# 119-hr-5923: Servicemember Credit Monitoring Enhancement Act

119-hr-5923, Servicemember Credit Monitoring Enhancement Act, is a 119th Congress bill sponsored by Rep. Stefanik, Elise M. [R-NY-21] (R-NY); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-5923
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-5923
- Congress: 119
- Title: Servicemember Credit Monitoring Enhancement Act
- Status: introduced
- Introduced: 2025-11-04
- Sponsor: Rep. Stefanik, Elise M. [R-NY-21] (R-NY)
- Cosponsors: 2
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Would expand credit-monitoring protections to all members of the uniformed services.** The bill would amend Section 605A(k) of the Fair Credit Reporting Act to replace the phrase 'active duty military consumer' with a new defined term, 'uniformed services member consumer', and to define that term by reference to 10 U.S.C. 101(a), so the statute's credit-monitoring rules apply to anyone who meets the broader uniformed services definition.

## Cosponsors (2)

- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2025-11-04T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-11-17T00:00:00.000Z

## Provisions PRIA read

- More credit protection for service members: benefit, low. If enacted, you would be covered by credit-monitoring protections if you are a member of the uniformed services. The bill would define "uniformed services member consumer" using 10 U.S.C. §101(a). It would replace the phrase "active duty military consumer" with that new term in the credit-monitorin…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-4669: FEMA Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act

## Sources
- [119-hr-5923 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/5923)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [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)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-5923 (as of 2026-04-21).