; and (B) establish through such guidance additional requirements applicable to such partial claims, which shall include the prohibition under subsection (c)(4). (2) Loan described A loan described in this paragraph is a loan that the Secretary determines was in default as of the date of the enactment of the Veterans Housing Stability Act of 2024 . (3) Termination The Secretary may not accept a request for a partial claim under this subsection after December 31, 2025. (i) Rule of construction Nothing in this section shall be construed to limit the authority of the Secretary under subsections (a) and (d) of section 3732 of this title. . (c) Civil penalties Such subchapter is further amended by inserting after section 3723, as added by subsection (b), the following new section: 3724. Civil penalties with respect to loan holders (a) In general Any holder of a loan guaranteed under this chapter that knowingly and materially makes a false statement under section 3723 or 3732 of this title shall be liable to the United States Government for a civil penalty equal to the greater of— (1) two times the amount of the loss suffered by the Secretary; or (2) another appropriate amount determined by the Secretary, not to exceed $27,894. (b) Recovery A civil penalty under this section may be recovered in the same manner as any other debt due the United States. (c) Additional charges In assessing a civil penalty under this section, the Secretary may charge administrative costs, fees, and interest, as appropriate, in a manner similar to the interest and administrative costs charged under section 5315 of this title. (d) Determinations All determinations necessary to carry out this section shall be made by the Secretary. . (d) Procedure on default Section 3732 of such title is amended— (1) in subsection (a)— (A) in paragraph (1), by striking obligation each place it appears and inserting loan