This bill establishes a 45-calendar-day deadline for loan servicers to process applications from veterans seeking to assume VA-guaranteed home loans, and requires the VA to update guidance making clear this is a mandatory requirement rather than a guideline. The legislation affects veterans trying to take over existing VA loans from current owners, as well as loan servicers who handle these transactions. Within 30 days of the law's enactment, the VA must communicate to servicers that they cannot discourage veterans from assuming loans by suggesting the process will take longer than 45 days. The bill also directs the VA Inspector General to conduct a comprehensive assessment within 90 days and submit a detailed report to Congress within 18 months examining whether servicers are meeting the deadline, comparing denial rates between loan assumptions and new loans, investigating potential discrimination, and identifying operational barriers to timely processing. The Inspector General must also make anonymized data from this assessment publicly available.