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Improving SCRA Benefit Utilization Act
To amend title 10, United States Code, to include training regarding financial protections under the Servicemembers Civil Relief Act in certain financial literacy training programs for members of the Armed Forces, and for other purposes.
Summary
This bill improves servicemembers' awareness and use of financial protections under the Servicemembers Civil Relief Act (SCRA). It requires the military to include information about SCRA protections, particularly interest rate limits, in financial literacy training programs for active duty and reserve personnel. The bill ensures that servicemembers are notified of their SCRA benefits when they first enter service and when reserve members are called to active duty. It expands creditor obligations to apply interest rate caps to all servicemember debts incurred before military service and requires creditors to provide multiple ways for servicemembers to submit documents needed to claim these protections online, by mail, or by fax.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
18 cosponsors
- Del. Moylan, James C. [R-GU-At Large] (R-GU)
- Rep. Bell, Wesley [D-MO-1] (D-MO)
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA)
- Rep. Brownley, Julia [D-CA-26] (D-CA)
- Rep. Carson, André [D-IN-7] (D-IN)
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] (D-FL)
- Rep. Davis, Donald G. [D-NC-1] (D-NC)
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA)
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA)
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA)
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ)
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ)
- Rep. Horsford, Steven [D-NV-4] (D-NV)
- Rep. Moulton, Seth [D-MA-6] (D-MA)
- Rep. Salinas, Andrea [D-OR-6] (D-OR)
- Rep. Schrier, Kim [D-WA-8] (D-WA)
- Rep. Strickland, Marilyn [D-WA-10] (D-WA)
- Rep. Titus, Dina [D-NV-1] (D-NV)
Money behind the sponsor
Top reported contributors to April Mcclain Delaney’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- FORBRIGHT BANK $17,665
- GALLATIN POINT CAPITAL $13,200
- GOLDENTREE ASSET MANAGEMENT $13,200
- MONUMENTAL SPORTS & ENTERTAINMENT $13,200
- GEORGETOWN UNIVERSITY $10,100
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for April Mcclain Delaney → · Outside spending →
Actions (8)
- May 14, 2026 Ordered to be Reported in the Nature of a Substitute by Voice Vote. · house
- May 14, 2026 Committee Consideration and Mark-up Session Held · house
- Feb 24, 2026 Forwarded by Subcommittee to Full Committee by Voice Vote. · house
- Feb 24, 2026 Subcommittee Consideration and Mark-up Session Held · house
- Jan 21, 2026 Subcommittee Hearings Held · house
- Jan 21, 2026 Referred to the Subcommittee on Economic Opportunity. · house
- May 1, 2025 Referred to the Committee on Veterans' Affairs, and in addition to the Committee on Armed Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. · house
- May 1, 2025 Introduced in House
More bills on these subjects (8)
Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
May 1, 2025
Mrs. McClain Delaney (for herself, Mr. Bishop, Ms. Brownley, Mr. Carson, Mr. Davis of North Carolina, Ms. DelBene, Mr. Deluzio, Mr. Fitzpatrick, Mr. Gottheimer, Mr. Moulton, Mr. Moylan, Ms. Strickland, and Ms. Titus) introduced the following bill; which was referred to the Committee on Veterans’ Affairs, and in addition to the Committee on Armed Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned
A BILL
To amend title 10, United States Code, to include training regarding financial protections under the Servicemembers Civil Relief Act in certain financial literacy training programs for members of the Armed Forces, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Improving SCRA Benefit Utilization Act”.
SEC. 2. FINANCIAL LITERACY TRAINING REGARDING THE SERVICEMEMBERS CIVIL RELIEF ACT.
Section 992 of title 10, United States Code, is amended—
(1) in subsection (a)(1)—
(A) by redesignating subparagraphs (D) and (E) as subparagraphs (E) and (F), respectively; and
(B) by inserting, after subparagraph (C), the following new subparagraph (D):
“(D) consumer financial protections afforded to members and their dependents under the law, including protections regarding interest rate limits under section 207 of the Servicemembers Civil Relief Act (50 U.S.C. 3937);”; and
(2) in subsection (d)(1), by inserting “(including with regards to knowledge and use of protections regarding interest rates under section 207 of the Servicemembers Civil Relief Act (50 U.S.C. 3937))” after “preparedness”.
SEC. 3. NOTIFICATION OF BENEFITS UNDER THE SERVICEMEMBERS CIVIL RELIEF ACT TO SERVICEMEMBERS CALLED OR ORDERED TO ACTIVE DUTY OR TO ACTIVE SERVICE.
Section 105 of the Servicemembers Civil Relief Act (50 U.S.C. 3915) is amended—
(1) by striking the period at the end and inserting “, including—”; and
(2) by adding at the end the following new paragraphs:
“(1) at the time a person first enters military service; and
“(2) in the case of a person who is a member of a reserve component—
“(A) at the time the person first enters service in the reserve component; and
“(B) at any time when the person is mobilized or otherwise individually called or ordered to active duty for a period of more than 30 days.”.
SEC. 4. FINANCIAL INSTITUTION OBLIGATION TO APPLY MAXIMUM RATE OF INTEREST ON ALL SERVICEMEMBER DEBTS INCURRED BEFORE MILITARY SERVICE.
Section 207(b) of the Servicemembers Civil Relief Act (50 U.S.C. 3937) is amended—
(1) in paragraph (2)—
(A) by striking “the creditor shall treat the debt in accordance with subsection (a), effective as of the date on which the servicemember is called to military service.” and inserting “the creditor shall—”; and
(B) by adding at the end the following new subparagraphs:
“(A) treat the debt in accordance with subsection
(a), effective as of the date on which the servicemember is called to military service; and
“(B) treat any other obligation or liability of the servicemember to the creditor in accordance with subsection (a), whether or not such obligation or liability was specifically mentioned in a notice provided by the servicemember under paragraph
(1)(A).”; and
(2) by adding at the end the following new paragraph:
“(3) Submission of documents.—A creditor shall provide all necessary mechanisms to ensure that a servicemember is able to submit any documents required in order for an obligation or liability of the servicemember to be subject to the interest rate limitation in subsection (a) either online, by mail, or by fax, at the election of the servicemember.”. <all>
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