Expands the Fair Credit Reporting Act's free credit monitoring protections from active duty military members to all members of the armed forces, regardless of duty status.

Official title: Servicemembers’ Credit Monitoring Enhancement Act

Next stop House: awaiting action

Timeline each lane is a chamber; dates pull from congress.gov actions

House

Received 16-MAR-2026

Senate

Introduced 12-JUN-2025

Referred 12-JUN-2025

Passed 05-MAR-2026

Key points

Replaces the term "active duty military consumer" with "armed forces member consumer" in the Fair Credit Reporting Act's credit monitoring provisions
Defines "armed forces" by reference to section 101(a) of title 10, United States Code
Defines an armed forces member consumer as a consumer who, regardless of duty status, is a member of the armed forces
Applies to the amendments one year after the date of enactment

AI-generated from the Engrossed in Senate text of 05-MAR-2026 · verify · report an error

Official CRS summary

Current. The Congressional Research Service's summary covers the bill's latest wording (Passed Senate, 05-MAR-2026).

CRS is the Library of Congress's nonpartisan research office. Read it on congress.gov

Committee referrals (1)

Policy area

Finance and Financial Sector

Sponsor Amy Klobuchar (D-MN) Cosponsors · 3

■ 2 R■ 1 D

2 Republicans

1 Democrat