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Servicemember Credit Monitoring Enhancement Act
To amend the Fair Credit Reporting Act to expand the definition of an active duty military consumer for purposes of certain credit monitoring requirements, and for other purposes.
Summary
This bill amends the Fair Credit Reporting Act to expand credit monitoring protections for military servicemembers. The bill changes the definition of who qualifies for credit monitoring requirements from "active duty military consumer" to "uniformed services member consumer," broadening eligibility to include all members of the uniformed services as defined under federal law. This expansion would make more servicemembers, such as those in the reserves and National Guard, eligible for credit monitoring protections under the Fair Credit Reporting Act.
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)
2 cosponsors
Actions (2)
- Nov 4, 2025 Referred to the House Committee on Financial Services. · house
- Nov 4, 2025 Introduced in House
Similar bills (6)
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Text versions (1)
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Full text
IN THE HOUSE OF REPRESENTATIVES
November 4, 2025
Ms. Stefanik (for herself and Ms. Bynum) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Fair Credit Reporting Act to expand the definition of an active duty military consumer for purposes of certain credit monitoring requirements, 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 “Servicemember Credit Monitoring Enhancement Act”.
SEC. 2. CREDIT MONITORING.
Section 605A(k) of the Fair Credit Reporting Act (15 U.S.C. 1681c- 1(k)) is amended—
(1) by amending paragraph (1) to read as follows:
“(1) Uniformed services member consumer defined.—In this subsection, the term ‘uniformed services member consumer’ means a consumer who is a member of the uniformed services (as such term is defined under section 101(a) of title 10, United States Code).”; and
(2) in paragraph (2)(A), by striking “active duty military consumer” and inserting “uniformed services member consumer”. <all>
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