Servicemembers’ Credit Monitoring Enhancement Act, the official text

119 S2074 ES: Servicemembers’ Credit Monitoring Enhancement Act
U.S. Senate
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Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
119th CONGRESS 2d Session S. 2074 IN THE SENATE OF THE UNITED STATES AN ACT To amend the Fair Credit Reporting Act to expand the definition of an active duty military consumer for purposes of certain credit monitoring requirements, and for other purposes. 1. Short title
This Act may be cited as the Servicemembers’ Credit Monitoring Enhancement Act .
2. Credit monitoring
(a) In general
The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) is amended—
(1) in section 605A(k) ( 15 U.S.C. 1681c–1(k) )—
(A) by striking paragraph (1) and inserting the following:
(1) Definitions
In this subsection:
(A) Armed forces
The term armed forces has the meaning given the term in section 101(a) of title 10, United States Code.
(B) Armed forces member consumer
The term armed forces member consumer means a consumer who, regardless of duty status, is a member of the armed forces.
; and (B) in paragraph (2)(A), by striking active duty military consumer and inserting armed forces member consumer ; and
(2) in section 625(b)(1)(K) ( 15 U.S.C. 1681t(b)(1)(K) ), by striking active duty military consumers and inserting armed forces member consumers .
(b) Effective date
The amendments made by subsection (a) shall take effect on the date that is 1 year after the date of enactment of this Act.
Passed the Senate March 5, 2026. Secretary