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S 2074
Passed Senate Re-checks Congress.gov for new actions and updates the bill's status, and fills in any sponsors, committees, or related bills that are missing. It does not re-pull sponsors/cosponsors/committees/related — those rarely change — and it skips all work if nothing has changed upstream, so it's cheap to click.

Servicemembers’ Credit Monitoring Enhancement Act

Introduced Jun 12, 2025

Latest action (Mar 16, 2026) Held at the desk.

Referred to
Banking, Housing, and Urban Affairs Committee
Policy area
Finance and Financial Sector
Issues
DefenseEconomy & Taxes
Legislative subjects (3)
Consumer affairsCredit and credit marketsMilitary personnel and dependents

Summary
  • Amend the Fair Credit Reporting Act to expand credit monitoring requirements to all members of the armed forces, regardless of duty status.
  • Replace the definition of "active duty military consumer" with "armed forces member consumer" throughout the Fair Credit Reporting Act.
  • Make these amendments effective 1 year after enactment.

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)
3 cosponsors

Actions (8)
  1. Mar 16, 2026 Held at the desk. · house
  2. Mar 16, 2026 Received in the House. · house
  3. Mar 16, 2026 Message on Senate action sent to the House. · senate
  4. Mar 5, 2026 Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878) · senate
  5. Mar 5, 2026 Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
  6. Mar 5, 2026 Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. · senate
  7. Jun 12, 2025 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
  8. Jun 12, 2025 Introduced in Senate

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).

  • HR 10184 — Consumer Financial Protection Accountability and Reform Act of 2026 (shares 2 subjects)
  • HR 3159 — Improving SCRA Benefit Utilization Act (shares 2 subjects)
  • HR 1 — An act to provide for reconciliation pursuant to title II of H. Con. Res. 14. (shares 2 subjects)
  • HR 1654 — CUTS Act (shares 2 subjects)
  • SRES 662 — A resolution honoring the life and service of United States Marine Corps veteran Nicholas Douglas Quets, expressing condolences to his family, and condemning cartel violence. (shares 1 subject)
  • HR 10167 — Common Cents Act (shares 1 subject)
  • HR 2481 — Romance Scam Prevention Act (shares 1 subject)
  • HR 6152 — Foreign Robocall Elimination Act (shares 1 subject)

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.

  • HR 5923 — Servicemember Credit Monitoring Enhancement Act · Introduced Nov 4, 2025 · Cong. 119 88%
  • S 2454 — Fair Debt Collection Practices for Servicemembers Act · Introduced Jul 24, 2025 · Cong. 119 70%
  • S 4801 — Duty Status Reform Act · Introduced Jun 16, 2026 · Cong. 119 68%
  • HR 9639 — FAIR Credit Act · Introduced Jul 21, 2026 · Cong. 119 67%
  • HR 3159 — Improving SCRA Benefit Utilization Act · Introduced May 14, 2026 · Cong. 119 66%
  • S 1465 — Credit Access and Inclusion Act of 2025 · Introduced Apr 10, 2025 · Cong. 119 65%

Text versions (2)
  • Engrossed in Senate · Mar 5, 2026
  • Introduced in Senate · Jun 12, 2025

Full text

AN 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.

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 “Servicemembers’ Credit Monitoring Enhancement Act”.

SEC. 2. CREDIT MONITORING.

(a) In General.—The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) is amended—

(1) in section 605A(k) (15 U.S.C. 1681c-1(k))—

(A) by striking paragraph (1) and inserting the following:

“(1) Definitions.—In this subsection:

“(A) Armed forces.—The term ‘armed forces’ has the meaning given the term in section 101(a) of title 10, United States Code.

“(B) Armed forces member consumer.—The term ‘armed forces member consumer’ means a consumer who, regardless of duty status, is a member of the armed forces.”; and

(B) in paragraph (2)(A), by striking “active duty military consumer” and inserting “armed forces member consumer”; and

(2) in section 625(b)(1)(K) (15 U.S.C. 1681t(b)(1)(K)), by striking “active duty military consumers” and inserting “armed forces member consumers”.

(b) Effective Date.—The amendments made by subsection (a) shall take effect on the date that is 1 year after the date of enactment of this Act.

Passed the Senate March 5, 2026.

Attest:

Secretary. 119th CONGRESS

2d Session

S. 2074

AN 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.

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