# 119-hr-3159: Improving SCRA Benefit Utilization Act

119-hr-3159, Improving SCRA Benefit Utilization Act, is a 119th Congress bill sponsored by Rep. McClain Delaney, April [D-MD-6] (D-MD); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3159
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3159
- Congress: 119
- Title: Improving SCRA Benefit Utilization Act
- Status: in_committee
- Introduced: 2025-05-01
- Sponsor: Rep. McClain Delaney, April [D-MD-6] (D-MD)
- Cosponsors: 18
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**This bill strengthens servicemembers' consumer financial protections under the Servicemembers Civil Relief Act (SCRA), focusing on **interest-rate limits** and making it easier for members to use them.** It adds those protections to military training, requires additional notice timing for reserve members, and changes creditor procedures so debts and related obligations are treated consistently when a member is called to service. - Service members and their dependents gain clearer access to SCRA interest-rate caps. Creditors must treat pre-service debts and related obligations under the cap as of the date the member is called to service, and servicemembers can submit necessary documents online, by mail, or by fax to qualify obligations. - Reserve component members must receive SCRA notice when they first enter reserve service and again if mobilized or ordered to active duty for more than 30 days. - Military training and preparedness under 10 U.S.C. 992 must include consumer financial protections and knowledge about interest-rate limits so members can identify and use these rights.

## Cosponsors (18)

- Rep. Bishop, Sanford D. [D-GA-2] (D-GA), 2025-05-01T00:00:00.000Z
- Rep. Brownley, Julia [D-CA-26] (D-CA), 2025-05-01T00:00:00.000Z
- Rep. Carson, André [D-IN-7] (D-IN), 2025-05-01T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2025-05-01T00:00:00.000Z
- Rep. DelBene, Suzan K. [D-WA-1] (D-WA), 2025-05-01T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2025-05-01T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-05-01T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2025-05-01T00:00:00.000Z
- Rep. Moulton, Seth [D-MA-6] (D-MA), 2025-05-01T00:00:00.000Z
- Del. Moylan, James C. [R-GU-At Large] (R-GU), 2025-05-01T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2025-05-01T00:00:00.000Z
- Rep. Titus, Dina [D-NV-1] (D-NV), 2025-05-01T00:00:00.000Z
- Rep. Cherfilus-McCormick, Sheila [D-FL-20] (D-FL), 2025-05-15T00:00:00.000Z
- Rep. Schrier, Kim [D-WA-8] (D-WA), 2025-05-29T00:00:00.000Z
- Rep. Hamadeh, Abraham J. [R-AZ-8] (R-AZ), 2025-07-02T00:00:00.000Z
- Rep. Bell, Wesley [D-MO-1] (D-MO), 2025-07-17T00:00:00.000Z
- Rep. Horsford, Steven [D-NV-4] (D-NV), 2025-10-17T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2026-04-09T00:00:00.000Z

## Provisions PRIA read

- Stronger SCRA protections for servicemembers: benefit, medium. If enacted, creditors would have to limit interest on a servicemember's pre-service debts to 6% from the date the member is called to service. The 6% limit would also apply to other debts you owe the same creditor, even if you did not list them. Creditors would have to accept documents online, by m…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1065: Protect Our Letter Carriers Act of 2025
- 119-hr-5309: Congressional Tribute to Constance Baker Motley Act of 2025
- 119-hr-7973: Momnibus Act

## Sources
- [119-hr-3159 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3159)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1065: Protect Our Letter Carriers Act of 2025](https://policyrisk.com/legislation/119-hr-1065)
- [119-hr-5309: Congressional Tribute to Constance Baker Motley Act of 2025](https://policyrisk.com/legislation/119-hr-5309)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3159 (as of 2026-09-21).