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Servicemembers’ 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 to include all members of the armed forces, regardless of their duty status, rather than only active duty military members. The bill changes the definition of "active duty military consumer" to "armed forces member consumer" to include reserve members, National Guard members, and other armed forces personnel. These amendments take effect one year after the bill's 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)
- Sen. Klobuchar, Amy [D-MN] (D-MN)
3 cosponsors
- Sen. Cramer, Kevin [R-ND] (R-ND)
- Sen. Daines, Steve [R-MT] (R-MT)
- Sen. Kim, Andy [D-NJ] (D-NJ)
Actions (8)
- Mar 16, 2026 Held at the desk. · house
- Mar 16, 2026 Received in the House. · house
- Mar 16, 2026 Message on Senate action sent to the House. · senate
- Mar 5, 2026 Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878) · senate
- Mar 5, 2026 Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
- Mar 5, 2026 Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent. · senate
- Jun 12, 2025 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. · senate
- Jun 12, 2025 Introduced in Senate
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Full text
IN THE SENATE OF THE UNITED STATES
June 12, 2025
Ms. Klobuchar (for herself, Mr. Cramer, Mr. Kim, and Mr. Daines) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs
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 “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. <all>
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