; and (2) no later than September 1, 2025. (d) Failure To certify If the Secretary fails to submit the certification required by subsection (b) by the date specified in subsection (c)(2), the Secretary shall submit to the Committees on Veterans’ Affairs of the Senate and House of Representatives a report that includes— (1) the reason why the certification was not made by such date; and (2) the estimated date when the certification will be made. 5. Modification of certain housing loan fees The loan fee table in section 3729(b)(2) of title 38, United States Code, is amended by striking November 15, 2031 each place it appears and inserting December 27, 2031 .