The correction log

The two rebuttal sets are merged into one Rebuttal Index, and the site is prepared for public launch. The page formerly titled Myth vs. Record carried fourteen entries numbered R-01 onward, while a fuller drafted index used PR numbering; the two answered several of the same questions differently. They are reconciled into a single canonical index of 29 entries, PR-01 through PR-29. Twenty-two entries whose citations are locked publish now at the Rebuttal Index; seven are listed there as in preparation, each with the reason, and publish when their citation, capture, or review completes. The old page now redirects to the index and its R numbers are retired, never reused. Sitewide in the same pass: a skip-to-content link, a main-content landmark and a language attribute were added to every page after an audit found the accessibility statement claimed a standard the pages did not meet; the masthead star is now marked decorative so screen readers read the wordmark clean; the analysis claim label is standardized to PROJECT ANALYSIS in 30 places where two older labels survived; navigation on every page now points at the Rebuttal Index; and the remaining em dash in visible copy, on the share card, is removed. The citation register grew from 58 to 139 registered links; the 81 new rows carry URL-derived titles pending confirmation and are flagged as such in the register. Affected: every page, rebuttals (new), the-script (retired), data-methods, sources data, domain. The site’s canonical domain changes from vaforeclosureaction.org, registered to a coalition partner and hosted outside this project’s control, to veteransforeclosurecrisis.org, registered and administered by this project. The singular spelling redirects to the plural. Links to the old domain continue to resolve for as long as its owner maintains it. Also in this pass: the claims register on the Evidence page, previously wired to a page runtime that was removed in July, is now rendered directly from data/claims.csv, all 58 claims, so the register of record and the page can no longer disagree; the office-by-office tracker’s non-functional controls are replaced with a note until the tracker renders from a dated register; and the remaining inert runtime scaffolding is removed from every page.

Three pages promised a data pipeline that is not built yet. The Timeline chronology was headed “the chronology, one source for the whole site” and told readers “every dated event on this site renders from one file, so no two pages can disagree.” The Policy chronology and the News record carried versions of the same claim, including “adding one row updates every page that uses it.” None of it is true today: the dated content on those pages is set in the page, and data/timeline.csv and data/news.csv are registers of record that do not yet render anything. The claim was disproved on this site the same day it was found, when the Policy chronology said six of the ten handbook criteria are absent from the statute while the register said seven. Two pages did disagree. All three strings now state the actual position: the entries are set in the page, each with its own source, and the register becomes the render source in the next build. Every page with hardcoded dated content also carries a source-of-record comment in its markup saying editing the CSV changes nothing, so the code and the copy now agree. Affected: timeline, policy, news.

The Policy & Fiscal archive is retired: its four sections are now integrated into the page, and the stale figures inside them are corrected. Three sections carried forward from the earlier site had been sitting below the page in an “archive, carried forward” block with a note saying they would be integrated later. They now sit in the page’s own structure: the authority chronology closes Part 1, and “Why resuming payments does not solve it” and “Why the cost argument runs the same in both directions” sit beside the arguments they support in Part 2. The archive wrapper, the “carried forward from the earlier version of this site” lines and the pending-integration note are removed, and the page index lists every section in page order, including the new statute and handbook finding. Four figures inside those sections were out of date and are corrected: the retired Section 3(h) day counter (“Day 302 unexercised”) is replaced with the plain statement that no § 3737(h) guidance has been published; the Partial Claim safety-net row said “not running, 289 days later, VA target June 2026” and now states available and live June 15, 2026, not required of servicers until November 28, 2026; the Emergency Housing Voucher row moves from “funding running out March 2026” to “funding ran out in March 2026”; and GAO-26-107517 is cited at 174,045 veterans, matching every other page. One count is reconciled: the chronology entry said six of the ten handbook criteria do not appear in the statute, against seven elsewhere. Seven is correct, and the chronology and data/timeline.csv are corrected. Affected: policy, timeline, timeline data.

A section headline attached a health care exchange to the loan portfolio, and three share links pointed at another organization’s domain. On the Accountability Tracker, the section built on the VA Chief Financial Officer’s May 20, 2026 testimony was headed “what the Department does not know” with a plain line reading “the portfolio data the VA does not have.” The exchange concerns the structure of health care spending accounts. It is not a statement about the VA home loan portfolio, and presenting it as one would have been a misattribution. The kicker, headline and plain line now scope it to health care accounting, and the section carries an explicit scope note. The speaker is confirmed as Assistant Secretary for Management and Chief Financial Officer Richard F. Topping. Separately, two Facebook and LinkedIn share links in the Data & Methods link register carried a separate organization’s GitHub Pages address, which does not belong on this site’s surfaces; both now pointed at vaforeclosureaction.org, the hub domain at that time. Affected: watch, data-methods.

The attribution now names the cohort before the compiler, the held-claim label drops its em dashes, and four pages carry new findings. The footer and About attribution previously led with the founder. It now leads with the group: Veterans Foreclosure Crisis is a veteran and family led group of veterans, spouses, caregivers and family members directly affected by the crisis, with the compiler credited beneath it. The co-lead line appears on About and site credits only, because the compiler line is the correct credit on documents, briefs and filings. The claim label UNVERIFIED · HELD is renamed from UNVERIFIED, HELD, using the middot that is house style elsewhere on the site; the semantics are unchanged and the value is updated in the colour map and the Evidence filter at the same time. Section dividers now run on Policy, What Is Happening, Timeline, Myth vs. Record, Get Help, Take Action and the Accountability Tracker, and every section on those pages follows one order: tag, headline, plain-language line, body, collapsed detail. New findings published: the statute and handbook comparison on Policy, the launch and required-availability gap on What Is Happening, the 2023 and 2024 moratorium precedent and the VASP availability arithmetic on Timeline, and five entries on Myth vs. Record. Affected: policy, current-status, timeline, the-script, help-now, action, watch, evidence, about, data-methods, corrections.

Every key finding now leads its section instead of closing it. The KEY FINDING blocks were placed where the synthesis panels they replaced had sat, at the foot of each section, after the evidence. That is a conclusion, and it buried the point: a reader had to work through the record before reaching the sentence that says what the record means. All seven now sit at the top of their section, directly after the headline and the plain-language line and before the evidence. Moved on Accountability (two), Policy & Fiscal, and What Is Happening; the blocks on Get Help and Data & Methods were already in that position. No finding was reworded, with two exceptions made necessary by the move: two labels read “Key finding, read together” and one body opened “Read together, these are not competing claims,” both of which pointed backwards at material that now sits below them, so the backward reference is removed and the sentences stand as written. The placement is now part of the rule on Data & Methods and in the component itself, so it holds for every future use. Affected: corrections, current-status, data‑methods, policy, watch, vfc-web-ds.css

Four different treatments were doing the job of one, so critical findings did not read as critical. There is now a single signal for it. The site had been marking its synthesis blocks, the ones that say what a section adds up to, four different ways: a solid black panel, a grey panel with a crimson top rule, a white panel with a crimson top rule, and an inline “Project analysis:” prefix. A reader cannot learn a signal that is not consistent. All of them are now one component, KEY FINDING: white ground, a crimson bar down the left edge, the words spelled out, and the block's own content label kept alongside it. It is used at most once per section. Converted on Accountability (two), Policy & Fiscal (two), What Is Happening, Get Help and Data & Methods. No wording was changed in any of them, except on What Is Happening, where the inline “Project analysis:” prefix was removed because the label chip above it now says the same thing. Why crimson is not reserved for critical information: it is already the general accent, on links, kickers, section rules and label outlines, so reserving it would mean stripping it from all of those first. Instead the new block spends two properties that were unused, enclosure and type size, and crimson keeps its existing job. To stop the new bar competing with existing ones, crimson left bars elsewhere are demoted to ink: four stylesheet classes covering eleven uses, plus single bars on What Is Happening (two), the hub and Timeline. The funnel diagram on Policy & Fiscal keeps its crimson because the border runs all the way round it and is not a signal. Accessibility: checked against our stated WCAG 2.1 AA working standard. Crimson on white is 5.65:1 and on paper 4.99:1, both clearing the 4.5:1 body-text minimum; the bar clears the 3:1 non-text minimum against both grounds. The signal never rests on colour alone, so it holds for the roughly one man in twelve with red-green colour vision deficiency, for whom the hue changes but the lightness does not. Two greys considered for the demoted bars were rejected for failing 3:1, and ink was used instead because it is already an established bar colour in the system and adds no new value to the locked palette. The rule is now written on Data & Methods and on Accessibility. Affected: accessibility, corrections, current-status, data‑methods, help‑now, index, policy, timeline, watch, vfc-web.css, vfc-web-ds.css

Pre-publication audit: the displaced-family figure updated, one family de-identified, a private address removed, and the em dash retired site-wide. A full nine-sweep audit was run across all 22 pages before publication. The figure: every place the site stated 10,000+ veteran families already foreclosed on as a current fact now reads 15,000+, attributed to Sen. Blumenthal, Senate Veterans’ Affairs Committee, May 20, 2026. Two dated citations are deliberately unchanged, the NPR and ABA Banking Journal reports of April 2, 2026, which said 10,000+ and were accurate as dated; the same applies to the April 2 entry on Timeline and to the figure quoted inside the May 26 congressional letter, where the letter’s own number is kept and the current figure is given alongside it. De-identification: a cohort family’s surname appeared as case content in five places across Take Action, Timeline, Get Help and the Accountability Tracker, twice paired with a city, and one demand of a named member was framed around that single family’s matter rather than the cohort. All six are rewritten to state the cohort or the state only. This project makes cohort-level demands and does not seek a result in any individual family’s case, and the pages now match that rule. A private family email address published on Get Help is replaced with the project inbox. Named public participation is unaffected: Leann Ledford and Chuck Tyler are named as project leads, and the MS NOW clip is now captioned with her name rather than described obliquely, since she gave it on camera. The credit line for Chuck Tyler on About now reads as he confirmed it, and an unconfirmed American Legion post attribution has been removed from the Evidence chronology. A personal handle carried over from an old README is removed from Data & Methods. House style: 764 em dash characters are replaced with a period or a comma, no words added or removed; the last nine were inside the claim label, which was a taxonomy value shared with claims.csv and could not be renamed on the page alone; it was renamed across all three places on July 29, 2026 and is now UNVERIFIED · HELD. Five remaining uses of “campaign” as self-description are now “project”; uses inside third-party URLs, inside other organisations’ campaign names, and inside this log’s own record of the earlier rename are left as written, because changing them would falsify the record. Also corrected: the source register listed 36.4803 in its rule-text set where 36.4809 belongs; every other 36.4803 citation on the site is correct, cites subsection (d) for the capacity test, and is unchanged. Two author notes that had reached published copy are rewritten as reader guidance. Twenty-six carried-forward archive sections had a kicker and a headline but no plain-language line; one sentence has been added to each, written from that section’s own content, with no existing text altered. What is deliberately not changed: the repeated blocks flagged across pages, which are the standing note, the footer and the archive preamble and are intentional; the “PROJECT ANALYSIS” label as quoted inside this log, because the live label was already renamed to PROJECT ANALYSIS on July 25 and the quotation is the record of that change; and the hardcoded dates on Timeline, News, Policy & Fiscal, Accountability and What Is Happening, which are correct but are not yet read from data/timeline.csv. Affected: about, accessibility, action, corrections, current-status, data‑methods, evidence, First 72 Hours, for‑reporters, help‑now, index, news, One‑Pager, policy, share‑safely, the‑script, timeline, toolkit, watch, cohort map.

C048 was published with a limit line that argued against the claim’s own relevance. The February 2024 quotation. “I have concerns now, and I do not care who is in the White House, because this affects our veterans and is not political”, was first published with a limit saying it recorded “the framing at that hearing and nothing about later positions.” That was the wrong instruction to give a reader. The words are a standard, stated on the record by the chair of the subcommittee with jurisdiction, about the exact question this record turns on: whether VA has authority to keep veterans in their homes. Withholding it from the rest of the record is not neutrality, it is subtraction. C048 now publishes the standard as a standard, with the surrounding objection quoted in full and in context. That VA had no statutory authority for a below-market-rate modification, that the chair had “very little confidence” in VA’s ability to administer the program, and that VA was “simply making this up”, followed by the dated fact that the same program was terminated eleven months later on roughly eight days’ notice. The limit now states what it should have stated from the start: this project applies that standard to the entire record, before and after January 2025, and to every party in it. What the limit still refuses is unchanged and deliberate: this project does not characterize any member’s motives or later positions. What each party said and when is on News & Record and the Accountability Tracker, dated and sourced, and readers can weigh it against the standard themselves. Two receipts published from the transcript (S056): the page carrying the authority question and VA’s answer naming 38 U.S.C. §3732 and 38 C.F.R. 4320, and the later page carrying the rate exchange in full. Two further captures of the same passages were not published as duplicative. Affected: policy, evidence (C048), claims.csv, receipts.

The February 2024 hearing transcript is now a source of record. S056 added with its docs.house.gov link: the full transcript of the House Veterans’ Affairs Subcommittee on Economic Opportunity hearing of February 15, 2024 (Hearing 118-53). Three claims rest on it, and a new section on Policy & Fiscal reproduces the exchange. C047: asked to “provide us right now with specific authorities outlined in statute,” VA’s Executive Director of Loan Guaranty Service named them, “38 USC 3732, as an authorization for VASP, as well as our current regulation at 38 CFR 4320”, three months before the April 2024 launch materials already cited at C023, together with VA’s figure of 40,000 borrowers and its six-month payment protocol on modifications. C049: the rate on a modification was already the argument in February 2024, and from the opposite direction, the subcommittee pressed VA on whether veterans might “intentionally default in order to receive a lower payment,” and VA answered that almost 90% of its portfolio sat at a 2–1/2 to 3 percent coupon rate. C048: the chair’s framing that day, quoted in full: “I do not care who is in the White House, because this affects our veterans and is not political.” What is deliberately not published: any characterization of how members’ positions changed afterwards, and any attribution of motive to a named member or Secretary. C048’s limit line states that it records the framing at that hearing and nothing about later positions. The quotation is published because the question it raises, whether VA had authority to act, is the same question this record turns on after the replacement was terminated. C049’s limit states that the hearing records a policy argument and is not evidence about what any servicer offered any borrower; community-reported accounts of market-rate modification offers stay under their own label and are not merged with it. Affected: data‑methods (S056), evidence (C047–C049), policy, sources.csv, claims.csv.

Chapter 22 citations repointed; the June 1 final-policy date is confirmed, not changed. A pre-launch source audit flagged M26-4 Chapter 22 as possibly still in draft. We checked, and it is not. VA published the final Chapter 5 and Chapter 22 policy on June 1, 2026 and says so in its own words: servicers “have 180 days to implement, from the date the final policy was published on June 1, 2026” (VA servicer FAQ). The error was in our citation, not in the fact. Every Chapter 22 reference on this site pointed at the drafting-table draft PDF, a document whose own header still reads “February XX, 2026.” Corrected: S006 and S013 now cite the official publication instrument, the VA Manual M26-4 Transmittal Sheets, Changes 13 and 14, which VA posted to its KnowVA Knowledge Base rather than issuing as a circular; the servicer FAQ is added as S025. Also corrected: the November 28, 2026 servicer deadline runs 180 days from the June 1 publication, not from the June 15 launch. One proposed finding, that no 2026 circular implements the program, and that this showed it was “available, not implemented”, was tested against the record and dropped before publication: VA implemented by handbook transmittal, not by circular, so the absence of a circular proves nothing. The launch-vs-implementation gap stands on its own evidence, now cited to VA’s own FAQ. Affected: data‑methods (S006, S013, S025), evidence, news, news data, sources.csv.

A direct quotation was pointed at a source that does not contain it, and the section overstated what it had. In “One set of veterans, set against another” on the Accountability Tracker, the VFW quotation, disability compensation as “an obligation of the nation, not a source of savings to fund unrelated priorities”, carried a pointer to S041, the Congress.gov bill record for H.R. 9237. A bill record cannot be the source of a VFW statement, and no VFW or DAV source row exists in the register at all. The pointer is removed and the row is marked citation being pinned, with a note that the quotation is carried from the block above and is not yet treated as cited. The quotation had been on the page unsourced before this; pointing it at the wrong source made it worse, not better. Two related overstatements corrected in the same block: it claimed “every line is quoted from a source already in this register” when two of five were not. It now states that three are cited and two are pending, and the FACTUAL ANALYSIS paragraph said “members of both parties” objected on the record when the only member quoted objecting is the ranking member of the House committee; it now says so. No figure, claim or source was otherwise changed. Affected: watch.

“One set of veterans, set against another” added to the Accountability Tracker, built entirely from quotation. The pay-for section now carries five reported lines: the bill’s own financing (S041C058); the VFW on disability compensation as “an obligation of the nation, not a source of savings to fund unrelated priorities,” with DAV also opposing; Rep. Takano’s case against the home loan fee increase (citation being pinned); the Mortgage Bankers Association telling VA its framework could leave veterans “substantially worse” off than Fannie, Freddie or FHA borrowers (S026); and the House Veterans’ Affairs majority describing the program that had been keeping veterans in their homes as “created for political purposes” (S059C055). Every line is quoted from a source already in this register, and the section says so at the top: this project adds no characterisation of anyone’s motives. The closing paragraph is labelled PROJECT ANALYSIS and states the pattern the quotations establish, one group of veterans asked to fund another while the families already foreclosed on are told there is no money, without asserting intent. Also fixed on the same page: the new section was missing from the in-page index and is now listed; a duplicate DOCUMENTED FACT chip at section level was removed, since the card beneath carries its own; the moved block now shows its claim ID, published as C058 with the offsets recorded and the site’s reading kept separate; and the masthead and print footer moved to July 26, 2026. Affected: watch, evidence, claims.csv.

The pay-fors moved to the Accountability Tracker. The block documenting how the Take Care of America’s Veterans Act (H.R. 9237 / S. 4744) is financed, the IRRRL funding fee rising from 0.5% to 1.42%, the loan-assumption fee doubling, roughly $8,000 added over the life of an average loan, and an estimated $57 billion in future disability-rating cuts under Section 108, now sits on the Accountability Tracker under “What they chose to charge veterans for,” beside the members who advanced it. It had been filed under the fiscal case on Policy & Fiscal, which framed it as a budget observation. Who chose the offsets, and while withholding relief on fiscal grounds, is an accountability record: the same fee increase Rep. Takano has carried into the floor debate against the bill. Nothing in the block changed, the figures, the VFW and DAV opposition, the recoupment-test point and the PROJECT ANALYSIS label are as published. Affected: policy, watch.

Three elapsed-time figures on Policy & Fiscal were wrong, and two of them contradicted each other. The February 2024 hearing section said the hearing came “sixteen months before” VASP was terminated in one place and “eleven months later” in another, two different numbers for the same interval, in the same section. February 15, 2024 to May 1, 2025 is about fourteen months; both now read fourteen months and both name the termination date. The independent-analysis section said the July 2024 paper was published “eleven months before Congress created the permanent partial claim”; H.R. 1815 was signed July 30, 2025, which is twelve months. That figure is corrected and now names the date, as does the accompanying ten-month figure for the VASP termination. The same fuzziness had already been corrected once this week in that section’s rail label, and the body copy beneath it was missed. Every elapsed-time figure on the page now states the endpoints it measures. No claim, source or receipt changed. Affected: policy.

The congressional warnings are now in the foreseeability record. Three entries added to “Nobody can say they weren’t warned” on Policy & Fiscal, in date order. April 9, 2025 (S060). Six days after the announcement, the ranking members of Senate Veterans’ Affairs, Senate Banking and House Veterans’ Affairs wrote to Secretary Collins in a letter signed by 22 Democrats and Independents: the closure was “leaving tens of thousands of veterans at risk for foreclosure… We write today to urge you to immediately reverse this decision, and avoid foreclosing on veterans who simply wish to keep paying their mortgage and keep their home.” April 2025 (S061). Rep. Takano put a figure on the exposure: “as many as 80,000 veterans and military families have been stripped of a vital assistance program established to prevent the tragedy of foreclosure.” July 2025 (S062). On passage, the Senate and House committee leaders stated in a bipartisan, bicameral release that the legislation “will assist veterans who are facing financial hardships and provide VA with a tool to better help veterans stay in their homes and avoid foreclosure.” Published as C057, whose limit line states these are the members’ own statements quoted as made, that the 80,000 figure is Rep. Takano’s and is not adopted here or merged with the cohort tiers, and that what the record establishes is that the foreseeable consequence was put to the Department in writing, by the committees of jurisdiction, within days. Affected: policy, evidence, data‑methods (S060–S062), sources.csv, claims.csv.

An addition to the Blumenthal row was wrong on date, subject and chamber; corrected and now sourced. The Accountability Tracker briefly said Sen. Blumenthal “co-led the Senate advocacy for the partial-claim authority through the summer of 2025” and “cosponsored the legislation that created it.” Three errors: the advocacy in question was April 9, 2025, not the summer; its subject was the termination of VASP, not the pending partial-claim bill; and a senator cannot cosponsor a House bill, so the cosponsorship clause was impossible as written. The row now records what the record shows: he co-led the April 9, 2025 letter with Sen. Warren and Rep. Takano, signed by 22 Democrats and Independents, pressing Secretary Collins to reverse the VASP termination, “urge you to immediately reverse this decision, and avoid foreclosing on veterans who simply wish to keep paying their mortgage and keep their home.” Published as S060 and attached to the row, which previously carried no source. Separately, the statement that Rep. Takano has made the VA home loan fee increase central to his case against H.R. 9237 is retained and marked citation being pinned. It does not rest on the June 23 Rules Committee video already cited on that row. Also corrected, and stated precisely: markup placed inside this page’s tracker data strings rendered as literal text on the page. The one-line removal that fixed it ran across the whole file and also deleted five </strong> closing tags in the servicer-readiness directory, leaving unbalanced markup: each unclosed tag swallowed the block content after it, so the “Partial-claim status” label rendered at a different weight in every row. Those five closers are repaired. An earlier version of this entry said emphasis had been “restored” on three figures, the June 15, 2026 standup commitment, the 15,000+ already foreclosed on, and the 180-day servicer runway. That was wrong: those three were additions made at the same time, not restorations, and the emphasis that was actually broken was the directory markup described above. Affected: watch, data‑methods (S060), sources.csv.

Limit lines that disclaimed the accountability they were attached to. Three published limit lines said this project “takes no view” and made “no claim about anyone’s motives.” That was an over-reading of this project’s own sourcing rules, and it worked against the documentation: a limit line exists to state what the evidence establishes and what it does not, not to soften a sourced finding about named officials. Naming members of Congress and agency officials, quoting what they said and when, and measuring the outcome against the standard they set for themselves is oversight documentation. It is not a partisan claim and does not need a hedge. The three lines are rewritten. C055 now says the quoted words and figures are the committee majority’s own, that they establish the standard its authors set for themselves, and that the statement’s characterisation of why VASP was created is the authors’, quoted, not adopted. C056 now says it establishes that the commitment and the outcome diverged and who made the commitment, but not why they diverged, because no cited source speaks to that. The limit line on Policy & Fiscal is revised to say the statement is named because its authors set the standard the section measures. What has not changed: every finding still carries a label, an ID, a source list and a limit; invented motive stays out; and the distinction between the documented record and this project’s reading of it is unchanged. No claim, figure or source was altered. Affected: policy, evidence (C055, C056), claims.csv.

The fiscal-responsibility standard, in the words of the members who set it. Source S059 added: the House Veterans’ Affairs Committee majority’s joint statement of April 3, 2025 on the VASP phase-out. C055 quotes it: the phase-out “underscores House Republicans’ intent to establish a partial claims program at VA to ensure veterans’ can stay in their homes if they’re in financial hardship while still protecting the American taxpayer,” and its background section supplies the arithmetic, “instead of reinstituting the partial claim program for an average loan delinquency of $22,500VA chose to purchase these loans through the VASP program at an average of $292,000” (since risen to $320,000), with a partial claim able to “solve the majority of delinquent loans at a much less expensive clip to the taxpayer.” C056 holds the record against that standard: VASP ended May 1, 2025 on roughly eight days’ notice; the partial claim was authorised July 30, 2025, published June 1, 2026, opened for submissions June 15, and is not required of servicers until November 28, 2026, more than eighteen months, while the Chapter 22 handbook gates exclude families whose default or foreclosure fell inside that window. Two deliberate limits. C055 presents the statement as the majority’s own position and figures; this project takes no view on VASP’s merits or on the characterisation of why it was created. C056 is labelled PROJECT ANALYSIS and compares dated commitments with dated implementation, it makes no claim about anyone’s motives. The section’s limit line was updated accordingly: it previously said two of three official statements were unpinned, which no longer describes what the page cites. Affected: policy, data‑methods (S059), evidence (C055, C056), sources.csv, claims.csv.

C054 described the wrong cohort for the $2.3 billion figure. As first published, the new fiscal-responsibility card read “the 31,500 veterans currently past 90 days.” That conflates two different counts from the same source (S003NCLC to the HVAC Economic Opportunity Subcommittee): 90,000 veterans are 90+ days delinquent, and 31,500, about 35% of them, are in active foreclosure. The two differ by roughly threefold, and the stat grid two blocks above the card on the same page states the split correctly. The card now reads “the 31,500 veteran families currently in active foreclosure,” matching the model’s actual basis and the “Scale it to the crisis” figure it sits beside. The $2.3 billion figure itself is unchanged. It was always modelled on the 31,500, only its description was wrong. Corrected in the same wording in the claim register and in both claims.csv copies, which had committed the error alongside the page. Affected: policy, evidence, claims.csv.

The fiscal-responsibility rebuttal is now stated on the page, as analysis. The argument was implicit across three separate cards, the $2.3 billion scale figure, the servicer incentive schedule, and the REO eviction contract, but the page never joined them. New claim C054, labelled PROJECT ANALYSIS, does: CBO scored the permanent partial claim as a decrease in net direct spending with $294 million in avoided foreclosure-related payments at roughly $27,200 per claim, against this project’s model of about $2.3 billion to foreclose on the 31,500 veterans past 90 days, so each gate that moves a family from partial claim to foreclosure moves federal money to the more expensive outcome. Beside it, a documented-fact card records where money does flow: VA’s regulation caps a successful loss-mitigation outcome at $1,000 and pays its largest incentive for a short sale, while post-foreclosure evictions are filed in the Secretary’s name under a contract worth up to $374.4 million. Sources are all previously registered (S005, S003, S021, S024); no new source rows were needed. The label is PROJECT ANALYSIS, not documented fact, because the conclusion is this project’s reading of the record. Held back: the statements by named officials on cost and program integrity are not quoted here. They are recorded and dated on the Accountability Tracker, and two of the three still lack a Congressional Record or committee-video citation, so the page cites the record it can pin and points to the tracker for the rest, rather than attributing positions to individuals from an unpinned quote. Affected: policy, evidence, claims.csv.

Four revisions to published copy on Policy & Fiscal. One: three of the four buckets under “what counts as help” carried byte-identical copy. All three read “a temporary or lossy outcome, not permanent relief,” which is wrong for two of them. Each now states what happens to the family: a forbearance is a pause with the arrears still owed when it ends; a higher-rate modification keeps the house at a payment higher than the one the family could not pay; a short sale or deed-in-lieu means the family loses the home. The distinction the section exists to draw was blurred by one sentence repeated three times. Two: the hedge opening the foreseeability close, “Warning is not intent, and this site does not allege that anyone set out to foreclose on veteran families. It alleges something narrower and harder to answer”, was removed as unnecessary. The substantive sentence and its C027 reference are unchanged in meaning: the outcome was named in advance, repeatedly, by the people best positioned to see it, and the gap was left open anyway. Three: the page title changed from “What the law says, what we conclude, and what families report” to “The record, the authority, and the cost.” Four: the line “families they processed, not families they saved” moved from the end of the 173,000 section to its lead, and was restyled to match its new position. It had been left in 12px footnote type while sitting in the lead. No claim, source, figure, or limit line changed. Affected: policy.

A copyright note said no images were reproduced, beside an image that was. The 2023 section on Policy & Fiscal carried the line “no page images are reproduced here, unlike the government documents elsewhere on this page.” That was written when this project had decided not to publish any of the news captures for that section. NPR’s foreclosure-index chart was published afterwards, as the cited source for C052, and the note was not updated, so the page asserted something its own adjacent figure disproved. The note now states what is actually published: the two family accounts are quoted briefly under fair use with no article pages reproduced, and NPR’s chart is reproduced as the cited source for C052, credited to NPR and ICE Mortgage Technology. The figure’s caption already carried that credit and the statement that the chart is the cited source rather than this project’s own analysis. No claim, figure, or source changed. Affected: policy.

Policy & Fiscal reorganised into the chronology, and the 2023 gap documented. The page had grown into one long run of thematic sections in no particular order. The 2020 servicer fact sheet sat after the 2025 statute, and the February 2024 hearing sat after 2020 guidance. It is now two parts. Part 1, “The record, in order,” runs 2020 → 2023 → February 2024 → July 2024, each section carrying a dated label. Part 2, “What follows from the record,” holds the standing argument. The authority, what “helped” means, the arithmetic, and foreseeability, which now reads the record above it rather than competing with it. No section content changed in the move. New section for the interim years: the COVID partial claim expired October 28, 2022 and VASP did not launch until May 2024, and the page previously said nothing about what happened in between. Two sources added: S057NPR’s November 2023 investigation, whose analysis of ICE Mortgage Technology data shows the VA active-foreclosure index rising above its 2018 level while FHA and GSE volumes fell; and S058NPR reporting carried by OPB in December 2023, recording a servicer demanding full arrears after VA had announced a pause, a modification that raised a veteran’s payment by $1,300 a month, the pause running only to May 31 2024, and 40,000 VA borrowers then in foreclosure or delinquent. Four claims: C050–C053. Note on receipts: the source screenshots for this section are not reproduced on the page. Every receipt published on this site so far has been a government document, which is not subject to copyright; these are copyrighted news reports, so the section quotes briefly, attributes, and links to the publishers instead. Affected: policy, data‑methods (S057, S058), evidence, sources.csv, claims.csv.

This log had duplicated itself, and the rest of the site still called this a campaign. Two defects, both ours. First: an editing error caused each new entry to be inserted above every existing July 25 entry rather than once, compounding on each pass until this page held 263 entries and 472 KB of repeated text. The log has been rebuilt from the unique entries, in date order, with no content lost, 14 entries, every one of them original. Second: the change from “campaign” to “oversight project” had only been applied to the standing note, leaving the site-wide footer reading “A veteran- and family-led campaign,” the About page headed “About this campaign” directly above a paragraph calling it an oversight project, and self-descriptions on Accessibility, Take Action, For Reporters, Share Safely, the hub and the cohort map. All are corrected. Three uses are deliberately unchanged and flagged for review: the “PROJECT ANALYSIS” claim label, which is a taxonomy value shared with claims.csv and the Evidence filters; the “Campaign” entry type in the News filter; and “Public / campaign lane” on About, which may be an intentional distinction. One further body-prose use was missed on the first pass and corrected immediately after: the Accountability Tracker described prising the leadership trio from reachable rank-and-file members as “the campaign’s central task,” now “this project’s central task.” Affected: about, accessibility, action, cohort‑map, current‑status, data‑methods, evidence, for‑reporters, help‑now, index, policy, share‑safely, timeline, toolkit, watch, corrections.

The standing note now states what this is and why it exists. “Oversight project” was accurate but bare. The note on every page now opens as public-interest documentation, cited evidence, investigative research, fiscal analysis and oversight, and carries the frame of reference: families who took COVID-19 forbearances were left without a workable way back; the replacement the VA built to fix that was terminated on roughly eight days’ notice; Congress passed an emergency replacement authority; the Department sat on implementation and did not use the additional statutory authority it had been given. The industry, advocates, press and members of Congress each said in advance what would follow. This is the documentation of that foreseeability, and it presses for a cohort-wide remedy, benefits reversal, restored eligibility, and remediation for every family left behind. Both limits are unchanged: cohort-level demands only, no result sought in any individual case, and nothing here is legal advice. One deliberate restraint: the note says the replacement was terminated “on roughly eight days’ notice” rather than giving a length of operation, because the notice period is the figure this site has pinned to a source. About carries the same frame in its own voice. Affected: about, action, data‑methods, help‑now, policy, share‑safely, toolkit.

Standing note set to its final wording; the last campaign-era labels renamed. The standing note on every page is now the fixed text: a public-record oversight project documenting the VA foreclosure crisis and pressing for a cohort-wide remedy, benefits reversal, restored eligibility, and remediation for every eligible veteran family left behind; cohort-level demands only; no result sought in any individual case; nothing here is legal advice. The chronology that had briefly been carried inside the note now lives where it belongs, in the About page’s own account. The three taxonomy uses previously held for review are resolved: the claim label “PROJECT ANALYSIS” is renamed “PROJECT ANALYSIS” across Evidence, Policy & Fiscal, The Script and both claims registers, with the Evidence filter button relabelled to match; the News entry type “Campaign” is now “Project” (no entry was using it); and About’s “Public / campaign lane” is now “Public / project lane.” No page carries campaign self-description language. Affected: about, action, data‑methods, evidence, help‑now, news, policy, share‑safely, the‑script, toolkit, claims.csv.

The “$147M net savings” figure was stated too broadly, and two facts in the same document had gone unpublished. Reading the CBO cost estimate for H.R. 1815 in full (S005, already in the register) turned up a framing error of ours. Table 1 carries two lines, not one: net direct spending falls by $147 million over 2025–2035, while the same table authorizes $148 million subject to appropriation, of which CBO estimates $146 million would be outlaid. Describing the score as “net savings over ten years” without that second line overstated it. The scored card now reads “decrease in net direct spending,” says where the offset sits, and adds CBO’s −$170 million for section 3 alone. Two new claims are published from the same document. C031: the bill creating the partial claim also removes the right to challenge it, CBO’s Mandates section records that by not allowing judicial review of VA’s decision to obtain secured interest in a veteran’s defaulted home loan, the bill would eliminate an existing right of action, and assigns the mandate no cost “because judicial review does not result in monetary damages.” C032: the program was scored for roughly 12,200 claims at an average of $27,200 on VA’s own loan-volume data, at a 37 percent subsidy rate, with the authority expiring five years after enactment. Both carry the same limit: CBO scored H.R. 1815 as reported in 2025, and the authority was enacted through Pub. L. 119-37 §7307, whether the enacted text keeps the judicial-review provision is not verified here, and 12,200 is a take-up projection, not a cap on participation. Five page captures from the estimate are published as receipts on Policy & Fiscal, including the Table 1 capture that shows both budget lines together. A sixth capture, the USASpending Contract Activity chart for the VRM REO contract, is added beside the existing award receipt on The Script; its caption notes that the curve is not broken out by service line and so is not evidence of eviction volume specifically. Affected: policy, evidence, data‑methods (S005), the‑script, claims.csv, receipts.

What a servicer is paid to save the home. Two claims added to Policy & Fiscal, with the rule text published as a receipt. C033 (documented fact): under 38 C.F.R. § 36.4319(b) the incentive for a completed repayment plan is $200, a loan modification $700, a short sale $1,000 and a deed-in-lieu $350 at the top tier, stepping down by servicer tier ranking to $0 at Tier Four, and the largest single incentive in the schedule is for a short sale, not for retention. C034 (project analysis): set against CBO’s record that VA “typically pays lenders up to 25 percent of the outstanding mortgage balance if a borrower’s home is foreclosed upon,” the $700 modification incentive is the weakest financial signal in the file, which is a reason not to rely on servicer initiative to reach families already in default. The analysis card carries two limits stated on the page, not only in the register: the incentive is paid to the servicer while the guaranty payment goes to the holder, often, but not always, the same company, and a guaranty payment reimburses a documented loss rather than producing profit. This project does not claim any servicer profits by foreclosing. Placed in the fiscal section rather than with the loss-mitigation rules, because the point it carries is a comparison of payments. Affected: policy, evidence, claims.csv, receipts.

VA’s own account of why it had no partial claim. Source S052 added: the February 15, 2024 written statement of VA’s Executive Director of Loan Guaranty Service to the House Veterans’ Affairs Subcommittee on Economic Opportunity. C035: VA told Congress that unlike HUD and USDA it “does not have explicit authority to advance guaranty funds as a loss mitigation option,” that this had been its “longstanding and public position,” and that the reason “may be because VA only carries 25% of the risk of a default through its guaranty, where the other Federal programs carry 90% or more of default risk.” The same statement fixes the COVID-VAPCP expiry at October 28, 2022. C036: VA’s own figures, more than 200,000 veterans affected by the COVID-19 emergency, more than 50,000 assisted through the temporary retention options, and more than 145,000 retentions in the prior year. Both claims carry limits: C035 is VA’s position before Congress created the permanent partial claim, so it explains the pre-2025 gap rather than describing VA’s authority today; and the 145,000 is a different period and measure from the 173,000 in the June 2026 launch release. The two are not merged, and neither is used to derive the cohort tiers. C031 tightened: it now reads “H.R. 1815, as CBO scored it” rather than “the bill,” because the enactment history is now settled, H.R. 1815 became Pub. L. 119-31 on July 30, 2025, and Pub. L. 119-37 §7307 amended it on November 12, 2025. Those are two different laws, four months apart, and the register already carried them correctly as S010 and S019; the confusion was in this log, not on the pages. Whether the judicial-review provision survived into the enacted text is still unverified, and C031’s limit line says so. Note: S052 is published without a link. The docs.house.gov URL is being pinned; the document ID is on the page. An ID collision was caught before publication: S051 is already the April 2024 HVAC budget hearing. Affected: data‑methods (S052), evidence, sources.csv, claims.csv.

Independent corroboration, and the foreseeability point put in print a year early. Source S053 added: the Urban Institute Housing Finance Policy Center’s July 2024 study Preventing Foreclosures: How the Pandemic Reshaped the Loss Mitigation Toolkit. Three claims. C037: a year before Congress acted, independent analysts had documented that “the VA has the most limited loss mitigation options, lacking both a portfolio and partial claim authority,” and recommended that “Congress needs to grant the VA partial claim authority” and fund a fuller waterfall. C038: the same paper predicted uneven servicer implementation in print. There was “a lack of clear servicer guidance regarding the interpretation of ‘exhausted all other options,’ which gives servicers a good deal of discretion and assures that implementation will be uneven”, and records that veterans could not apply for VASP directly. C039: on the flat 2.5 percent rate, “the VA, with its existing authority, could have introduced a more flexible modification.” This matters because it is not this project’s analysis: a mainstream housing-finance body published the discretion problem and the authority gap before the harm, which is the foreseeability this project documents. One discrepancy recorded rather than resolved: the paper dates the expiry of VA’s partial-claim funds to October 2022 in one passage and July 2022 in another. This site uses VA’s own date, October 28, 2022, from the Bell statement (S052), and C037’s limit line states the conflict. Affected: data‑methods (S053), evidence, sources.csv, claims.csv.

Eight receipts published for the independent analysis, and C037’s limit line corrected. Policy & Fiscal carries a new section, “What independent analysts published before the harm,” reproducing the pages of the Urban Institute’s July 2024 study (S053) that C037, C038 and C039 rest on: the “VA Loss Mitigation Programs” page carrying the authority gap and the funding chronology; the page predicting uneven implementation from the undefined “exhausted all other options” standard; the recommendation that Congress grant partial-claim authority, with its costed alternative; the conclusion stating the VA “would benefit from more legislative authority”; the two VASP pages; the CARES-Act forbearance page; and Figure 1. Every capture carries a figcaption naming what it evidences. The correction: C037’s limit line previously described the paper as giving two conflicting expiry dates. That was wrong. The paragraph records partial-claim funds acquired July 2021 and expired October 2022, and separately says the COVID-19 Refund Modification was “operated on and off after the VA partial claim authority expired in July 2022”, describing the run of short extensions this project already documents, not contradicting itself. The limit now says so, and still uses VA’s own COVID-VAPCP expiry of October 28, 2022 (S052). Figure 1 is published with an explicit limit: it counts all federal and GSE forbearances, not VA loans, is not broken out by program, and no figure on this site is derived from it. Two further captures, on streamlined refinancing and on racial disparities in refinancing, were not published, as no claim rests on them. Affected: policy, evidence, claims.csv, receipts.

VA’s own COVID-19 borrower FAQ added, and Policy & Fiscal now has a section index. Source S054: VA’s borrower-facing CARES Act FAQ. Three claims rest on it. C040VA’s FAQ lists private sale, short sale and deed in lieu for a borrower who cannot resume payments, and attaches the same caution to two of them: “This option could result in a loss or reduction in your future home loan benefit.” The Department set out the benefit consequence in the same guidance that offered the exit, which is the consequence this project’s benefits-reversal demand addresses. C041, both COVID-era partial-claim options were gated on a borrower’s status in March 2020 and closed on fixed dates: COVID-VAPCP required a borrower to have been “current or within 30 days of current on March 1, 2020” and ran July 27, 2021 to October 28, 2022; the COVID-19 Refund Modification required “within 120 days current on March 1, 2020” and ran to July 1, 2023. C042, entry into CARES forbearance was mandatory: the interagency servicer fact sheet states a servicer “must give them the forbearance requested,” that no documentation was required, that it was available “regardless of delinquency status,” and that VA servicers “cannot require borrowers to make a lump sum payment immediately after a borrower exits.” Each claim carries a limit: C040 is VA’s statement of consequence, not a finding about any family’s entitlement; C041 records the gates, not how many families they excluded; C042’s mandatory duty attaches to entry and to the lump-sum prohibition on exit, not to any particular exit option. S049’s live URL is now pinned to the fact sheet on benefits.va.gov, replacing the captured-PDF path. Separately, Policy & Fiscal opens with an “On this page” index of its six sections, each anchored, so the page reads as a structured document rather than one continuous run of analysis and receipts. Pending: the thirteen FAQ and fact-sheet captures are held unpublished until each is matched to the question it shows. The filenames carry timestamps, not question numbers, and receipts are not labelled by inference here. Affected: policy, data‑methods (S054), evidence, sources.csv, claims.csv.

VA Circular 26-24-2 added, including VA’s own record that servicers were starting foreclosures before VA review. Source S055: VA Circular 26-24-2 of February 9, 2024, updating the COVID-19 Home Retention Waterfall. Three claims. C043, at Step D the circular states in bold that “the servicer is not to initiate foreclosure or alternatives to foreclosure at this point,” and in the same paragraph VA records that under the previous waterfall circulars “servicers may not have fully understood Step D, and servicers may have begun foreclosure or offered alternatives to foreclosure (that is, deed-in-lieu of foreclosure or short sale) before VA had the opportunity to determine whether an option not specifically identified in the waterfall could help a borrower retain their home.” It further directs that all Step D loans be referred to VA where no other home retention option is available. C044. The waterfall’s own entry test is “current or less than 120 days past due as of March 1, 2020, or the guaranteed loan was made on or after March 1, 2020,” with Step C targeting a payment at 31 percent of gross monthly household income without VA’s purchase exceeding 30 percent of unpaid principal. C045, among the Step D options VA reserved to its sole discretion is exercising “its loan refunding authority under 38 U.S.C. § 3732” to purchase a delinquent loan outright and assume servicing. Limits are explicit on all three: C043 is VA’s general observation about conduct under the earlier circulars and is not a finding about any individual servicer or loan; C044’s test is distinct from the COVID-VAPCP test in C041 and the two are not merged; C045 documents authority VA stated it held, not how often it was used. Pending: the seven circular captures join the thirteen FAQ and fact-sheet captures on the holding list, unpublished until each is matched to the section it shows. Affected: data‑methods (S055), evidence, sources.csv, claims.csv, holding list.

What VA told servicers to do is now a section of its own, with the pages reproduced. Policy & Fiscal carries a new section, “What VA told servicers to do,” publishing three pages of the interagency CARES Act fact sheet for servicers of FHA, VA and USDA loans (S049). New claim C046: the guidance instructed servicers to “ensure that borrowers understand that the missed payments must be repaid, although it may be paid back over time,” and to “inform borrowers that they can contact you when their hardship is over or resume making their regular monthly mortgage payment to end the forbearance, and discuss what repayment options are available.” The VA-specific page states that servicers of VA loans “cannot require borrowers to make a lump sum payment immediately after a borrower exits a CARES Act forbearance,” and points servicers to the Chapter 5 loss-mitigation options in the M26-4 handbook. Read with C042, the guidance is unambiguous in both directions: entry into forbearance was mandatory on request and without documentation, and a lump sum on exit was prohibited. All three captures were opened and identified before being labelled; each carries a figcaption naming the passage it shows. C046’s limit line states that this records what the guidance instructed and is not a finding that any particular servicer departed from it, this project makes cohort-level claims and does not adjudicate individual accounts. The section index gains a seventh entry. Affected: policy, evidence, claims.csv, receipts.

The content-label key now defines every label in use. The key on this site’s methods page listed five labels and did not include PROJECT ANALYSIS, although that label was in active use on Evidence, Policy & Fiscal and The Script, so a reader clicking through from a PROJECT ANALYSIS chip to find out what it meant found no entry for it. It predates this week’s rename; the key never defined the old name either. It is now defined: this project’s own conclusion from the cited record, reasoning, not a documented fact, and distinct from factual analysis, which reads the law and the data. The key also carries a new line explaining why it lists six labels while the Evidence filter row shows four: the filter lists only labels currently carried by entries in the claim register, while community-reported and publicly-unreported material appears in page copy rather than as claims. Both labels remain in active use and neither is retired. About’s label list is updated to match. Affected: data‑methods, about.

“What must happen” on the hub was too broad in two places, and vague in a third. The block now carries four asks instead of three. “No new law required” was replaced: the accurate statement is that no new law is required for interim guidance or a remediation pathway, because the Secretary already holds that authority under 38 U.S.C. §3737(h), a narrower claim than the one previously published. “Remove the gates” is now “remove the handbook gates,” naming H.R. 1815, the VA Home Loan Program Reform Act, as the law that did not write them, so the distinction between statutory authority and handbook-level restriction is on the page rather than implied. “Count & rehouse the displaced” is now a concrete ask: publish the monthly VALERI aggregates, new defaults, foreclosure starts, VA-acquired REO, and build a remediation pathway for families already foreclosed, past sale, or displaced during the implementation gap; the GAO review is cited as a lagging oversight backstop rather than the remedy. A fourth ask states the §3737(h) authority directly. The block also now says plainly that the June 2026 policy is final but not operational at every servicer until November 28, 2026, so that “implemented” is not read as “available to every borrower today.” Note: this block carries a LOCKED COPY marker and was revised on direct instruction; the marker is retained. Affected: index.

S039 described; one legal-aid figure published and two held. S039 is no longer a bare listing: HousingWire, July 21, 2026, institutional-investor single-family rental listings have more than doubled since early February, with any effect from the 21st Century ROAD to Housing Act appearing local rather than national. It is recorded as a market-signal item with no direct VA-home-loan bearing, and no claim rests on it. On legal aid, the Accountability Tracker’s appropriations row now carries the one figure with a pinned primary source: Sen. Murray’s office states that in FY2026 she protected $540 million for the Legal Services Corporation and rejected the proposal to defund it entirely, and that House Republicans sought to cut it by nearly half (S043). Two further figures, the LSC FY2027 request of $2.1 to $2.14 billion, and the roughly 1.8 million eligible applicants turned away each year, are held as unverified and appear on no page, because no official LSC URL has been pinned for either. Both are held unpublished until a primary source is confirmed. Affected: data‑methods (S039, S043), evidence, watch, sources.csv, holding list.

LSC FY2027 request published; an unpinned elimination claim removed. The Legal Services Corporation’s own FY2027 request is now on the Accountability Tracker at $2.1–2.14 billion, pinned to LSC’s budget-request page (S044), with the agency’s statement on unmet civil legal needs (S045) and trade-press corroboration (S046). LSC states the figure two ways, $2.1 billion on one of its pages and $2.14 billion on another, so this site carries the range and says why, rather than choosing one. In the same pass, a sentence stating that the FY2027 budget proposes elimination with a closeout amount only was removed: it had been on the page before this week and was never source-pinned. The FY2026 defunding proposal is pinned, through Sen. Murray’s release (S043); an FY2027 elimination is a different claim and needs its own primary citation. Law360 reports a push to slash funding, which is not the same thing. The claim is held pending the budget appendix. Still held: the “1.8 million turned away each year” figure, which the LSC press release has not been confirmed to state and which carries no year. Affected: data‑methods (S044–S046), evidence, watch, sources.csv, holding list.

The legal-aid gap now carries a veteran-specific figure, and the figure we were chasing is still held. Three Legal Services Corporation Justice Gap documents were read in full. The “1.8 million turned away each year” figure appears in none of them; they are 2017 data and it evidently comes from a later publication, so it remains held and unpublished. What they do contain is stronger for this record because it is veteran-specific: in LSC’s 2017 Justice Gap survey, 71% of low-income households with veterans or military personnel had a civil legal problem in the past year, they sought professional legal help for only 21% of those problems, and an estimated 88% received inadequate or no professional legal help. That is now S047 and claim C028, and it appears on What Is Happening beside the point that no dedicated national legal pipeline exists for veterans in foreclosure. The limit line is explicit: 2017 data, predating this crisis; it measures civil legal need in general rather than foreclosure defence; and LSC notes the veteran estimates rest on fewer than 100 reported problems. Affected: data‑methods (S047), evidence (C028), current‑status, sources.csv, claims.csv, holding list.

S047 pointed at the wrong document. The 71% / 21% / 88% veteran figures were read out of the Legal Services Corporation’s Special Focus: Veterans document, but S047 was pinned to the Justice Gap landing page, so a reader clicking through to check the 88% figure would not have been guaranteed to find it. That is the same failure this site refused to accept one entry earlier, when the “1.8 million turned away” figure was held precisely because its candidate source had not been confirmed to state it. S047 now links directly to the Special Focus: Veterans document, with the Justice Gap report set named as the parent publication. The figures themselves are unchanged and were verified against the document before publication. Affected: data‑methods (S047), evidence, sources.csv.

Both held legal-aid figures released, one of them corrected, and a date error caught. The Legal Services Corporation’s FY2027 Budget Request was read in full, which settles all three open questions. The request is not a range: LSC seeks $2.143 billion ($2,142,675,816), an increase of $10.2 million. The site had carried “$2.1–2.14 billion” because two LSC web pages state it differently; the request document itself is exact, and the page now uses that figure. The 1.8 million figure is released from hold and published with its meaning attached: LSC grantees fully serve 29% of eligible applicants, partially serve 22%, and turn away 49% without services, about 1.8 million people denied assistance for lack of resources. The elimination claim is also released, and corrected as to year: it was the FY2026 White House budget that proposed eliminating LSC altogether with $21 million for close-out costs, not FY2027. This site had previously published it as an FY2027 proposal, removed it as unpinned, and has now restored it with the correct year and source. Separately, S036 is described from the article rather than its title: its comparison table is VA versus conventional, not VA versus FHA. It remains a consumer explainer with no claim resting on it. Nothing now sits on the holding list except the cohort map’s consent layer and the §3720(h) standing hold. Affected: data‑methods (S036, S044), watch, sources.csv, holding list.

“Campaign” replaced with “oversight project,” and the standing note now names the remedy sought. The standing note on every page previously read “a public-record campaign advocating for better outcomes for veteran families.” It now reads: a public-record oversight project that documents what happened to veteran families in the VA foreclosure gap and presses for a cohort-wide remedy, benefits reversal, restored eligibility, and remediation for every family left behind. The two limits are unchanged and still stated: cohort-level demands only, no result sought in any individual family’s case, and nothing here is legal advice. About, the One-Pager, What Is Happening and the Toolkit are updated to match. Affected: about, action, data‑methods, help‑now, policy, share‑safely, toolkit, One‑Pager, current‑status.

The two public laws are both correct, and the site now shows why. S019 previously cited Pub. L. 119-37 alone, which read like an error against Pub. L. 119-31 elsewhere on the site. It was not. The authority arrived in two steps: Pub. L. 119-31 §3(a) (July 30, 2025) first allowed pre-regulation guidance but limited it to loans already in default on the date of enactment; Pub. L. 119-37 §7307(e) (November 12, 2025) then replaced that text, extending the authority to the Partial Claim Program and the loss-mitigation options under §3732(d) and removing the default-at-enactment limiter. That second step is what makes the “authority was expanded, not exhausted” argument hold, and S019 now states the sequence rather than the endpoint. Separately, the Take Care of America’s Veterans Act (H.R. 9237) is identified on Policy & Fiscal as a 62-bill veterans package covering benefits, health care and VA administration, not a home-loan bill, and the VA Home Loan Affordability Act (H.R. 8532) is added as S042, a separate introduced measure. Affected: data‑methods (S019, S042), evidence, policy, sources.csv.

Every bill on this site is now named, and the authorizing statute is identified by public law number. H.R. 1815 is the VA Home Loan Program Reform Act, Pub. L. 119-31, signed July 30, 2025, the statute the Partial Claim Program runs on. VA’s launch release calls it the “VA Home Loan Reform Act,” a short form of the same law, which is why the release’s July 30, 2025 authority date and the enrolled text agree; there is no second statute and no date conflict. Also named: H.R. 6047 (Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act), H.R. 9379 (Affordable Homes for Veterans Act of 2026, which would set a 45-day review deadline for complete VA loan-assumption applications), H.R. 9404 (VA Home Loan Navigator Act), and H.R. 6644 (21st Century Veterans Affairs Benefits Delivery Act), S038, previously parked as “needs description,” is now identified, though no claim on this site rests on it. Affected: data‑methods (S010, S038), evidence, watch, sources.csv.

Floor status of H.R. 9237 was out of date on Policy & Fiscal. That page stated the Take Care of America’s Veterans Act (H.R. 9237) “had not received a House floor vote” as of early July 2026. A motion to recommit is a recorded floor vote, and one was held on July 16, 2026, it failed 210–211 on roll call 249, after which leadership withdrew the bill. The hub and News & Record already carried the July 16 action, so the site was giving two accounts of the same bill’s status. Policy & Fiscal now states the current record and cites S040 and S041. Affected: policy.

Bills now named, not just numbered. House-floor references to H.R. 9237 carried the number alone on the hub, News & Record, Accountability Tracker and Policy & Fiscal, and the Tracker used the bare acronym “TCAVA.” Every reference now reads the Take Care of America’s Veterans Act (H.R. 9237), with the Senate companion identified as S. 4744 where it appears. The July 16 floor action is also pinned and made specific: the motion to recommit failed 210–211 on roll call 249, after which leadership pulled the bill from floor consideration. That entry had been carried as “needs URL” and is now verified. Two sources added: S040 (Office of the Clerk roll call) and S041 (the Congress.gov bill record). Affected: data‑methods (S040, S041), evidence, index, news, news data, watch, policy, sources.csv.

Claim register reconciled; the warning record published. Two claim IDs were found in collision: the claims register of record runs to C024, while the Evidence page had only ever published through C016, so the two claims added this week were sitting on IDs already assigned. They are renumbered C025 (the 180-day industry request) and C026 (rising foreclosure activity), and the seven register claims the page had never shown, C017 through C024, are now published, so the page and the download match. C024 is also corrected: the VRM contract figure previously read “ceiling near $374 million,” which is the potential award; the record shows $200.6M obligated against a $302.4M current award. Six sources added (S034–S039). Two of them, S038 (H.R. 6644 enrolled text) and S039 (HousingWire on the Road to Housing Act), are listed for the record only and carry no claim pending confirmation of their bearing. New section on Policy & Fiscal, “Nobody can say they weren’t warned” (C027): a chronological record from March 2025 to July 2026 of the industry, consumer advocates, national press and a Senate ranking member each naming this outcome in advance. It is labelled foreseeability, not intent, and says so in the section itself. Affected: data‑methods (S034–S039), evidence (C017–C027), policy, current‑status, sources.csv, claims.csv.

Register closed; market-stress evidence added. S024 is pinned to the USASpending contract record for PIID VA119A17C0062, Vendor Resource Management, Inc., $200.6M obligated against a $302.4M current award and a $374.4M ceiling. No source in the register is now unpinned. The source page also carries a new standing note on where VA publishes policy: the final Partial Claim policy was issued as M26-4 transmittal sheets on the KnowVA Knowledge Base, not as a circular and not on the drafting table, so a circular search returns nothing and is easily misread as the program being unimplemented. Six sources added on market conditions: S028 (ATTOM mid-year report), S029 (MBA National Delinquency Survey Q1 2026), S030 (Mortgage Professional America / DLS Servicing), S031 (Stars and Stripes on the funding-fee bill), S032 (WRDW broadcast coverage), S033 (The Close). These support new claim C018 and a new section on What Is Happening, “The market is turning while the program is not yet running.” The doubling forecast in S030 is carried as a practitioner’s warning, explicitly not as a projection of record, and the section states plainly that none of these counts measure veteran households directly. Five dated entries added to News & Record. Affected: data‑methods (S024, S028–S033, publication note), evidence (C018), current‑status, news, news data, sources.csv, claims.csv.

Three sources pinned; the 173,000 figure released from hold. S007 is now pinned to VA’s own launch press release of June 15, 2026, which states that VA “worked with mortgage servicers to help 173,000 Veterans” in fiscal year 2025 (news.va.gov). Claim C010 moves from UNVERIFIED · HELD to DOCUMENTED FACT, with its scope stated plainly: what is verified is that the VA said it, not that 173,000 families kept their homes. The figure lumps temporary forbearances, higher-rate modifications and short sales together with permanent home retention, and VA publishes no bucket breakdown, so it remains usable only as the VA’s claim, never as an outcome count. S020 pinned to CNN’s April 30, 2025 report on the VASP phase-out. S023 pinned to VA Circular 26-24-16, with the VASP servicer FAQ as a secondary. S024 (VRM REO / eviction contract record) remains labelled “verified, needs URL” and is the last unpinned row in the register. Affected: data‑methods (S007, S020, S023), evidence (C010), policy, news, news data, sources.csv, claims.csv, holding list.

Who asked for the 180 days. Two sources added. S026: the March 2026 comment letters from the Mortgage Bankers Association and the Community Home Lenders of America, which each asked VA for at least 180 days before servicers had to comply, the runway VA granted in full, landing on November 28, 2026. In the same letter MBA warned the draft would leave veterans with “substantially worse” options than Fannie Mae, Freddie Mac or FHA borrowers. S027: the ABA’s analysis of the final policy, which confirms the November 28 date as 180 days from the June 1 effective date, records the waterfall being simplified from eight steps to six with the partial claim moved up to Step 5, and notes that “several technical issues remain and will require additional clarity from VA.” New claim C017 on Policy & Fiscal. One reported detail was reviewed and not adopted: a March account describing eligibility as retroactive to May 1, 2025. The final policy contains no such retroactivity. The 3/1/20–5/1/25 window sets the 30% ceiling trigger, not who may apply. Affected: data‑methods (S026, S027), evidence (C017), policy, sources.csv.

Site published. The record went live as a multi-page hub, last verified July 24, 2026. Two dates were unified site-wide in the same pass: the HVAC Economic Opportunity family-witness hearing cancellations are June 25 and July 14, 2026 (the Tracker previously read “spring 2026” and “Jul 16, 2026”, July 16 is the H.R. 9237 floor withdrawal, a separate event); and the May 26, 2026 moratorium letter is cited throughout as the 28-member letter led by Rep. Pappas. Affected: watch, action, news data.

CBO net-savings figure corrected. The permanent partial claim’s CBO score was previously stated as “~$170M in net savings.” That figure was wrong. Corrected site-wide to $147 million in net savings over ten years (CBO; H. Rept. 119-104), and the component stat was added: CBO projected $294 million in avoided foreclosure-related payments. Sources pinned to cbo.gov/publication/61402 and the H. Rept. 119-104 report. Affected: index, policy, One-Pager, evidence (C004), data‑methods.

Sources pinned. S001 (Sen. Blumenthal, 15,000+ figure) pinned to the SVAC hearing record (5/20/26). Two figures remain held pending confirmation: the VA’s 173,000 counter-figure, and the $2.3 billion / 31,500-family cost projection from spring testimony. C010 (173,000) reclassified to UNVERIFIED ,  HELD

Authority section added; a resource removed. Added a Policy & Fiscal section documenting that Pub. L. 119-37 (§7307(e)) expanded the Secretary’s emergency authority (38 U.S.C. §3737(h), as amended) and that the current program runs under it (C014–C016). The Veterans Consortium Pro Bono Program was removed from Get Help, on review it covers disability/discharge matters, not foreclosure defense; NACA and state/county legal aid were added in its place.

Site launched as a multi-page record, folding the prior single-page briefing into current-status, evidence, policy, timeline, and action. No factual claims changed in the migration; numbering, labels, and citations carried forward from the master case packet.