; and (2) include recommendations for actions that Ginnie Mae should take to ensure that the liquidity of that housing loan program is maintained. (b) Definitions In this section: (1) Appropriate committees of congress The term appropriate committees of Congress means— (A) the Committee on Veterans’ Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate; and (B) the Committee on Veterans’ Affairs and the Committee on Financial Services of the House of Representatives. (2) Ginnie mae The term Ginnie Mae means the Government National Mortgage Association. 5. Annual report on document disclosure and consumer education Not less frequently than once each year, the Secretary of Veterans Affairs shall issue a publicly available report that— (1) examines, with respect to loans provided to veterans under chapter 37 of title 38, United States Code— (A) the refinancing of fixed-rate mortgage loans to adjustable rate mortgage loans; (B) whether veterans are informed of the risks and disclosures associated with that refinancing; and (C) whether advertising materials for that refinancing are clear and do not contain misleading statements or assertions; and (2) includes findings based on any complaints received by veterans and on an ongoing assessment of the refinancing market by the Secretary.