Amy Klobuchar (D-MN)
Servicemembers’ Credit Monitoring Enhancement Act
A Democratic bill with 2 Republican cosponsors · See all 3 cosponsors
Last activity — Held at the desk.
Passed one chamber, waiting for the other to take it up
Passed one chamber, and the other has not yet sent it to a committee or put it on its calendar.
The other chamber will hand it to a committee, place it on its calendar, or leave it where it is. Nothing has been decided, and a bill can sit here indefinitely.
Its path through Congress
- Introduced
- Passed Senate unanimous consent
- Awaiting House
The Senate by unanimous consent (no one objected, so there was no vote): no senator's position on it was recorded.
What this bill would do
This bill is known as the Servicemembers' Credit Monitoring Enhancement Act. It amends the Fair Credit Reporting Act to change how certain military consumers are defined for credit monitoring requirements. Specifically, it updates the term from active duty military consumer to armed forces member consumer. Under the new definition, any member of the armed forces is included regardless of their specific duty status. These changes are set to take effect one year after the date of enactment.
Yes
- Scored +6
Would veterans be better off under this, taking everything together?
The bill benefits current and former service members by expanding credit monitoring protections regardless of duty status.
- Scored +5
Does this give people more protection from unfair business practices?
The bill enhances consumer protections by expanding credit monitoring coverage to all members of the armed forces regardless of duty status.
- Scored +3
Does this give people more control over their personal data?
The bill indirectly touches on consumer data protections by adjusting how military members' credit information is monitored.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
- Section 2: This section expands credit monitoring protections by changing the definition to include any member of the armed forces regardless of duty status. This is a positive change because it ensures a broader group of service members can benefit from these credit monitoring requirements.
Potential Negative Impacts for People
- Section 2: The text of the bill does not explicitly outline any negative consequences, burdens, or negative impacts 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? — The bill benefits current and former service members by expanding credit monitoring protections regardless of duty status.
- Economy And Finance
- Does this give people more protection from unfair business practices? — The bill enhances consumer protections by expanding credit monitoring coverage to all members of the armed forces regardless of duty status.
- Education And Technology
- Does this give people more control over their personal data? — The bill indirectly touches on consumer data protections by adjusting how military members' credit information is monitored.
- 3/16/2026
- Message on Senate action sent to the House.
- Held at the desk.
- Received in the House.
- 3/5/2026
- Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
- Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
- Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878)
- 6/12/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 3 Cosponsors added.
- Introduced in Senate
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.
Kevin CramerRepublican · North Dakota
Steve DainesRepublican · Montana
Andy KimDemocrat · New Jersey