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Senate Bill 1316
118th Congress(2023-2024)
Servicemembers’ Credit Monitoring Enhancement Act
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Passed Senate on Nov 13, 2024
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S. 1316 (Introduced-in-Senate)


118th CONGRESS
1st Session
S. 1316


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.

IN THE SENATE OF THE UNITED STATES

April 26, 2023

Ms. Klobuchar (for herself, Mr. Cramer, Mr. Carper, and Mr. Daines) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

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.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. Short title.

This Act may be cited as the “Servicemembers’ Credit Monitoring Enhancement Act”.

SEC. 2. Credit monitoring.

(a) In general.—Section 605A(k) of the Fair Credit Reporting Act (15 U.S.C. 1681c–1(k)) is amended—

(1) by amending paragraph (1) to read as follows:

“(1) DEFINITIONS.—In this subsection:

“(A) UNIFORMED SERVICES.—The term ‘uniformed services’ has the meaning given the term in section 101(a) of title 10, United States Code.

“(B) UNIFORMED SERVICES MEMBER CONSUMER.—The term ‘uniformed services member consumer’ means a consumer who, regardless of duty status, is—

“(i) a member of the uniformed services; or

“(ii) a spouse, or a dependent who is not less than 18 years old, of a member of the uniformed services.”; and

(2) in paragraph (2)(A), by striking “active duty military consumer” and inserting “uniformed services member consumer”.

(b) Regulations.—The Federal Trade Commission shall issue rules to carry out the amendments made by subsection (a).

(c) Effective date.—The amendments made by subsection (a) shall take effect on the date that is 1 year after the date on which the Federal Trade Commission issues the final rule under subsection (b).