; and (C) in paragraph (5), by striking obligation and inserting loan ; (2) in subsection (c)(10)(B)(i), by striking forebearance each place it appears and inserting forbearance ; and (3) by adding at the end the following new subsection: (d) The Secretary may prescribe loss mitigation procedures, including a mandatory sequence in which the holder of a loan guaranteed under this chapter shall offer loss mitigation options to veterans, to help prevent the foreclosure of any such loan. . (e) Clerical amendments The table of sections at the beginning of chapter 37 of title 38, United States Code, is amended by inserting after the item relating to section 3722 the following new items: 3723. Partial Claim Program. 3724. Civil penalties with respect to loan holders. .