Veterans

Plain English Breakdown

The bill summary text does not provide details on enforcement mechanisms and penalties, leaving this aspect uncertain.

Veterans Protection Act

This bill sets rules for people who help veterans with benefits claims to prevent unfair practices and requires written agreements and disclosures.

What This Bill Does

• Prohibits charging money or getting paid for helping veterans with benefit claims within a year after they leave active duty unless the veteran signs a waiver.
• Requires written agreements before providing services, specifying that payment is based on an increase in benefits awarded and limits compensation to five times the monthly increase.
• Bans charging initial or nonrefundable fees for advising veterans about their benefits.
• Forbids guaranteeing successful outcomes or specific benefit amounts when helping with veterans' claims.
• Requires background checks for anyone accessing veterans' personal information, including medical and financial data.

Who It Names or Affects

• Veterans who seek help with benefits claims.
• People and businesses that provide services to veterans regarding their benefits.

Terms To Know

Compensation

Money or other economic benefit given in return for services provided.

Veterans' Benefits Matter

Activities related to preparing, presenting, or prosecuting a claim for benefits that veterans are eligible for under federal laws and regulations.

Limits and Unknowns

• The bill does not apply to agents, attorneys, or other representatives accredited by the U.S. Department of Veterans Affairs.
• It is unclear how this act will be enforced and what specific penalties might be applied.

Official Summary Text

This bill prohibits all of the following conduct by a person or legal entity with relation to a potential or actual
claim for a benefit, program, service, commodit
y, function, status, or entitlement for which veterans, their dependents, their survivors, or other individuals are eligible under the laws and regulations administered by the United States department of veterans affairs or the department of veterans serv
i
ces
:



R
eceiving compensation for services rendered in connection with a claim filed within the one-year presumptive period of active-duty release, unless the veteran acknowledges by signing a waiver that the veteran is within this period and chooses to forgo the free services available.



S
eeking to receive compensation for advising, assisting, or consulting with an individual
in connection with a veterans' benefits matter
until the person or legal entity
, before rendering the services, memorialize
s
the specific terms under which the amount to be paid will be determined in a written agreement signed by both parties. The agreement must specify that (i) compensation is wholly contingent upon an increase in benefits awarded; and (ii) if successful in obtaining an increase in benefits, the compensation does not exceed five times the amount of the monthly increase in benefits awarded based on the claim.



Charging
an initial or nonrefundable fee
for
advising, assisting, or consulting an individual on a veterans' benefits matter.



G
uaranteeing, either directly or by implication, a successful outcome, that any individual is certain to receive specific veterans' benefits, or that any individual is certain to receive a specific level, percentage, or amount of veterans' benefit.



A
dvising, assisting, or consulting
on veterans' benefits matters for compensation
by
(i) utilizing international call centers or data centers for processing veterans' personal information;
or
(ii) using an individual's personal log-in, username, or password information to access that individual's medical, financial, or government benefits information. This bill requires
a
person or legal entity to ensure that any person who has access to veterans' medical, financial, or government benefits information undergoes a background check prior to having access to that information. The background check must be conducted by a reputable source and include identity verification and a criminal records check.



R
eceiving compensation for referring an individual to another person to advise or assist the individual with a veterans' benefits matter.

WRITTEN DISCLOSURE

This bill requires a person or legal entity
advising, assisting, or consulting on
veterans' benefits matters
for compensation
to
provide
a
disclos
ure
, as described in the bill,
prior to providing any services
.
The written disclosure must appear in at least
12
-point font in an easily identifiable place in the person's agreement with the individual seeking services. The individual must sign the document in which the written disclosure appears to represent understanding of these provisions. The person
or legal
entity
offering services must retain a copy of the written disclosure while providing veterans' benefits services for compensation to the individual and for at least one year after the date on which the service agreement terminates.

VIOLATIONS

This bill provides that a violation of the bill
constitutes an unfair or deceptive act or practice affecting trade or commerce and is subject to the penalties and remedies as provided in the Tennessee Consumer Protection Act of 1977.

Each day a violation
continues is a separate violation.

APPLICABILITY

This bill
does not apply to, limit, or expand the requirements imposed on agents, attorneys, or other representatives accredited by the United States department of veterans affairs and regulated by that a
gency.

Current Bill Text

SENATE BILL 183
By Briggs

HOUSE BILL 53
By Moon

HB0053
000662
- 1 -

AN ACT to amend Tennessee Code Annotated, Title 47,
Chapter 18 and Title 58, Chapter 3, relative to
veterans.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE:
SECTION 1. Tennessee Code Annotated, Title 58, Chapter 3, is amended by adding
the following as a new section:
(a) As used in this section:
(1) "Compensation" means any money, thing of value, or economic
benefit conferred on, or received by, a person in return for services rendered, or
to be rendered, by the person or another person;
(2) "Person" means a natural person, corporation, trust, partnership,
incorporated or unincorporated association, or any other legal entity; and
(3) "Veterans' benefits matter" means the preparation, presentation, or
prosecution of a claim affecting a person who has filed, or expressed an intent to
file, a claim for a benefit, program, service, commodity, function, status, or
entitlement for which veterans, their dependents, their survivors, or other
individuals are eligible under the laws and regulations administered by the United
States department of veterans affairs or the department of veterans services.
(b) A person shall not receive compensation for services rendered in connection
with a claim filed within the one-year presumptive period of active-duty release, unless
the veteran acknowledges by signing a waiver that the veteran is within this period and
chooses to forgo the free services available.
(c)

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(1) A person seeking to receive compensation for advising, assisting, or
consulting with an individual in connection with a veterans' benefits matter shall,
before rendering the services, memorialize the specific terms under which the
amount to be paid will be determined in a written agreement signed by both
parties.
(2) The agreement under subdivision (c)(1) must specify that:
(A) Compensation is wholly contingent upon an increase in
benefits awarded; and
(B) If successful in obtaining an increase in benefits, the
compensation does not exceed five (5) times the amount of the monthly
increase in benefits awarded based on the claim.
(3) No initial or nonrefundable fee may be charged by a person advising,
assisting, or consulting an individual on a veterans' benefits matter.
(d) A person shall not guarantee, either directly or by implication, a successful
outcome, that any individual is certain to receive specific veterans' benefits, or that any
individual is certain to receive a specific level, percentage, or amount of veterans'
benefit.
(e)
(1) A person advising, assisting, or consulting on veterans' benefits
matters for compensation shall provide the following disclosure prior to providing
any services:
This business is not sponsored by, or affiliated with, the United
States Department of Veterans Affairs or the Tennessee
Department of Veterans Services, or any other federally chartered
veterans' service organization. Other organizations, including, but

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not limited to, the Tennessee Department of Veterans Services, a
local veterans' service organization, and other federally chartered
veterans' service organizations may be able to provide you with
this service free of charge. Products or services offered by this
business are not necessarily endorsed by any of these
organizations. You may qualify for other veterans' benefits
beyond the benefits for which you are receiving services here.
(2) The written disclosure must appear in at least twelve-point font in an
easily identifiable place in the person's agreement with the individual seeking
services. The individual must sign the document in which the written disclosure
appears to represent understanding of these provisions. The person offering
services must retain a copy of the written disclosure while providing veterans'
benefits services for compensation to the individual and for at least one (1) year
after the date on which the service agreement terminates.
(f) A person advising, assisting, or consulting on veterans' benefits matters for
compensation:
(1) Shall not utilize international call centers or data centers for
processing veterans' personal information;
(2) Shall not use an individual's personal log-in, username, or password
information to access that individual's medical, financial, or government benefits
information;
(3) Shall ensure that any person who has access to veterans' medical,
financial, or government benefits information undergoes a background check
prior to having access to that information. The background check must be

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conducted by a reputable source and include identity verification and a criminal
records check.
(g) A person shall not receive compensation for referring an individual to another
person to advise or assist the individual with a veterans' benefits matter.
(h)
(1) A violation of subsections (b)-(g) constitutes an unfair or deceptive act
or practice affecting trade or commerce and is subject to the penalties and
remedies as provided in the Tennessee Consumer Protection Act of 1977,
compiled in title 47, chapter 18, part 1.
(2) Each day a violation continues is a separate violation.
(i) This section does not apply to, limit, or expand the requirements imposed on
agents, attorneys, or other representatives accredited by the United States department
of veterans affairs and regulated by that agency.
SECTION 2. This act takes effect upon becoming a law, the public welfare requiring it.