# 115-hr-4313: Fair Credit Reporting for Servicemembers Act

115-hr-4313, Fair Credit Reporting for Servicemembers Act, is a 115th Congress bill sponsored by Rep. Sánchez, Linda T. [D-CA-38] (D-CA); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-4313
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-4313
- Congress: 115
- Title: Fair Credit Reporting for Servicemembers Act
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2017-11-08
- Sponsor: Rep. Sánchez, Linda T. [D-CA-38] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Fair Credit Reporting for Servicemembers Act This bill amends the Fair Credit Reporting Act to: (1) specify that to be considered an active duty military consumer, a consumer must be assigned away from the usual duty station for a period of at least 90 days, and (2) allow a consumer to provide proof to a consumer reporting agency that an adverse credit report item occurred while on active duty. The bill requires a consumer reporting agency to provide an active duty military consumer's relevant active duty status on adverse credit report items. A consumer reporting agency must issue alerts to an active duty military consumer regarding negative information received about that consumer. The bill expresses the sense of Congress that users of consumer reports should take into account active duty military status when evaluating a consumer's creditworthiness.

## Related bills

- 115-hr-7300: Taxpayer Penalty Protection Act of 2018
- 115-hr-7167: Restoring the Public Trust Act
- 115-hr-7150: H-4 Employment Protection Act of 2018
- 115-hr-6929: Strengthening Social Security Act of 2018
- 115-hr-6909: Lady Liberty Act of 2018
- 115-hr-6869: Violence Against Women Veterans Act

## Sources
- [115-hr-4313 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/4313)

## Related
- [115-hr-7300: Taxpayer Penalty Protection Act of 2018](https://policyrisk.com/legislation/115-hr-7300)
- [115-hr-7167: Restoring the Public Trust Act](https://policyrisk.com/legislation/115-hr-7167)
- [115-hr-7150: H-4 Employment Protection Act of 2018](https://policyrisk.com/legislation/115-hr-7150)
- [115-hr-6929: Strengthening Social Security Act of 2018](https://policyrisk.com/legislation/115-hr-6929)
- [115-hr-6909: Lady Liberty Act of 2018](https://policyrisk.com/legislation/115-hr-6909)
- [115-hr-6869: Violence Against Women Veterans Act](https://policyrisk.com/legislation/115-hr-6869)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-4313 (as of 2025-11-18).