April McClain Delaney (D-MD)
Improving SCRA Benefit Utilization Act
A Democratic bill with 3 Republican cosponsors · See all 18 cosponsors
Last activity — Ordered to be Reported in the Nature of a Substitute by Voice Vote.
Introduced, nothing more yet
Formally proposed, and not yet handed to a committee.
Nearly every bill is sent to a committee within days. Introduction alone is not a sign of support, of momentum, or of any likelihood of passing — any member may introduce any bill.
Its path through Congress
- Introduced
What this bill would do
This bill, known as the "Improving SCRA Benefit Utilization Act," aims to amend title 10 of the United States Code. It seeks to include training on consumer financial protections, specifically interest rate limits under the Servicemembers Civil Relief Act, into financial literacy programs for the Armed Forces. The bill also updates notification requirements for when individuals enter military or reserve service or are called to active duty. Additionally, it changes how creditors handle debts and other obligations of servicemembers. Finally, it requires creditors to provide various ways for servicemembers to submit required documents.
Yes· 3 of 5
- Scored +6
Does this give people more protection from unfair business practices?
The bill expands protections for servicemembers by ensuring interest rate limits apply to all debts and providing multiple ways to submit required documentation.
- Scored +5
Would veterans be better off under this, taking everything together?
The bill improves financial preparedness and debt protection for those in active and reserve service.
- Scored +4
Does this increase the pay, pensions or support veterans receive?
The bill enhances the financial security and literacy of current and future servicemembers through expanded interest rate protections.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Enhanced Financial Literacy: By including consumer financial protections and interest rate limits in financial literacy training, members of the Armed Forces and their dependents can better understand the protections available to them under the law (Section s 2).
-
Improved Notification of Benefits: Servicemembers will receive notifications regarding their benefits at specific times, such as when they first enter military or reserve service, or when a reserve component member is mobilized or ordered to active duty for more than 30 days (Section 3).
-
Broadened Debt Protection: Creditors will be required to treat any other obligation or liability of a servicemember in accordance with interest rate limitations, regardless of whether that obligation was mentioned in an initial notice (Section 4).
-
Easier Document Submission: To ensure servicemembers can utilize interest rate limitations, creditors must provide multiple ways to submit required documents, including online, by mail, or by fax (Section 4).
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Tap or hover a score for the reason it gave.
- Demographic And Interest Groups
- Would veterans be better off under this, taking everything together? — The bill improves financial preparedness and debt protection for those in active and reserve service. Would households on low incomes be better off under this? — The bill helps mitigate the burden of high-interest debt for service members and their dependents.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill expands protections for servicemembers by ensuring interest rate limits apply to all debts and providing multiple ways to submit required documentation.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill enhances the financial security and literacy of current and future servicemembers through expanded interest rate protections.
- Social Issues And Justice
- Is this likely to lift people out of poverty? — By limiting interest rates on debts, the bill helps prevent financial instability for military families.
- 5/14/2026
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported in the Nature of a Substitute by Voice Vote.
- 4/9/2026
- 1 Cosponsor added.
- 2/24/2026
- Subcommittee Consideration and Mark-up Session Held
- Forwarded by Subcommittee to Full Committee by Voice Vote.
- 1/21/2026
- Referred to the Subcommittee on Economic Opportunity.
- Subcommittee Hearings Held
- 10/17/2025
- 1 Cosponsor added.
- 7/17/2025
- 1 Cosponsor added.
- 7/2/2025
- 1 Cosponsor added.
- 5/29/2025
- 1 Cosponsor added.
- 5/15/2025
- 1 Cosponsor added.
- 5/1/2025
- Referred to the Committee on Veterans' Affairs, and in addition to the Committee on Armed Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
- 12 Cosponsors added.
- Introduced in House
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Sanford BishopDemocrat · Georgia
Julia BrownleyDemocrat · California
Wesley BellDemocrat · Missouri
André CarsonDemocrat · Indiana
Sheila Cherfilus-McCormickDemocrat · Florida
Donald DavisDemocrat · North Carolina
Christopher DeluzioDemocrat · Pennsylvania
Suzan DelBeneDemocrat · Washington
Brian FitzpatrickRepublican · Pennsylvania
Josh GottheimerDemocrat · New Jersey
Steven HorsfordDemocrat · Nevada
Abraham HamadehRepublican · Arizona
Seth MoultonDemocrat · Massachusetts
James MoylanRepublican · Guam
Marilyn StricklandDemocrat · Washington
Kim SchrierDemocrat · Washington
Andrea SalinasDemocrat · Oregon
Dina TitusDemocrat · Nevada