Servicemembers’ Credit Monitoring Enhancement Act
Sponsored By: Senator Amy Klobuchar
Passed Senate
Summary
Expands credit monitoring protections to every member of the armed forces. This bill would change the Fair Credit Reporting Act by redefining "armed forces" to the meaning in 10 U.S.C. §101(a) and by replacing references to "active duty military" with "armed forces member consumer" in two FCRA provisions.
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- Service members: All personnel, including active duty, reserve, and National Guard, would qualify for the FCRA's credit-monitoring protections regardless of duty status.
- Consumer reporting agencies: Two FCRA cross-references would use the broader "armed forces member consumer" term where they previously referenced "active duty military," changing who those rules cover.
- Timing: The definitional changes would take effect one year after enactment.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
More credit monitoring for service members
If enacted, this would expand credit-reporting protections to all members of the armed forces, not just those on active duty. Nationwide credit bureaus would need to offer free credit monitoring to any armed forces member. The bill uses the definition of “armed forces” in 10 U.S.C. 101(a). These changes would start 1 year after enactment.
Sponsors & CoSponsors
Sponsor
Amy Klobuchar
MN • D
Cosponsors
Sen. Cramer, Kevin [R-ND]
ND • R
Sponsored 6/12/2025
Sen. Kim, Andy [D-NJ]
NJ • D
Sponsored 6/12/2025
Sen. Daines, Steve [R-MT]
MT • R
Sponsored 6/12/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov