one-week's notice. Vets who were already enrolled would keep those low-cost, affordable loans. But the door was slammed shut for any more veterans.
The Ledfords and other vets who needed the help hadn't managed to get enrolled yet.
"I found out that [VASP] was ending and I called the VA loan technician and they didn't even know yet," said Ledford. "They had to go figure out what was going on."
Mortgage companies told NPR back then that they were scrambling to enroll as many vets as they could, but the abrupt closure of the program caught them off guard.
Many veterans were hurt in a different way, too. After VASP was shut down, vets who didn't get enrolled in time felt they had no choice but to accept the offer of a loan modification, even though the higher interest rate meant punishingly higher payments.
Army vet Jon Henry, from Kansas City, Mo., wound up in a modified loan with monthly payments that are $380 higher than his original mortgage.
"It's a struggle," said Henry, who served in Iraq during the first Gulf War in a unit meant to counter chemical warfare attacks. "Especially with everything else being inflated in the country, you know, with groceries, gas . . . I'm like, what the hell?"
Henry, who lives outside Kansas City, Mo., fell behind on his mortgage after losing his job managing a manufacturing plant. He's working again now and just needed to catch up on his payments.
Veterans who've fallen behind on their loans are in a worse position than most nonveteran homeowners. Mortgages backed by the government through Fannie Mae, Freddie Mac or FHA all have emergency options for delinquent borrowers that don't raise their interest rate or monthly payment. But that's not true anymore for veterans with loans backed by the VA.
Mortgage rates have been between 6% and 7% over the past 10 months since VASP shut down. That means the other option for a VA loan, a loan modification, often sharply raises the monthly payment because many vets originally got their loans when rates were lower. Many veterans have to choose between selling their house, getting foreclosed on, or accepting a much higher-cost mortgage.
"It hurts paying $3,200 a month," Shante Benfatto told NPR. She served in Afghanistan and is rated 100% disabled by the VA. She and her husband fell behind on payments when he was between jobs. They say they tried for months to get into the VASP program but that their lender didn't get all their paperwork together before the VA suddenly shut it down. After receiving letters threatening foreclosure, the Benfattos reluctantly accepted a new modified mortgage with payments about $300 a month higher than their original loan.
"We're paying late because we can't afford to pay the extra money until the end of the month, until she gets her disability," said her husband, Mark. The late fees add an additional $105 to their monthly mortgage bill.
Some vets have seen their payments go up by a lot more.
Jerome Thomas, an Air Force vet in Port Charlotte, Fla., got hit with a payment that's $800 higher every month. His interest rate more than doubled to 6.8%. He said his lender told him he either had to agree to that or get foreclosed on, so he says he felt forced into the higher-cost loan.
"I told them I can't afford to pay it," Thomas, who's lived in his house for 10 years, told NPR. And as he predicted, he's now behind on that modified loan and is receiving letters warning he's headed into foreclosure. "I got my three kids in here, I've got the wife, she's a teacher . . . it's bad."
Even when the Trump administration's new loan program is up and running, it won't help vets like Thomas, Benfatto, or Henry who were already forced to accept loans with higher interest rates. It won't lower their payments back down to where they were before. In theory, some vets could refinance if mortgage rates drop sharply, but rates have been rising again.
The Trump administration's new program, when it's up and running, will work by allowing vets to take their missed payments and move them to the back of their loan term. So they'll get to keep their current mortgage and interest rate. That should be a big help to vets who have a relatively low rate.
There's a qualifier in the current draft.
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The way it's written, the VA is telling mortgage companies that if a new, modified loan at a higher interest rate only raises a veteran's monthly payment by up to 15%, they must place vets into that more costly loan.
So a veteran with a $2,000 monthly mortgage payment could still be pushed into a modified loan that raises their payment by up to $300 a month. And they wouldn't be given the option of moving their missed payments to the back of their loan and keeping their original, lower-cost mortgage.
The mortgage industry is telling the VA that that doesn't make any sense.
"As drafted, Veterans will continue to have worse options than similarly situated non-Veterans," Pete Mills, an executive with the Mortgage Bankers Association, wrote in a letter to the VA.
"Payment reduction is the most important driver of modification performance, and the current policy will lead to higher redefault rates," Mills said. The association, along with housing groups, is recommending that the VA put a loan with a higher payment at the very bottom of its so-called waterfall of options for homeowners who are behind on payments.
"The VA should restructure the waterfall to only allow increased monthly payments as a last resort," Mills said.
Housing advocates are also pushing the VA to ask the mortgage industry to hold off foreclosing on vets until its new program gets up and running in a few months. That would buy time for the tens of thousands of vets who are already behind on their loans or in the foreclosure process.
"We're talking about a heck of a lot of folks," said Sharpe, with the National Consumer Law Center.
It's already too late for Leann Ledford, her combat-disabled husband and their 10-year-old son in Spokane, Wash. Freedom Mortgage sold their house in a foreclosure sale, and it's now owned by the VA and they're being told they need to leave.
Ledford's husband has spiraled. He's having seizures again, and the issue made him so stressed that he didn't want to be interviewed for this story. "It has really impacted him, and he is really struggling," she said.
The VA said in a statement that it has helped thousands of vets to avoid foreclosure, but didn't offer specifics. VA press secretary Pete Kasperowicz wrote, "Per federal law, VA's home loan program is based on the premise that while Veterans may need some assistance, they must generally be able to make their mortgage payments."
The Ledfords, who receive $3,971 a month in Ledford's husband's disability pay, say they could have afforded mortgage payments under the VASP program. And they could have afforded their original mortgage with its $1,447 monthly payment, had VA's new
program been up and running and allowed them to move their missed payments to the back of their loan term. But because VA killed VASP before standing up the new program, they were stranded without either option.
"VA worked tirelessly with the Ledford family to help keep them in their home. However, they were nearly four years behind on their mortgage payment, and the decision to foreclose on their mortgage was made by Freedom Mortgage," Kasperowicz said. Freedom Mortgage declined repeated requests for an interview or statement.
That VA statement ignores the fact that the Ledfords, like many other vets, were in a bureaucratic quagmire resulting from the VA's own missteps. Because their lender now considered them far enough behind on their mortgage, it would not let them resume monthly payments--a standard industry practice. So, they were told to just keep applying for help through a loss mitigation process that dragged on for years and in the end, never offered them any actual assistance.
The VA did not respond to questions about whether it could do anything to save the Ledfords from losing their home, since the VA now owns it following the foreclosure sale. The only offer from VA so far was $3,500 to vacate the house in what's known as "cash for keys."
The Ledfords have been told that to get even that much help, they need to vacate their home by April 3.
In its written statement, the VA said it stands ready to assist the Ledfords with health care services as needed.
There was no objection.
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The Senate Judiciary and Homeland Security and Governmental Affairs (HSGAC) Committees released draft reconciliation legislation for Fiscal Year (FY) 2026 late last night. The Congressional Budget Office (CBO) estimates the bill would add $72 billion to the deficit over the next decade--or about $94 billion with interest.
The reconciliation bill would appropriate $72 billion for various functions in FY 2026, allowing the funding to be obligated at any point through 2029. Although the stated goal is to replace ordinary appropriations over that time period, the lack of guardrails on when the money is appropriated could lead the money to be spent more quickly, creating the need or demand for future additional appropriations.
Of further concern, at least $7.5 billion of the total--$5 billion available at the Homeland Security Secretary's discretion, $1.5 billion available at the Attorney General's discretion, and $1 billion available for the U.S. Secret Service for the East Wing Modernization Project--appears to be above and beyond normal appropriations.
Homeland Security & Governmental Affairs Committee, $32.5 billion:
Customs and Border Protection, $22.3 billion.
Immigration and Customs Enforcement, $7.5 billion.
Homeland Security Department, $2.5 billion.
Judiciary Committeee, $39.2 billion:
Immigration and Customs Enforcement, $30.7 billion.
Customs and Border Protection, $3.5 billion.
Homeland Security Department, $2.5 billion.
Justice Department, $1.5 billion.
U.S. Secret Service, $1.0 billion.
Total, $71.7 billion.
Memo: Deficit Increase with Interest (2026-2035), $94.1 billion.
Memo: Deficit Increase with Interest, assuming appropriations offset (2026-2035), $9.3 billion.
In total, we estimate the bill would add $94 billion to deficits over the next decade with interest.
To avoid potential increases in the debt and put a down payment on deficit reduction, policymakers should remove extraneous provisions from the bill and fully offset the funding in this bill. They should also put in place discretionary spending caps that account for this mandatory spending and work to further reduce deficits.
There was no objection.
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Americans Sour on Trump Over Inflation and the Iran War
Two new polls show President Donald Trump's approval ratings sliding as Americans sour on the war in Iran and grow increasingly worried about inflation and the economy.
The figures increase the likelihood that Republican candidates will be dragged down by Trump in the upcoming midterm elections, which could grant Democrats control of Congress.
Nearly a year and a half into Trump's second term, a new New York Times/Siena poll of 1,507 registered voters released Monday found that 50% would vote for the Democratic candidate in their district if an election occurred today--up from 48% in January and 47% in September of last year.
The Times poll showed that Trump's approval rating has hit a second-term low of 37%, as a conclusive end to the deeply unpopular war with Iran continues to elude him.
Meanwhile, a CBS poll released Sunday found that 63% of 2,064 voters disapprove of
Trump--with 52% strongly disapprove of his performance in office.
The drop in approval is particularly stark with certain voting groups who helped deliver his 2024 victory--including Latino voters, independents, and young voters who swung significantly towards Republicans. Yet, the Times poll shows that 71% of Hispanic respondents, 70% of independents and 76% of voters ages 18-29 disapprove of Trump's job. In the 2024 election, Trump won 48% of the Hispanic vote, 48% of the independent vote, and 39% of the 18-29 vote.
Gas prices surged and inflation has accelerated in the months since the war began on Feb. 28, with consumer prices reaching three-year high of 3.8% by the end of April, according to the Consumer Price Index on May 12. Average U.S. gas prices have risen to around $4.50 per gallon.
Americans in the survey report being hit hard by inflation and deeply worried about the economy.
Both polls were conducted last week as Trump came under fire for telling reporters that Americans' economic pain is not his concern when it comes to the war with Iran--"not even a little bit."
"I don't think about anybody. I think about one thing: We cannot let Iran have a nuclear weapon. That's all," he told reporters on May 13.
In 2024, Trump ran--and won--on his affordability policies and his promise that a vote for him would mean lower grocery bills.
While presidential approval ratings are usually an indicator of how well the party will do in midterms, the polls showed frustration with Democrats too--only 26% of the Times poll's respondents said they were satisfied with the party.
Here are the issues most affecting Trump's support among voters.
The CBS poll found that 66% of respondents disapprove of the way Trump is handling the situation with Iran, and 61% disapprove of all military action against it.
Sixty-eight percent say that the Trump Administration has not clearly stated its goals in Iran, and the majority of respondents don't seem to believe that the war has helped U.S. economic interests. More respondents believe it has helped the U.S.'s military and strategic interests.
Republicans approve of Trump's handling of the war with a whopping 79%, but 96% of Democrats disapprove.
Congress came closer than it had previously to passing a congressional War Powers Resolution last week that would rein in Trump's ability to continue the war with Iran, with three Republican senators breaking with their party to vote for the measure.
Similarly, the New York Times poll found that 63% of voters--including 27% of Republicans--believe the president should not be able to use military force unless it is approved by Congress.
Only 40% of respondents in the Times poll believe that the war will be either somewhat or very successful at eliminating Iran's nuclear program, while 50% believe it will be unsuccessful. If the U.S. cannot soon reach a deal to eliminate the country's nuclear program, 52% say that the U.S. should not resume military action.
Months after Trump authorized the U.S. military to capture and remove Venezuelan President Nicolas Maduro in a military raid, 70% of Times respondents also said it was not justified to use military force to overthrow hostile governments unless they pose an "immediate threat."
trump is facing his worst approval ratings on the economy in his second term
Both polls reflect Americans' growing economic anxiety as
gas prices and grocery prices continue to surge. The closure
of the Strait of Hormuz, the Trump Administration's tariff
regime, and fragile supply chains have raised prices across
the board.
According to the CBS poll, 73% of respondents disapprove of
the way Trump is handling inflation, and the majority have a
deteriorating view of the American economy: 65% characterize
the economy as "uncertain" and 63% as "struggling."
Around half of respondents said Trump's policies will likely
make the U.S. economy worse in the long term--and 65% believe
it will be worse in the short term.
The numbers represent Trump's worst approval rating on the
economy in his second term, a significant shift given it is
an issue long seen as his political bedrock.
In the Times poll, the number of Americans who describe the
U.S. economy as "poor" has risen by 11 percentage points
since the start of the year, and while a majority of
Republicans--63%--still approve of Trump's handling of
inflation, that number is well down from a 74% approval in
March.
In their personal finances, 57% said Donald Trump's
policies are making them financially worse off, and 77% say
their income is not keeping up with inflation. In the New
York Times poll, 44% of voters said his policies had hurt
them personally, up from 36% last fall.
Ms. LEGER FERNANDEZ. Mr. Speaker, the new polling data and the story show that Americans have caught on. Republicans promised to lower costs on day one. Where are costs? Up.
Gas is up. Groceries are up. Inflation is up. Look at the numbers. America is hungrier and sicker, deeper in debt, and deeper in war than the day Donald Trump took office.
The nationwide average for gas is $4.55 a gallon. That is $1.35 higher than last year. For families in Santa Fe, Farmington, or Roswell, in my district, that means filling up your pickup truck costs $147.
Do you know how many times we have to fill up our trucks to be able to get around our district to check on the cattle, to deliver feed, to actually just maybe even take the trash to the dump? We use our trucks, and they are costing us so much money just to fill up, let alone how much it takes when we get to that grocery store and buy those groceries that cost so much. From meat to poultry to everything else in between, it is more expensive because of the policies of the Trump administration.
Are we addressing that? No.
I think I can quote Donald Trump. His quote was: "I don't think about Americans' financial situation. I don't think about anybody."
Clearly. The 57 percent of the people who now say his economic policies have made their families worse off, who is thinking about them?
Millions of American families have been kicked off their health plans. Healthcare premiums have risen constantly because of decisions that Republicans have made that have been signed into law by President Trump that he trumpeted.
Mr. Speaker, 88 percent of the largest corporations, including Tesla, paid zero, nada, in Federal income tax last year, thanks to Trump and Republicans' tax giveaway in the One Big Beautiful Bill Act.
Their billionaire-first policies are driving up costs for American families at the fastest rate in years, and it is affecting everybody, including our veterans.
Republicans said they would lower costs. Instead, they raised them through the roof. Now, our families are paying for their incompetence and greed.
Mr. Speaker, I reserve the balance of my time.
Text printed in the Record (1,228 characters)
In section 2, insert "and the amendment specified in section 5 of this resolution" after "accompanying this resolution".
At the end of the resolution, add the following new section:
"Sec. 5. The amendment referred to in section 2 of this resolution is as follows:
Page 5, strike line 20 and all that follows through page 6, line 10 and insert the following: (and redesignate accordingly):
SEC. 3. REDUCTION OF ESTATE TAX EXEMPTION.
In the case of estates of decedents dying or gifts made
during the period beginning on the date of the enactment of
this Act and ending on December 31, 2031, section
2010(c)(3)(A) of the Internal Revenue Code of 1986 shall be
applied by substituting `$14,500,000' for `$15,000,000'.".
Mr. JACK. Mr. Speaker, I yield back the balance of my time, and I move the previous question on the resolution.
The SPEAKER pro tempore. The question is on ordering the previous question.
The question was taken; and the Speaker pro tempore announced that the ayes appeared to have it.
Ms. LEGER FERNANDEZ. Mr. Speaker, on that I demand the yeas and nays.
The yeas and nays were ordered.
The SPEAKER pro tempore. Pursuant to clause 8 of rule XX, further proceedings on this question are postponed.