{
  "legislationId": "119_HR_8056",
  "lastUpdate": "2026-04-13T14:30:34.838Z",
  "history": [
    {
      "timestamp": "2026-04-13T14:30:34.838Z",
      "source_url": "https://www.congress.gov/119/bills/hr8056/BILLS-119hr8056ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8056 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8056 To expand credentialed, personalized financial and housing counseling to members of the Armed Forces serving on active duty or transitioning from service, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 24, 2026 Ms. McDonald Rivet (for herself and Mr. Harrigan) introduced the following bill; which was referred to the Committee on Armed Services _______________________________________________________________________ A BILL To expand credentialed, personalized financial and housing counseling to members of the Armed Forces serving on active duty or transitioning from service, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Military Financial Literacy Act of 2026''. SEC. 2. EXPANSION OF PERSONALIZED FINANCIAL AND HOUSING COUNSELING FOR MEMBERS OF THE ARMED FORCES. (a) In General.--Section 992 of title 10, United States Code, is amended-- (1) in subsection (a)(1)-- (A) by redesignating subparagraphs (D) and (E) as subparagraphs (E) and (F), respectively; and (B) by inserting after subparagraph (C) the following new subparagraph: ``(D) practices relating to financial management, home buying and selling, renting during changing permanent station, rental planning, home loans available through the programs of the Department of Veterans Affairs, and other financial services that are routinely offered to private sector home loans;''; (2) by redesignating subsection (d) through (f) as subsections (e) through (g), respectively; and (3) by inserting after subsection (c) the following new subsection: ``(d) Individualized Financial and Housing Counseling.--(1) Not later than one year after the date of the enactment of this subsection, the Secretary of Defense shall establish a program in accordance with this section and Department of Defense Instruction 1322.34, or any successor guidance, to provide one-on-one counseling tailored to the needs of each member of the armed forces on the following topics: ``(A) Credit management. ``(B) Budgeting. ``(C) Anti-predatory lending practices. ``(D) Changes of permanent station and rental planning. ``(E) Home loans available through the programs of the Department of Veterans Affairs. ``(F) Protections under the Servicemembers Civil Relief Act (50 U.S.C. 3901 et seq.) and section 987 of this title. ``(2) For the purposes of carrying out paragraph (1), the Secretary shall seek to enter an agreement with a counseling service organization that-- ``(A) is a HUD-approved counseling agency (as defined in section 106(h) of the House and Urban Development Act of 1968 (12 U.S.C. 1701x(h))); ``(B) is organized as a tax-exempt entity under section 501(c)(19) of the Internal Revenue Code of 1986, defined by the Internal Revenue Service as a Veteran Service Organization serving the military-connected community; ``(C) has expertise in financial literacy, housing stability, and home loan benefits for veterans; and ``(D) is capable of developing, administering, maintaining, and providing specialized training and certification for HUD- Certified Housing Counselors serving members of the armed forces, veterans, and their families.''. (b) Regulations.--The Secretary of Defense may prescribe such regulations as are necessary to carry out the amendments made by subsection (a). (c) Report.--Not later than 2 years after the date on which the services required under subsection (d) of section section 992 of title 10, United States Code, as added by subsection (a), are established, the Secretary of Defense shall submit to the Committees on Armed Services of the Senate and the House of Representatives a report on the implementation of such services, including-- (1) the number of members of the Armed Forces who received counseling for housing stability, home loan benefits for veterans, or rental planning; (2) the rate of completion of the counseling services offered under the pilot program; and (3) indicators of financial stress and housing instability for members of the Armed Forces participating in the pilot program and any metrics for mitigating risks to the members participating. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Military Financial Literacy Act: Personalized Housing and Finance Counseling for Troops\nSummary: This bill provides active-duty and transitioning service members with one-on-one financial and housing counseling. It aims to help military families manage debt, navigate home buying, and understand their legal protections.\nKey Points: Personalized one-on-one counseling on budgeting and credit management., Guidance on VA home loans and rental planning during permanent station changes., Protection against predatory lending practices and information on legal rights., Specialized training for counselors to better serve the needs of military families.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-13T14:06:08.987Z",
      "source_url": "https://www.congress.gov/119/bills/hr8056/BILLS-119hr8056ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8056 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8056 To expand credentialed, personalized financial and housing counseling to members of the Armed Forces serving on active duty or transitioning from service, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 24, 2026 Ms. McDonald Rivet (for herself and Mr. Harrigan) introduced the following bill; which was referred to the Committee on Armed Services _______________________________________________________________________ A BILL To expand credentialed, personalized financial and housing counseling to members of the Armed Forces serving on active duty or transitioning from service, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Military Financial Literacy Act of 2026''. SEC. 2. EXPANSION OF PERSONALIZED FINANCIAL AND HOUSING COUNSELING FOR MEMBERS OF THE ARMED FORCES. (a) In General.--Section 992 of title 10, United States Code, is amended-- (1) in subsection (a)(1)-- (A) by redesignating subparagraphs (D) and (E) as subparagraphs (E) and (F), respectively; and (B) by inserting after subparagraph (C) the following new subparagraph: ``(D) practices relating to financial management, home buying and selling, renting during changing permanent station, rental planning, home loans available through the programs of the Department of Veterans Affairs, and other financial services that are routinely offered to private sector home loans;''; (2) by redesignating subsection (d) through (f) as subsections (e) through (g), respectively; and (3) by inserting after subsection (c) the following new subsection: ``(d) Individualized Financial and Housing Counseling.--(1) Not later than one year after the date of the enactment of this subsection, the Secretary of Defense shall establish a program in accordance with this section and Department of Defense Instruction 1322.34, or any successor guidance, to provide one-on-one counseling tailored to the needs of each member of the armed forces on the following topics: ``(A) Credit management. ``(B) Budgeting. ``(C) Anti-predatory lending practices. ``(D) Changes of permanent station and rental planning. ``(E) Home loans available through the programs of the Department of Veterans Affairs. ``(F) Protections under the Servicemembers Civil Relief Act (50 U.S.C. 3901 et seq.) and section 987 of this title. ``(2) For the purposes of carrying out paragraph (1), the Secretary shall seek to enter an agreement with a counseling service organization that-- ``(A) is a HUD-approved counseling agency (as defined in section 106(h) of the House and Urban Development Act of 1968 (12 U.S.C. 1701x(h))); ``(B) is organized as a tax-exempt entity under section 501(c)(19) of the Internal Revenue Code of 1986, defined by the Internal Revenue Service as a Veteran Service Organization serving the military-connected community; ``(C) has expertise in financial literacy, housing stability, and home loan benefits for veterans; and ``(D) is capable of developing, administering, maintaining, and providing specialized training and certification for HUD- Certified Housing Counselors serving members of the armed forces, veterans, and their families.''. (b) Regulations.--The Secretary of Defense may prescribe such regulations as are necessary to carry out the amendments made by subsection (a). (c) Report.--Not later than 2 years after the date on which the services required under subsection (d) of section section 992 of title 10, United States Code, as added by subsection (a), are established, the Secretary of Defense shall submit to the Committees on Armed Services of the Senate and the House of Representatives a report on the implementation of such services, including-- (1) the number of members of the Armed Forces who received counseling for housing stability, home loan benefits for veterans, or rental planning; (2) the rate of completion of the counseling services offered under the pilot program; and (3) indicators of financial stress and housing instability for members of the Armed Forces participating in the pilot program and any metrics for mitigating risks to the members participating. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Wsparcie finansowe i mieszkaniowe dla żołnierzy: nowe doradztwo i pomoc\",\n  \"pl_summary\": \"Ustawa wprowadza indywidualne doradztwo finansowe i mieszkaniowe dla żołnierzy w służbie czynnej oraz kończących służbę. Pomoże im to lepiej zarządzać budżetem, unikać nieuczciwych pożyczek i sprawniej kupować lub wynajmować domy.\",\n  \"pl_key_points\": [\n    \"Indywidualne spotkania z doradcami w sprawach budżetu i zarządzania kredytami.\",\n    \"Pomoc w korzystaniu z pożyczek mieszkaniowych dla weteranów (VA) oraz planowaniu wynajmu.\",\n    \"Ochrona przed nieuczciwymi praktykami pożyczkowymi i wsparcie prawne dla żołnierzy.\",\n    \"Wsparcie przy przeprowadzkach związanych ze zmianą miejsca pełnienia służby.\"\n  ],\n  \"eng_ai_title\": \"Military Financial Literacy Act: Personalized Housing and Finance Counseling for Troops\",\n  \"eng_summary\": \"This bill provides active-duty and transitioning service members with one-on-one financial and housing counseling. It aims to help military families manage debt, navigate home buying, and understand their legal protections.\",\n  \"eng_key_points\": [\n    \"Personalized one-on-one counseling on budgeting and credit management.\",\n    \"Guidance on VA home loans and rental planning during permanent station changes.\",\n    \"Protection against predatory lending practices and information on legal rights.\",\n    \"Specialized training for counselors to better serve the needs of military families.\"\n  ],\n  \"de_ai_title\": \"Finanzielle Bildung für Soldaten: Individuelle Beratung zu Wohnen und Finanzen\",\n  \"de_summary\": \"Dieses Gesetz führt eine persönliche Finanz- und Wohnraumberatung für aktive und ausscheidende Soldaten ein. Es unterstützt sie bei der Budgetplanung, dem Hauskauf und dem Schutz vor betrügerischen Krediten.\",\n  \"de_key_points\": [\n    \"Einzelberatung zu Kreditmanagement und Haushaltsplanung.\",\n    \"Unterstützung bei VA-Immobiliendarlehen und der Mietplanung bei Standortwechseln.\",\n    \"Schutz vor räuberischen Kreditpraktiken und Aufklärung über gesetzliche Rechte.\",\n    \"Zusammenarbeit mit zertifizierten Organisationen für spezialisierte Veteranenhilfe.\"\n  ],\n  \"fr_ai_title\": \"Soutien financier et au logement pour les militaires : nouveaux conseils personnalisés\",\n  \"fr_summary\": \"Cette loi instaure un programme de conseil individuel en finance et en logement pour les militaires en service ou en transition. Elle vise à sécuriser leurs finances personnelles et à faciliter l'accès à la propriété.\",\n  \"fr_key_points\": [\n    \"Entretiens individuels sur la gestion du budget et du crédit.\",\n    \"Aide pour les prêts immobiliers aux anciens combattants (VA) et la planification des locations.\",\n    \"Protection contre les pratiques de prêt abusives et information sur les droits légaux.\",\n    \"Accompagnement spécifique lors des changements d'affectation et des déménagements.\"\n  ],\n  \"es_ai_title\": \"Ley de Educación Financiera Militar: Asesoría Personalizada en Vivienda y Finanzas\",\n  \"es_summary\": \"Esta ley ofrece asesoramiento financiero y de vivienda individualizado para militares en activo o que dejan el servicio. Busca mejorar la gestión de deudas, facilitar la compra de casas y proteger contra préstamos abusivos.\",\n  \"es_key_points\": [\n    \"Asesoría personalizada sobre presupuestos y manejo de crédito.\",\n    \"Orientación sobre préstamos hipotecarios para veteranos (VA) y planificación de alquileres.\",\n    \"Protección legal contra prácticas de préstamos predatorios y abusivos.\",\n    \"Apoyo técnico durante los traslados de servicio y cambios de residencia.\"\n  ],\n  \"it_ai_title\": \"Supporto finanziario e abitativo per i militari: consulenza personalizzata e tutele\",\n  \"it_summary\": \"La legge introduce consulenze individuali su finanze e casa per i militari in servizio o in congedo. L'obiettivo è aiutare le famiglie dei soldati a gestire i risparmi e ad acquistare casa in sicurezza.\",\n  \"it_key_points\": [\n    \"Incontri individuali su gestione del credito e bilancio familiare.\",\n    \"Assistenza per i mutui agevolati per veterani (VA) e supporto per l'affitto.\",\n    \"Difesa contro i prestiti a tassi usurari e informazione sui diritti dei militari.\",\n    \"Supporto nella ricerca di soluzioni abitative durante i trasferimenti di servizio.\"\n  ],\n  \"nl_ai_title\": \"Financiële steun voor militairen: Persoonlijk advies over wonen en geld\",\n  \"nl_summary\": \"Deze wet regelt individueel financieel- en huisvestingsadvies voor militairen in actieve dienst of bij uitdiensttreding. Het helpt hen bij het beheren van budgetten, het kopen van een huis en bescherming tegen woekerleningen.\",\n  \"nl_key_points\": [\n    \"Eén-op-één begeleiding bij budgettering en kredietbeheer.\",\n    \"Hulp bij woningleningen voor veteranen (VA) en huurplanning bij overplaatsing.\",\n    \"Bescherming tegen misleidende leenpraktijken en uitleg over wettelijke rechten.\",\n    \"Gespecialiseerde training voor adviseurs om militairen en hun gezinnen beter te helpen.\"\n  ],\n  \"pt_ai_title\": \"Apoio financeiro e habitacional para militares: aconselhamento personalizado e proteção\",\n  \"pt_summary\": \"Esta lei cria um programa de aconselhamento individual sobre finanças e habitação para militares no ativo ou em transição. O objetivo é ajudar na gestão do orçamento familiar e na compra de casa própria.\",\n  \"pt_key_points\": [\n    \"Sessões individuais sobre gestão de crédito e orçamento pessoal.\",\n    \"Orientação sobre empréstimos habitacionais para veteranos (VA) e planeamento de aluguer.\",\n    \"Proteção contra práticas de empréstimo abusivas e direitos legais dos militares.\",\n    \"Apoio especializado durante mudanças de posto e transferências de serviço.\"\n  ],\n  \"category\": [\"Benefits\", \"Real Estate\", \"Security\"]\n}"
    }
  ]
}