# 114-hr-5593: Protecting Veterans Credit Act of 2016

114-hr-5593, Protecting Veterans Credit Act of 2016, is a 114th Congress bill sponsored by Rep. Delaney, John K. [D-MD-6] (D-MD); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-5593
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-5593
- Congress: 114
- Title: Protecting Veterans Credit Act of 2016
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2016-06-28
- Sponsor: Rep. Delaney, John K. [D-MD-6] (D-MD)
- Cosponsors: 18
- Policy area: Armed Forces and National Security
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Protecting Veterans Credit Act of 2016 This bill amends the Fair Credit Reporting Act to exclude from a consumer report: (1) for one year, information related to a veteran's choice medical program (program) debt; and (2) information related to a fully paid or settled program debt that had been characterized as delinquent, charged off, or in collection. The Consumer Credit Protection Act is amended to provide a mechanism for veterans to dispute the inclusion of program debt already on a credit report. A consumer reporting agency shall, within 30 days after receiving notice of such dispute, delete such information from the veteran's file and notify the furnisher and the veteran. Within five days after the initial communication with a veteran, a debt collector shall, unless the appropriate information is contained in the initial communication or the veteran has paid the debt, send the veteran a written notice containing specified debt-related information, including information concerning debt amount, creditors, the insurance company involved, and the hospital or medical care provider. If a veteran notifies the debt collector within such one-year period that the program debt is disputed or that the veteran requests the name and address of the original creditor, the debt collector shall cease collection until debt verification or the name and address of the original creditor is obtained.

## Cosponsors (18)

- Rep. Rush, Bobby L. [D-IL-1] (D-IL), 2016-12-16T00:00:00.000Z
- Rep. Hultgren, Randy [R-IL-14] (R-IL), 2016-06-28T00:00:00.000Z
- Rep. Walorski, Jackie [R-IN-2] (R-IN), 2016-06-28T00:00:00.000Z
- Rep. Sinema, Kyrsten [D-AZ-9] (D-AZ), 2016-06-28T00:00:00.000Z
- Rep. Kuster, Ann M. [D-NH-2] (D-NH), 2016-07-07T00:00:00.000Z
- MICHAEL HONDA (D-CA), 2016-07-12T00:00:00.000Z
- Rep. Rouzer, David [R-NC-7] (R-NC), 2016-07-12T00:00:00.000Z
- Rep. Vargas, Juan [D-CA-52] (D-CA), 2016-07-13T00:00:00.000Z
- Rep. O'Rourke, Beto [D-TX-16] (D-TX), 2016-07-13T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2016-07-14T00:00:00.000Z
- Rep. Ruppersberger, C. A. Dutch [D-MD-2] (D-MD), 2016-07-14T00:00:00.000Z
- Rep. Young, Don [R-AK-At Large] (R-AK), 2016-07-14T00:00:00.000Z
- Rep. Stefanik, Elise M. [R-NY-21] (R-NY), 2016-07-18T00:00:00.000Z
- WALTER JONES (R-NC), 2016-09-08T00:00:00.000Z
- Rep. Himes, James A. [D-CT-4] (D-CT), 2016-12-16T00:00:00.000Z
- Rep. Lowenthal, Alan S. [D-CA-47] (D-CA), 2016-12-16T00:00:00.000Z
- Rep. DeFazio, Peter A. [D-OR-4] (D-OR), 2016-12-16T00:00:00.000Z
- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2016-12-16T00:00:00.000Z

## Related bills

- 114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015
- 114-hr-1786: James Zadroga 9/11 Health and Compensation Reauthorization Act
- 114-hr-1475: Korean War Veterans Memorial Wall of Remembrance Act
- 114-hr-3268: PAST Act
- 114-hr-3119: Palliative Care and Hospice Education and Training Act
- 114-hr-1769: Toxic Exposure Research Act of 2016

## Sources
- [114-hr-5593 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/5593)

## Related
- [114-hr-2737: Filipino Veterans of World War II Congressional Gold Medal Act of 2015](https://policyrisk.com/legislation/114-hr-2737)
- [114-hr-1786: James Zadroga 9/11 Health and Compensation Reauthorization Act](https://policyrisk.com/legislation/114-hr-1786)
- [114-hr-1475: Korean War Veterans Memorial Wall of Remembrance Act](https://policyrisk.com/legislation/114-hr-1475)
- [114-hr-3268: PAST Act](https://policyrisk.com/legislation/114-hr-3268)
- [114-hr-3119: Palliative Care and Hospice Education and Training Act](https://policyrisk.com/legislation/114-hr-3119)
- [114-hr-1769: Toxic Exposure Research Act of 2016](https://policyrisk.com/legislation/114-hr-1769)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-5593 (as of 2025-11-18).