Elise Stefanik (R-NY)
Servicemember Credit Monitoring Enhancement Act
A Republican bill with 2 Democratic cosponsors · See all 2 cosponsors
Last activity — Referred to the House Committee on Financial Services.
In committee
Introduced and handed to a committee in the chamber it started in.
The committee holds it, and most bills are never heard from again. A hearing or a committee vote would be news; silence is the usual outcome, and it kills the bill without anyone voting against it.
Its path through Congress
- Introduced
- In Committee
What this bill would do
This bill is called the Servicemember Credit Monitoring Enhancement Act. It amends the Fair Credit Reporting Act to expand the definition of an active duty military consumer for certain credit monitoring requirements. The bill changes the definition to a uniformed services member consumer. This new term covers any consumer who is a member of the uniformed services as defined under section 101(a) of title 10, United States Code. It also updates paragraph (2)(A) to use this new term instead of active duty military consumer.
Yes· 3 of 4
- Scored +5
Would veterans be better off under this, taking everything together?
Military members across the uniformed services receive improved consumer protection through expanded credit monitoring requirements.
- Scored +5
Does this increase the pay, pensions or support veterans receive?
The bill enhances financial protections for members of the uniformed services by broadening eligibility for mandatory credit monitoring requirements.
- Scored +3
Would people in their twenties and thirties be better off under this?
Younger adults serving in the uniformed services will benefit from expanded access to credit monitoring services.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Section 2 updates the definition of who gets certain credit monitoring requirements by changing active duty military consumer to uniformed services member consumer. This is positive because it broadens the definition to include members of the uniformed services, which can help protect more service members with credit monitoring.
Potential Negative Impacts for People
- Based on the provided text, there are no specific sections or provisions identified that would cause negative consequences or burdens for individuals or groups of people in the United States.
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? — Military members across the uniformed services receive improved consumer protection through expanded credit monitoring requirements. Would people in their twenties and thirties be better off under this? — Younger adults serving in the uniformed services will benefit from expanded access to credit monitoring services.
- National Security And Foreign Policy
- Does this increase the pay, pensions or support veterans receive? — The bill enhances financial protections for members of the uniformed services by broadening eligibility for mandatory credit monitoring requirements.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill expands credit monitoring protections under the Fair Credit Reporting Act to a broader group of uniformed services members.
- 11/17/2025
- 1 Cosponsor added.
- 11/4/2025
- Referred to the House Committee on Financial Services.
- 1 Cosponsor added.
- Introduced in House
Janelle BynumDemocrat · Oregon
Eugene VindmanDemocrat · Virginia