; and (2) by striking subsection (d) and inserting the following: (d) In any action brought under section 3730, the United States shall be required to prove all essential elements of the cause of action, including damages, with respect to each false claim, by a preponderance of the evidence. . (b) False claims Section 3729 of title 31, United States Codes, is amended by adding at the end the following— (e) Claims In the case of any claim arising from the Indian Home Loan Guarantee Program, the Native Hawaiian Housing Loan Guarantee Program, and any program administered by the Federal Housing Administration, the Department of Veterans Affairs, or the Rural Housing Service of the Department of Agriculture, or any successor thereto, the following apply notwithstanding any other provision of this chapter: (1) If the violation of section 3729 is based on a false or fraudulent record or statement in connection with obtaining government insurance or guaranty of a loan, the violation of this section is deemed to have been committed as of the effective date of such insurance or guaranty. (2) If the violation of section 3729 is based on a false or fraudulent record or statement in connection with obtaining either government insurance or guaranty of a loan or submitting periodic certifications regarding the status of the person or single asset entity, for purposes of such a claim, the term damages shall mean the net amount of actual losses after subtracting any net liquidation proceeds received by the Government in disposition of the property giving rise to such damages. (3) If the violation of section 3729 is based on a false or fraudulent record or statement in connection with obtaining either government insurance or guaranty of a loan or payment of a claim in respect of such insurance or guaranty, the Government will not be considered to have sustained damages because of such false or fraudulent record, statement, or claim to the extent that either the loan would have been eligible for insurance or guaranty or the claim