; and (5) in subparagraph (E), as redesignated by paragraph (3)(A)— (A) by striking subparagraph and inserting paragraph ; and (B) by redesignating subclauses (I) and (II) as clauses (i) and (ii), respectively. (b) Penalties for false certification Section 3704(c) of such title is amended by adding at the end the following new paragraph: (3) Any veteran who knowingly and materially makes a false certification under paragraph (1) or (2) of this subsection shall be liable to the United States Government for a civil penalty in an amount not to exceed $23,607. A penalty under this paragraph may be in addition to any other remedy available to the Secretary. All determinations necessary to carry out this paragraph shall be made by the Secretary. . (c) Loan fees The loan fee table in section 3729(b)(2) of such title is amended by striking April 7, 2023 each place it appears and inserting April 7, 2030 . (d) Effective date The amendments made by this Act shall take effect on the date that is 180 days after the date of the enactment of this Act.