IN SB0231

Prohibits receiving compensation for preparing, presenting, or advising on veterans' benefits claims unless accredited under federal law (38 CFR 14.629), and bans referral fees for veterans' benefits services

Bans guaranteeing specific benefits outcomes, charging excessive or unreasonable fees, and conditioning fee repayment on joint account access or mandatory electronic funds transfers

Requires written agreements signed by both parties before rendering compensated services, with all fee terms complying with federal regulations (38 CFR 14.636)

Mandates specific oral and written disclosures stating the business is not affiliated with the VA or veterans' service organizations, and that free services may be available elsewhere

Violations constitute deceptive acts under Indiana's consumer protection laws, with enhanced penalties for violations involving senior consumers including civil penalties up to $10,000 per knowing violation