H.R. 513House110th Congress (2007-2009)Passed House

National Heroes Credit Protection Act

Introduced January 17, 2007

Legislative Activity

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15 earlier actions
SenateIntro Referral Latest Action

Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

November 6, 2007

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HouseIntro Referral

Introduced in House

January 17, 2007

HouseIntro Referral

Referred to the House Committee on Veterans' Affairs.

January 17, 2007

HouseCommittee

Referred to the Subcommittee on Economic Opportunity.

March 2, 2007

HouseCommittee

Subcommittee Hearings Held.

June 21, 2007

HouseCommittee

Subcommittee Consideration and Mark-up Session Held.

October 25, 2007

HouseCommittee

Forwarded by Subcommittee to Full Committee (Amended) .

October 25, 2007

HouseFloor

Mr. Filner moved to suspend the rules and pass the bill, as amended.

November 5, 2007 • 3:12 PM

HouseFloor

Considered under suspension of the rules. (consideration: CR H12471-12472)

November 5, 2007 • 3:13 PM

HouseFloor

DEBATE - The House proceeded with forty minutes of debate on H.R. 513.

November 5, 2007 • 3:13 PM

HouseFloor

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

November 5, 2007 • 3:21 PM

HouseFloor

Considered as unfinished business. (consideration: CR H12481-12482)

November 5, 2007 • 6:58 PM

HouseFloor

Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 349 - 0 (Roll no. 1035).(text: CR H12471)

November 5, 2007 • 7:03 PM

HouseFloor

On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 349 - 0 (Roll no. 1035). (text: CR H12471)

November 5, 2007 • 7:03 PM

HouseFloor

Motion to reconsider laid on the table Agreed to without objection.

November 5, 2007 • 7:03 PM

HouseFloor

The title of the measure was amended. Agreed to without objection.

November 5, 2007 • 7:03 PM

SenateIntro Referral

Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

November 6, 2007

Floor Debate

24 members

What members said about H.R. 513 on the floor

9 Republicans15 Democrats
Adam Smith
Rep. Adam SmithD-WA-9 · Dec 19, 2007

Madam. Speaker, due to events in my district, I was unable to vote on rollcall No. 42: Passage of H. Res. 475. Had I been present, I would have voted ``yes.'' January 22, 2007 Madam Speaker, due to…

Tom Davis
Rep. Tom DavisR-VA-11 · Apr 19, 2007

I thank my colleague for yielding. I am going to support the bill at hand because it is the only way we can implement what we just did. I want to thank my friends on the other side. I know this is a…

Phil English
Rep. Phil EnglishR-PA-3 · Apr 19, 2007

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, today the House is considering legislation that, in my view, represents the first brick in a Chinese wall of tax increases.…

John Lewis
Rep. John LewisD-GA-5 · Apr 19, 2007

Mr. Speaker, pursuant to House Resolution 317, I call up the bill, (H.R. 1906) to amend the Internal Revenue Code of 1986 to adjust the estimated tax payment safe harbor based on income for the…

Tom Price
Rep. Tom PriceR-GA-6 · Apr 19, 2007

Parliamentary inquiry, Mr. Speaker. Mr. Speaker, we have just heard the majority leader say that if either 1905 or 1906 fails, then they shall both be tabled. Mr. Speaker, can you tell me, this House…

Show 8 more
Bob Filner
Rep. Bob FilnerD-CA-51 · Nov 5, 2007

Mr. Speaker, I move to suspend the rules and pass the bill (H.R. 513) to amend the Servicemembers Civil Relief Act to enhance the protection of credit ratings of active duty military personnel who…

Eleanor Holmes Norton
Rep. Eleanor Holmes NortonD-DC · Apr 19, 2007

I thank the gentleman from Georgia for yielding. I thank the gentleman from Georgia for leading this debate. Truly, you are the man to lead this debate on this great civil rights bill that the House…

John Campbell
Rep. John CampbellR-CA-48 · Apr 19, 2007

Mr. Speaker, I thank the gentleman from Pennsylvania for yielding. The reason we have this bill and the reason we are having this debate is because the D.C. voting bill, which just passed this House,…

K. Michael Conaway
Rep. K. Michael ConawayR-TX-11 · Apr 19, 2007

Mr. Speaker, I appreciate the gentleman's yielding the time. It is interesting, and our good colleague has left, but I would wonder why we constantly talk about history from 6 years ago that…

Steny H. Hoyer
Rep. Steny H. HoyerD-MD-5 · Apr 19, 2007

I appreciate my friend's comment. Aren't you the party that said that taxes were going to be cut up until 2010 and then because of the rules they will go back into effect? Will my friend yield? If…

Robert A. Brady
Rep. Robert A. BradyD-PA-1 · Nov 5, 2007

I thank the gentleman for yielding me time. I rise in support of H.R. 513, the National Heroes Credit Protection Act. Just after the start of the Iraq war, I met a lady who served in Operation Desert…

Cliff Stearns
Rep. Cliff StearnsR-FL-6 · Nov 5, 2007

Mr. Speaker, I think we've talked about this bill, and it's a very good bill. I thought I might take from my colleagues and just read the summary of it just to remind ourselves that H.R. 513 is to…

Paul D. Ryan
Rep. Paul D. RyanR-WI-1 · Apr 19, 2007

Mr. Speaker, will the gentleman yield? I thank the gentleman for yielding. I simply want to rise to say that the bill that just passed, which I actually supported because I think it was the right…

Show 11 more
Baron P. Hill
Rep. Baron P. HillD-IN-9 · Apr 19, 2007

Mr. Speaker, I would like to enter into a colloquy with the distinguished majority leader. Mr. Leader, the minority side has been talking about PAYGO rules and that somehow we have violated them.…

Timothy V. Johnson
Rep. Timothy V. JohnsonR-IL-15 · Nov 6, 2007

Madam Speaker, unfortunately yesterday, November 5, 2007, I was unable to cast my vote on Closing Portions of H.R. 3222, H.R. 513, and H. Res. 744 and wish the record to reflect my intentions had I…

Peter J. Visclosky
Rep. Peter J. ViscloskyD-IN-1 · Nov 6, 2007

Madam Speaker, on Monday, November 5, 2007, I was absent from the House due to a family illness an therefore missed rollcall votes 1034 through 1036. Had I been present for rollcall 1034, H.R. 3222,…

W. Todd Akin
Rep. W. Todd AkinR-MO-2 · Nov 6, 2007

Madam Speaker, I was unable to participate in the following votes. Had I been present, I would have voted as follows: November 5, 2007: rollcall vote No. 1034, on motion to close portions of the…

Elijah E. Cummings
Rep. Elijah E. CummingsD-MD-7 · Nov 7, 2007

Madam Speaker, on November 5, 2007, due to personal obligations, I missed the following recorded votes: Roll No. 1034, on the Motion to Close Portions of the Conference Making Appropriations for the…

Bruce L. Braley
Rep. Bruce L. BraleyD-IA-1 · Nov 6, 2007

Madam Speaker, due to a flight delay on my return trip from Iowa to Washington on November 5, 2007, I unavoidably missed rollcall votes Nos. 1034, 1035, and 1036. Had I been present, on rollcall vote…

Phil Hare
Rep. Phil HareD-IL-17 · Nov 8, 2007

Madam Speaker, on November 5, 2007, I was unavoidably detained. Had I been present, I would have voted as follows: on rollcall No. 1034, On Closing Portions of the Conference for Department of…

Janice D. Schakowsky
Rep. Janice D. SchakowskyD-IL-9 · Nov 6, 2007

Madam Speaker, on November 5, I was detained in my district due to travel delays, and missed the votes on passage of the Motion to Close Portions of the Conference to H.R. 3222, the FY08 Department…

Gene Taylor
Rep. Gene TaylorD-MS-4 · Apr 19, 2007

Mr. Speaker, I won't need 3 minutes. I just want to applaud the conversion of my Republican colleagues. Six years ago the Nation was breaking even on an annual basis. They came to town with a new…

Stephanie Herseth Sandlin

Madam Speaker, due to airline delays, on November 5, 2007, I missed the vote on rollcall No. 1034 (the Motion to Close Portions of the Conference--H.R. 3222); rollcall No. 1035 (H.R. 513, to enhance…

John P. Murtha
Rep. John P. MurthaD-PA-12 · Nov 5, 2007

Mr. Speaker, pursuant to clause 12 of rule XXII, I move that meetings of the conference between the House and the Senate on H.R. 3222 be closed to the public at such times as classified national…

Bill Text

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Referred in SenateIssued November 6, 2007

IIB

110th CONGRESS

1st Session

H. R. 513

IN THE SENATE OF THE UNITED STATES

November 6, 2007

Received; read twice and referred to the Committee on Veterans' Affairs

AN ACT

To amend the Servicemembers Civil Relief Act to enhance the protection of credit ratings of members of the reserve component who serve on active duty in support of a contingency operation, and for other purposes.

1.

Short title

This Act may be cited as the National Heroes Credit Protection Act.

2.

Protection of credit ratings of members of the reserve components deployed in support of contingency operations

(a)

In general

Title II of the Servicemembers Civil Relief Act (50 U.S.C. App. 521 et seq.) is amended by adding at the end the following new section:

208.

Protection of credit ratings of members of reserve components deployed in support of contingency operations

(a)

Request for military service deployment explanation

At any time during or after serving on active duty in support of a contingency operation, an eligible servicemember may request that a consumer reporting agency include a military service deployment explanation with respect to a qualifying account in the file of that servicemember at the consumer reporting agency.

(b)

Responsibilities of consumer reporting agencies

Upon receiving a request from an eligible servicemember under subsection (a), a consumer reporting agency shall—

(1)

include a military service deployment explanation with respect to a qualifying account in the file of that servicemember and provide the military service deployment explanation to each person who requests the credit score or consumer report of the servicemember;

(2)

develop and maintain procedures for the referral to other such agencies of any military service deployment explanation received by the agency; and

(3)

notify the servicemember in writing that the inclusion of any explanation or notation in the file of the servicemember could potentially negatively affect the credit rating of the servicemember and may not mitigate a low credit score.

(c)

Duty of reseller to reconvey military service deployment explanation

A reseller shall include in any report of the reseller on a servicemember any military service deployment explanation placed in the file of that servicemember by another consumer reporting agency pursuant to this section.

(d)

Acknowledgment of military service deployment explanation

Any prospective user of a consumer credit report containing a military service deployment explanation shall acknowledge such military service deployment explanation.

(e)

Definitions

For the purposes of this section:

(1)

The term eligible servicemember means a member of a reserve component who serves on active duty outside the continental United States in support of a contingency operation under a call or order specifying a period of such service of not less than 180 days (or who enters such service under a call or order specifying a period of 180 days or less and who, without a break in service, receives orders extending the period of such service to a period of not less than 180 days).

(2)

The term military service deployment explanation means a code generated by a consumer reporting agency that is delivered in conjunction with a consumer report or credit score to a user of the consumer report or credit score to indicate that the consumer report or credit score of the consumer was adversely affected during a period in which the consumer was a servicemember serving on active duty outside the continental United States in support of a contingency operation.

(3)

The term contingency operation has the meaning given that term under section 101(a)(13) of title 10, United States Code.

(4)

The term active duty has the meaning given that term under section 101(d)(1) of title 10, United States Code.

(5)

The term consumer reporting agency has the meaning given that term under section 603 of the Fair Credit Reporting Act.

(6)

The term reseller has the meaning given that term under section 603 of the Fair Credit Reporting Act.

(7)

The term qualifying account means an account that was opened by a servicemember before the date on which the servicemember was deployed outside the continental United States in support of a contingency operation, but only with respect to obligations incurred before such date.

.

(b)

Clerical amendment

The table of contents in section 1(b) of such Act is amended by inserting after the item relating to section 207 the following new item:

Sec. 208. Protection of credit ratings of certain servicemembers.

.

(c)

Military service deployment explanation not to affect certain future transactions

Section 108 of such Act (50 U.S.C. App. 518) is amended in the matter preceding paragraph (1), by inserting after liability of that servicemember the following: , or the inclusion of a military service deployment explanation in a file of the servicemember at a consumer reporting agency pursuant to section 208,.

Passed the House of Representatives November 5, 2007.

Lorraine C. Miller,

Clerk