Servicemember Credit Monitoring Enhancement Act

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 5923 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 5923

 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.


_______________________________________________________________________


                    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''.
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