United States 119th Congress Status: In Committee Bipartisan · 2 D · 1 R cosponsors

HR 5923 — Servicemember Credit Monitoring Enhancement Act

Last action — Referred to the House Committee on Financial Services.

Track this bill free

No card. One bill, free forever — alerts when it moves.

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

This bill is in committee in the House. Introduced November 04, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Prognosis

Advancing 36% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 3 sponsors

    1 primary, 2 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (2 D · 1 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.

In plain language

This bill expands the definition of military consumers under credit monitoring laws.

The Servicemember Credit Monitoring Enhancement Act aims to broaden the definition of active duty military consumers in the Fair Credit Reporting Act to include more members of the uniformed services for credit monitoring purposes.

What this means for you
  • Workers: If you are a member of the uniformed services, this bill could improve your access to credit monitoring.

Bill Text

Sections of law this bill changes

From the bill's own amending language, matched to the official United States Code (current through Public Law 119-124).

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

How this bill changes current law

2 changes Share ↗

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

The bill expands the definition of an active duty military consumer to include a uniformed services member consumer under the Fair Credit Reporting Act.

  • 15 U.S.C. 1681c-1(k)

    active duty military consumer → uniformed services member consumer

    Changes the terminology used to describe a consumer who is a member of the uniformed services.

  • 15 U.S.C. 1681c-1(k)

    In this subsection, the term ‘uniformed services member consumer’ means a consumer who is a member of the uniformed services (as such term is defined under section 101(a) of title 10, United States Code).

    Establishes a new definition for 'uniformed services member consumer' in the Fair Credit Reporting Act.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the House Committee on Financial Services.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 2 co-sponsors · 544 not signed on

Sponsors (1)

Co-sponsors (2)

Not signed on (544)

544 members have not signed on to this bill.

Show all 544 →

"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

Who sponsors HR 5923?
HR 5923 is sponsored by Stefanik, Elise M. (Republican), Bynum, Janelle S. (Democratic), and Vindman, Eugene Simon (Democratic).
What is the current status of HR 5923?
This bill is in committee in the House. Introduced November 04, 2025. It must pass committee before a floor vote.
Where can I track HR 5923?
Track HR 5923 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on HR 5923

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of HR 5923

Last checked for changes 4 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →