United States 119th Congress Status: Passed Senate Bipartisan · 2 D · 2 R cosponsors

S 2074 — Servicemembers’ Credit Monitoring Enhancement Act

Last action — Held at the desk.

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  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the Senate. Introduced June 12, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the House.

Prognosis

Advancing 50% · moderate confidence

Where this bill stands today.

Odds of enactment

High

How often bills like it became law.

  • Passed Senate

    Current position in the legislative process.

  • 4 sponsors

    1 primary, 3 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (2 D · 2 R) — cross-party backing.

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Summary

Servicemembers' Credit Monitoring Enhancement Act This bill makes available to all members of the Armed Forces free electronic credit monitoring, regardless of their duty status. (This service is currently available only to those on active duty.)

Bill Text

What changed in the latest version

8 added · 9 removed

Plain-language change summary

The text shows that the bill S 2074 has moved from its introduced version to an engrossed version, indicating it has passed through some stages of legislative consideration. Specifically, it includes an acknowledgment of its passage in the Senate and updates the session date from June 12, 2025, to March 5, 2026. This change matters because it reflects progress in the legislative process, moving the bill closer to potential enactment.

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2074 Introduced in Senate (IS)] <DOC> 119th CONGRESS 1st Session S.
2074 Engrossed in Senate (ES)] <DOC> 119th CONGRESS 2d Session S.
2074 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.
2074 _______________________________________________________________________ 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.
_______________________________________________________________________ IN THE SENATE OF THE UNITED STATES June 12, 2025 Ms.
Klobuchar (for herself, Mr.
Cramer, Mr.
Kim, and Mr.
Daines) introduced the following bill;
which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ 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.
<all>
Passed the Senate March 5, 2026.
Attest:
Secretary.
119th CONGRESS 2d Session S.
2074 _______________________________________________________________________ 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.
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Sections of law this bill changes

1 section in 1 law

From the bill's own amending language, matched to the official United States Code (current through Public Law 119-121).

Consumer credit protection · 15 U.S.C. ch. 41 Amends the act as a whole

Also cites: 10 U.S.C. § 101, 15 U.S.C. § 1681c-1, 15 U.S.C. § 1681t

How this bill changes current law

3 changes Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill expands the definition of 'active duty military consumer' to 'armed forces member consumer' in the context of credit monitoring.

  • 15 U.S.C. 1681c-1(k)(1)

    active duty military consumer → armed forces member consumer

    The term 'active duty military consumer' is replaced with 'armed forces member consumer' for clarity and inclusivity.

  • 15 U.S.C. 1681c-1(k)(1)

    Definitions.--In this subsection: → 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.

    A new definition for 'armed forces member consumer' is introduced to encompass all members of the armed forces, not just those on active duty.

  • 15 U.S.C. 1681t(b)(1)(K)

    active duty military consumers → armed forces member consumers

    The phrase 'active duty military consumers' is replaced with 'armed forces member consumers', aligning terminology with the new definition.

Action History

  1. Message on Senate action sent to the House.

  2. Received in the House.

  3. Held at the desk.

  4. Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

  5. Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.

  6. Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.

  7. Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878)

  8. Introduced in Senate

  9. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 3 co-sponsors · 543 not signed on

Sponsors (1)

Co-sponsors (3)

Not signed on (543)

543 members have not signed on to this bill.

Show all 543 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance veterans
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

What does S 2074 do?
Servicemembers' Credit Monitoring Enhancement Act This bill makes available to all members of the Armed Forces free electronic credit monitoring, regardless of their duty status. (This service is currently available only to those on active duty.)
Who sponsors S 2074?
S 2074 is sponsored by Klobuchar, Amy (Democratic), Cramer, Kevin (Republican), Kim, Andy (Democratic), and Daines, Steve (Republican).
What is the current status of S 2074?
This bill has passed the Senate. Introduced June 12, 2025. It now moves to the second chamber.
Where can I track S 2074?
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