This bill amends title 38, United States Code, to require Department of Veterans Affairs (VA) call centers to implement multi-factor authentication for callers. This security measure is specifically mandated for high-impact veteran or beneficiary actions , ensuring proper identity verification and appropriate participation. A high-impact action is defined as one where an impersonator could cause real and durable harm to the veteran or beneficiary. Such harm includes diverting funds, manipulating account access, or disclosing sensitive information. The legislation aims to bolster security and protect veterans and beneficiaries from fraud and identity theft.