This bill establishes a clear statutory requirement for the processing of Department of Veterans Affairs (VA) home loan assumption applications. It mandates that loan servicers must process and render a decision on a complete application for a VA loan assumption within 45 calendar days of receipt, applying universally regardless of the servicer's approval authority. To ensure adherence, the bill directs the Secretary of Veterans Affairs to update guidance for servicers within 30 days of enactment. This guidance must explicitly state the 45-day timeline is a statutory requirement and prohibit servicers from implying longer processing times to discourage assumptions, ensuring all communications align with this mandate. Additionally, the legislation tasks the VA Inspector General to conduct a comprehensive assessment within 90 days. This assessment will examine servicer compliance with the 45-day timeline, analyze average processing times, and investigate communication practices, including any that discourage assumptions. It will also compare denial rates and underwriting standards between loan assumptions and new VA loans, looking for evidence of discrimination or disparate treatment . The Inspector General must submit a detailed report to Congress within 18 months, outlining findings, identifying consistently non-compliant servicers, and providing recommendations for enforcement and necessary legislative or regulatory changes. Anonymized data collected for the assessment will be made publicly accessible.