S. 2074

Summary

S. 2074, the Servicemembers’ Credit Monitoring Enhancement Act, was introduced in the Senate on Jun 12, 2025 by Sen. Amy Klobuchar (D) with 3 co-sponsors. It last saw action on Mar 16, 2026: Held at the desk.

Record

Text

S. 2074 has 3 co-sponsors.

119 S2074 ES: Servicemembers’ Credit Monitoring Enhancement Act
 U.S. Senate
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 119th CONGRESS  2d Session  S. 2074  IN THE SENATE OF THE UNITED STATES  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.
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.
 ; 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.    Secretary

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

A bill 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.

Sponsors

Sen. Amy Klobuchar (D) sponsors S. 2074, and 3 members have co-sponsored it, all of them from the day it was introduced.

Amy Klobuchar

Sen. · D–MN · Sponsor

Introduced Jun 12, 2025

Kevin Cramer

Sen. · R–ND · Co-sponsor

Joined Jun 12, 2025 · Original

Steve Daines

Sen. · R–MT · Co-sponsor

Joined Jun 12, 2025 · Original

Andy Kim

Sen. · D–NJ · Co-sponsor

Joined Jun 12, 2025 · Original

Show 4 of 4 rows

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Committees

S. 2074 went before 1 committee: Banking, Housing, and Urban Affairs.

Banking, Housing, and Urban Affairs

Banking, Housing, and Urban Affairs

Discharged From · Mar 5, 2026 · 465 Bills

Actions

S. 2074 has taken 8 actions since Jun 12, 2025, the latest on Mar 16, 2026.

Votes

S. 2074 has not gone to a roll call.

Titles

S. 2074 goes by 4 titles, 2 of them short titles.

• Servicemembers’ Credit Monitoring Enhancement Act — Display Title
• Servicemembers’ Credit Monitoring Enhancement Act — Short Title(s) as Passed Senate
• Servicemembers’ Credit Monitoring Enhancement Act — Short Title(s) as Introduced
• A bill 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. — Official Title as Introduced

Lobbying

4 clients hired 4 firms and 18 registered lobbyists who named S. 2074 in 9 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Banking, Consumer Issues/Safety/Products, Housing, Taxation/Internal Revenue Code, Labor Issues/Antitrust/Workplace, Budget/Appropriations, Financial Institutions/Investments/Securities, Defense.

Clients

Who paid to be heard, by how many filings named the bill.

Firms

Registrants who filed on the bill, by filings.

Lobbyists

Named on the filings that cite the bill.

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

Classification

The Congressional Research Service files S. 2074 under Finance and Financial Sector, one of its 31 policy areas, and gives it 3 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; S. 2074’s is Finance and Financial Sector.

Legislative Subjects

S. 2074 carries 3 of CRS’s legislative subjects, from Consumer affairs to Military personnel and dependents.

Source: congress.gov · legiscan.com