1. Short title

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

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.

(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.Secretary