# 119-s-1550: Improving SCRA Benefit Utilization Act of 2025

119-s-1550, Improving SCRA Benefit Utilization Act of 2025, is a 119th Congress bill sponsored by Sen. Ossoff, Jon [D-GA] (D-GA); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-s-1550
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-1550
- Congress: 119
- Title: Improving SCRA Benefit Utilization Act of 2025
- Status: introduced
- Introduced: 2025-05-01
- Sponsor: Sen. Ossoff, Jon [D-GA] (D-GA)
- Cosponsors: 1
- Policy area: Armed Forces and National Security
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**This bill would make SCRA consumer protections a required part of military financial literacy and strengthen notices and creditor rules so service members can access interest-rate relief more easily.** - Service members and their families would get mandatory training on Servicemembers Civil Relief Act protections, including the SCRA interest-rate limit, so they can identify and use those benefits. - Reserve component members would receive SCRA notices when they first join the reserves and again if mobilized or ordered to active duty for more than 30 days. - Creditors would have to treat debts as protected from the date a service member is called to military service and apply protections to other obligations even if those obligations were not named in prior notices. - Creditors must provide online, mail, or fax options so service members can submit documents needed to secure the SCRA interest-rate cap.

## Cosponsors (1)

- Sen. Scott, Rick [R-FL] (R-FL), 2025-05-01T00:00:00.000Z

## Provisions PRIA read

- Lower interest for servicemembers' debts: benefit, medium. If enacted, creditors would have to apply the SCRA 6% interest cap to debts from the date you were called to service. The cap would cover other obligations to the same creditor even if you did not list them in your notice. Creditors would also have to let you submit required documents online, by ma…
- More SCRA notices for service members: benefit, low. If enacted, the military would have to give you written notice about SCRA benefits when you first enter service. If you join a reserve component, you would get notice when you first enter reserve service. Reservists would get another notice if mobilized or ordered to active duty for more than 30 da…
- Teach military members about SCRA protections: benefit, low. If enacted, required Department of Defense financial training for service members would include consumer protections under the SCRA. Training would specifically cover the SCRA 6% interest-rate limit and how members and their dependents can use that protection.

## Related bills

- 119-s-1748: Kids Online Safety Act
- 119-s-617: OPIOIDS Act
- 119-s-554: United States-Israel Defense Partnership Act of 2025
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-1241: Sanctioning Russia Act of 2025
- 119-s-556: Enhanced Iran Sanctions Act of 2025

## Sources
- [119-s-1550 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/1550)

## Related
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-617: OPIOIDS Act](https://policyrisk.com/legislation/119-s-617)
- [119-s-554: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-s-554)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [119-s-556: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-s-556)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-1550 (as of 2026-04-21).