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Senate Bill 2074
119th Congress(2025-2026)
Servicemembers’ Credit Monitoring Enhancement Act
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Passed Senate on Mar 5, 2026
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S. 2074 (Engrossed-in-Senate)


119th CONGRESS
2d Session
S. 2074

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.

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.—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.

Attest:





Secretary  

119th CONGRESS
     2d Session
S. 2074
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.