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H.R. 1521House118th Congress (2023-2025)In Committee

Servicemember Credit Monitoring Enhancement Act

Sponsored by Elise M. StefanikRep. Elise M. Stefanik (R-NY)
Introduced March 9, 2023

AI-Generated Summary

Updated January 20, 2026 at 4:39 AM UTC

The Servicemember Credit Monitoring Enhancement Act amends the Fair Credit Reporting Act to broaden the definition of who qualifies for special credit‑monitoring protections. It changes the term “active duty military consumer” to include any member of the uniformed services, as defined in U.S. Code. This expansion affects servicemembers and the credit reporting agencies that must provide them monitoring services.

Key Provisions

  • Amends the definition of “uniformed services member consumer” to cover any member of the uniformed services under the Fair Credit Reporting Act.
  • Replaces the phrase “active duty military consumer” with “uniformed services member consumer” in the credit‑monitoring requirements of the Act.

Legislative Activity

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HouseIntro Referral Latest Action

Referred to the House Committee on Financial Services.

Financial Services Committee

March 9, 2023

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HouseIntro Referral

Introduced in House

March 9, 2023

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

March 9, 2023

Bill Text

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Introduced in HouseIssued March 9, 2023

I

118th CONGRESS

1st Session

H. R. 1521

IN THE HOUSE OF REPRESENTATIVES

March 9, 2023

Ms. Stefanik (for herself, Mr. Kim of New Jersey, Mr. Kelly of Mississippi, Mr. Ezell, and Mr. Khanna) 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.

1.

Short title

This Act may be cited as the Servicemember Credit Monitoring Enhancement Act.

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.