Foreclosing the lien follows State or local procedure
To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to take certain actions in the case of a default on a home loan guaranteed by the Secretary, and for other purposes, section 3, Sec. 3.
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Foreclosing the lien follows State or local procedure
The document says “shall”Who acts: the United StatesHow: statuteSec. 3 in the PDF
What the document says
“Notwithstanding section 2410(c) of title 28, an action to foreclose a lien held by the United States arising under a partial claim made under this section shall follow foreclosure procedures in accordance with State or local law where the property involved is located.”
An action to foreclose the lien the partial claim creates runs under the law of the State or locality where the property sits. The provision sets itself against section 2410(c) of title 28, United States Code, which is not indexed here.
What the document actually says
“Notwithstanding section 2410(c) of title 28, an action to foreclose a lien held by the United States arising under a partial claim made under this section shall follow foreclosure procedures in accordance with State or local law where the property involved is located.”
That sentence, in plain words
To act on its claim, the VA uses the rules of the state where the house is.
What this is about
Each state has its own steps for taking a home. The VA follows the local ones, not a national set.
No action is recorded against this proposal. That is not evidence that none has been taken, and nobody has yet read it against the record. See what the tracker does not yet cover.
VA Home Loan Program Reform Act, Public Law 119-31, sec. 3, 139 Stat. 476 (2025). https://www.govinfo.gov/content/pkg/PLAW-119publ31/html/PLAW-119publ31.htm
This page
“Foreclosing the lien follows State or local procedure,” VA Home Loan Program Reform Act, section 3, Sec. 3. Read the Mandate, https://readthemandate.org/va-home-loan-program-reform-act/proposal/sec03-foreclosure-follows-state-law/ (retrieved October 10, 2026).
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