# 119-s-2074: Servicemembers’ Credit Monitoring Enhancement Act

119-s-2074, Servicemembers’ Credit Monitoring Enhancement Act, is a 119th Congress bill sponsored by Sen. Klobuchar, Amy [D-MN] (D-MN); status passed_senate; PRIA reads it as touching household money (as of 2026-10-01).

- Canonical: https://policyrisk.com/legislation/119-s-2074
- As of: 2026-10-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-2074
- Congress: 119
- Title: Servicemembers’ Credit Monitoring Enhancement Act
- Status: passed_senate
- Introduced: 2025-06-12
- Sponsor: Sen. Klobuchar, Amy [D-MN] (D-MN)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-01

## Summary

**This bill would expand credit monitoring protections to all armed forces members**, replacing the phrase "active duty military consumer" with a broader "armed forces member consumer" across the Fair Credit Reporting Act.

## Cosponsors (3)

- Sen. Cramer, Kevin [R-ND] (R-ND), 2025-06-12T00:00:00.000Z
- Sen. Kim, Andy [D-NJ] (D-NJ), 2025-06-12T00:00:00.000Z
- Sen. Daines, Steve [R-MT] (R-MT), 2025-06-12T00:00:00.000Z

## Provisions PRIA read

- Credit monitoring for all service members: benefit, low. If enacted, any member of the armed forces would get credit‑monitoring protections under the Fair Credit Reporting Act. This would no longer be limited to people on active duty. Credit bureaus would have to apply these protections to all armed forces members. The change would start one year after t…

## Related bills

- 119-s-1748: Kids Online Safety Act
- 119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026
- 119-s-4744: Take Care of America’s Veterans Act
- 119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act
- 119-s-1552: Living Donor Protection Act of 2025
- 119-s-1241: Sanctioning Russia Act of 2025

## Sources
- [119-s-2074 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/2074)

## Related
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-3923: Weather Research and Forecasting Innovation Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3923)
- [119-s-4744: Take Care of America’s Veterans Act](https://policyrisk.com/legislation/119-s-4744)
- [119-s-3940: Access to Fair Financing for Opportunity and Resilient Development Act](https://policyrisk.com/legislation/119-s-3940)
- [119-s-1552: Living Donor Protection Act of 2025](https://policyrisk.com/legislation/119-s-1552)
- [119-s-1241: Sanctioning Russia Act of 2025](https://policyrisk.com/legislation/119-s-1241)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-2074 (as of 2026-10-01).