WHAT THE LAW DOINCongress, in plain words

The law › Title 38, Veterans' Benefits › Chapter 37

38 U.S.C. 3729: Loan fee

Created in 1982 by Public Law 97-253. Changed by 37 later laws. 1 bill in this Congress would change it.

4 other sections of the Code cite this one, including 38 U.S.C. 2041, 38 U.S.C. 3703, 38 U.S.C. 3722, 38 U.S.C. 3734.

This Congress

  • H.R. 10590 Veteran Owner-Builders Rights Act · introduced · would change (b)

How it got here

2025

  • Pub. L. 118–210, §503, substituted "June 9, 2034" for "November 29, 2031" wherever appearing in table. (Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act) Law text · (b)
  • Pub. L. 118–210, §231(f), substituted "3762(h)(1)" for "3762(h)". (Senator Elizabeth Dole 21st Century Veterans Healthcare and Benefits Improvement Act) Law text · (b)

2024

  • Pub. L. 118–83 substituted "November 29, 2031" for "November 15, 2031" wherever appearing in table. (Continuing Appropriations and Extensions Act, 2025) Law text · (b)

2023

  • Pub. L. 118–19 substituted "November 15, 2031" for "November 14, 2031" wherever appearing in table. Law text · (b)

2022

  • Pub. L. 117–328 substituted "November 14, 2031" for "January 14, 2031" wherever appearing in table. (Consolidated Appropriations Act, 2023) Law text · (b)

2021

  • Pub. L. 117–76 substituted "January 14, 2031" for "October 1, 2030" wherever appearing in table. (Responsible Education Mitigating Options and Technical Extensions Act" or the "REMOTE Act) Law text · (b)
  • Pub. L. 116–315, §2103, substituted "October 1, 2030" for "October 1, 2029" wherever appearing in table. (Johnny Isakson and David P. Roe, M.D. Veterans Health Care and Benefits Improvement Act of 2020) Law text · (b)
  • Pub. L. 116–315, §2102(1), amended subpar. (D) generally. Prior to amendment, subpar. (D) read as follows: "The term 'initial loan' means a loan to a veteran guaranteed under section 3710 or made under section 3711 of this title if the veteran has never obtained a loan guaranteed… (Johnny Isakson and David P. Roe, M.D. Veterans Health Care and Benefits Improvement Act of 2020) Law text · (b)
  • Pub. L. 116–315, §2102(2), substituted "that is not an initial loan" for "if the veteran has previously obtained a loan guaranteed under section 3710 or made under section 3711 of this title". (Johnny Isakson and David P. Roe, M.D. Veterans Health Care and Benefits Improvement Act of 2020) Law text · (b)
  • Pub. L. 116–283 substituted "air, or space service" for "or air service". (William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021) Law text · (c)

2020

  • Pub. L. 116–154 added loan fee table and struck out former loan fee table which set out amounts of fees per loan type. Law text · (b)

2019

  • Pub. L. 116–23, §6(b), added loan fee table and struck out former loan fee table which set out amounts of fees per loan type. (Blue Water Navy Vietnam Veterans Act of 2019) Law text · (b)
  • Pub. L. 116–23, §6(c), substituted ", from a surviving spouse" for "or from a surviving spouse" and inserted ", or from a member of the Armed Forces who is serving on active duty and who provides, on or before the date of loan closing, evidence of having been awarded the Purple Hear… (Blue Water Navy Vietnam Veterans Act of 2019) Law text · (c)

2018

  • Pub. L. 115–182 substituted "2028" for "2027" wherever appearing in table. (John S. McCain III, Daniel K. Akaka, and Samuel R. Johnson VA Maintaining Internal Systems and Strengthening Integrated Outside Networks Act of 2018" or the "VA MISSION Act of 2018) Law text · (b)

2017

  • Pub. L. 115–46 substituted "September 30, 2027" for "September 30, 2024" wherever appearing in table. (VA Choice and Quality Employment Act of 2017) Law text · (b)

2014

  • Pub. L. 113–146 substituted "September 30, 2024" for "October 1, 2017" wherever appearing in table. (Veterans Access, Choice, and Accountability Act of 2014) Law text · (b)

2012

  • Pub. L. 112–154, §702(b), substituted "October 1, 2017" for "October 1, 2016" wherever appearing in table. (Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012) Law text · (b)
  • Pub. L. 112–154, §210, amended par. (2) generally. Prior to amendment, par. (2) read as follows: "A veteran who is rated eligible to receive compensation as a result of a pre-discharge disability examination and rating shall be treated as receiving compensation for purposes of this … (Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012) Law text · (c)

2011

  • Pub. L. 112–37 substituted "November 18, 2011" for "October 1, 2011" wherever appearing in table. (Veterans Health Care Facilities Capital Improvement Act of 2011) Law text · (b)
  • Pub. L. 112–56, §265(a)(1), substituted "October 1, 2016" for "November 18, 2011". Law text · (b), (iv)
  • Pub. L. 112–56, §265(a)(2)(A), substituted "October 1, 2016" for "November 18, 2011". Law text · (b)
  • Pub. L. 112–26, §3(a)(1), substituted "October 1, 2011" for "January 1, 2004" and substituted "3.30" for "3.00" in two places. Law text · (b)
  • Pub. L. 112–56, §265(a)(2)(B)–(D), redesignated cl. (iv) as (ii), substituted "October 1, 2016" for "October 1, 2013", and struck out former cl. (ii) which listed loan fees of 2.80 percent in the first two table columns for a subsequent loan described in section 3710(a) to pu… Law text · (b)
  • Pub. L. 112–26, §3(a)(2), substituted "October 1, 2011, and before October 1, 2012" for "January 1, 2004, and before October 1, 2011" and substituted "2.80" for "3.30" in two places. Law text · (b)
  • Pub. L. 112–56, §265(a)(2)(B), struck out cl. (iii) which listed loan fees of 2.15 percent in the first two table columns for a subsequent loan described in section 3710(a) to purchase or construct a dwelling with 0-down, or any other subsequent loan described in section 371… Law text · (b)
  • Pub. L. 112–26, §3(a)(3), substituted "October 1, 2012" for "October 1, 2011". Law text · (b)
  • Pub. L. 112–56, §265(a)(2)(C), redesignated cl. (iv) as (ii). Law text · (b)
  • Pub. L. 112–56, §265(a)(3), (4), substituted "October 1, 2016" for "November 18, 2011" wherever appearing. Law text · (b), (D)

2010

  • Pub. L. 111–275 inserted "or active service pay" after "retirement pay". (Veterans' Benefits Act of 2010) Law text · (c)

2004

  • Pub. L. 108–454 designated existing provisions as par. (1) and added par. (2). (Veterans Benefits Improvement Act of 2004) Law text · (c)

2003

  • Pub. L. 108–183 amended par. (2) generally, revising table by adding cls. (iii) and (iv) of subpars. (A) and (B) and changing dates in subpars. (A) and (B). (Veterans Benefits Act of 2003) Law text · (b)

2001

  • Pub. L. 107–14 made technical amendment to Pub. L. 106–419. See 2000 Amendment note below. (Veterans' Survivor Benefits Improvements Act of 2001) Law text
  • Pub. L. 107–103, §405(c), substituted "October 1, 2011" for "October 1, 2008" wherever appearing in table. (Veterans Education and Benefits Expansion Act of 2001) Law text · (b)
  • Pub. L. 107–103, §406, inserted "who is eligible under section 3702(a)(2)(E) of this title" before period. (Veterans Education and Benefits Expansion Act of 2001) Law text · (b)

2000

  • Pub. L. 106–419, as amended by Pub. L. 107–14, amended text generally, substituting present provisions for provisions which established loan fee, set fee as 1.25 percent of total loan amount, with exceptions, provided that amount of fee may be included in loan amount and paid from proceeds thereof,… (Veterans Benefits and Health Care Improvement Act of 2000) Law text

1998

  • Pub. L. 105–368, §602(e)(1)(D)(ii), substituted "(c)" for "(c)(1)". (Veterans Programs Enhancement Act of 1998) Law text · (a)
  • Pub. L. 105–368, §603(b), designated existing provisions as subpar. (A), substituted "during the period specified in subparagraph (B)" for "after September 30, 1993, and before October 1, 2002,", and added subpar. (B). (Veterans Programs Enhancement Act of 1998) Law text · (a)
  • Pub. L. 105–368, §603(e)(1)(D)(i), struck out "(1)" before "A fee may not" and struck out pars. (2) and (3) which read as follows: (Veterans Programs Enhancement Act of 1998) Law text · (c)

1997

  • Pub. L. 105–33, §8032(1)(A), struck out "or 3733(a)" after "section 3711". (Balanced Budget Act of 1997) Law text · (a)
  • Pub. L. 105–33, §8032(1)(B)–(D), added subpar. (F). (Balanced Budget Act of 1997) Law text · (a)
  • Pub. L. 105–33, §§8012(1), 8032(2), substituted "October 1, 2002" for "October 1, 1998" and "(E), or (F)" for "or (E)". (Balanced Budget Act of 1997) Law text · (a)
  • Pub. L. 105–33, §8012(2), substituted "October 1, 2002" for "October 1, 1998". (Balanced Budget Act of 1997) Law text · (a)

1996

  • Pub. L. 104–275 substituted "3712(a)(1)(F), or 3762(h)" for "or 3712(a)(1)(F)". (Veterans' Benefits Improvements Act of 1996) Law text · (a)

1994

  • Pub. L. 103–446 inserted "3710(a)(11)," after "3710(a)(9)(B)(i),". · (a)

1993

  • Pub. L. 103–66, §12007(c), substituted "paragraphs (4) and (5)" for "paragraph (6)" in introductory provisions. · (a)
  • Pub. L. 103–66, §12007(a), (b), added pars. (4) and (5) and struck out par. (6) which read as follows: "With respect to each loan closed during the period beginning on November 1, 1990, and ending on September 30, 1991, each amount specified in paragraph (2) of this subsecti… · (a)

1992

  • Pub. L. 102–547, §5(1), inserted "(other than section 3712(a)(1)(F))" after "section 3712". · (a)
  • Pub. L. 102–547, §2(b)(1), added subpar. (D). · (a)
  • Pub. L. 102–547, §5(2), added subpar. (E). · (a)

1991

  • Pub. L. 102–83, §5(a), renumbered section 1829 of this title as this section.
  • Pub. L. 102–83, §5(c)(1), substituted "3733(a)" for "1833(a)". · (a)
  • Pub. L. 102–83, §5(c)(1), substituted "3711 or 3733(a)" for "1811 or 1833(a)" and "3712" for "1812" in subpar. (A) and "3712(a)" for "1812(a)" in subpars. (B) and (C). · (a)
  • Pub. L. 102–54, §15(a)(3), redesignated par. (5) as (3) and struck out former pars. (3) and (4) which read as follows: · (a)
  • Pub. L. 102–83, §5(c)(1), substituted "3714" for "1814". · (b)
  • Pub. L. 102–83, §5(c)(1), substituted "3725(c)" for "1825(c)". · (c)
  • Pub. L. 102–54, §15(a)(4), substituted "clause (A) or (B) of paragraph (2) of section 1825(c) of this title or paragraph (3) of that section" for "section 1825(c)(2)(A) or (B) of this title and subsection (a)(3) of this section". · (c)

1990

  • Pub. L. 101–508, §8032(1), substituted "Except as provided in paragraph (6) of this subsection, the amount" for "The amount". · (a)
  • Pub. L. 101–508, §8032(2), added par. (6). · (a)

1989

  • Pub. L. 101–237, §303(a), amended section generally. Prior to amendment, section read as follows:
  • Pub. L. 101–237, §313(b)(1), substituted "Secretary" for "Administrator" wherever appearing. · (a)
  • Pub. L. 101–239 substituted "September 30, 1990" for "September 30, 1989". · (c)

1988

  • Pub. L. 100–322 substituted "section 1814" for "section 1817A". · (d)

1987

  • Pub. L. 100–198, §2(b), substituted "of any veteran (including a person who died in the active military, naval, or air service) who died from a service-connected disability" for "described in section 1801(b)(2) of this title". · (b)
  • Pub. L. 100–198, §2(a), and Pub. L. 100–203, amended subsec. identically, substituting "September 30, 1989" for "September 30, 1987". · (c)
  • Pub. L. 100–198, §10(c), added subsec. (d). · (d)

1984

  • Pub. L. 98–369, §2511(a)(1), inserted "and from each person obtaining a loan from the Administrator to finance the purchase of real property from the Administrator," after "under this chapter,", struck out "one-half of" before "one percent of the total loan amount", and struck out "to … · (a)
  • Pub. L. 98–367, §2511(a)(2), (3), redesignated subsec. (d) as (c) and substituted "September 30, 1987" for "September 30, 1985". Former subsec. (c), which related to deposit of fees collected under this section into Treasury as miscellaneous receipts, was struck out. · (c), (d)

Text, outline and history from the official U.S. Code (2024 edition) on GovInfo, published by the Office of the Law Revision Counsel. Changes made after that edition appear under This Congress.