119th Congress · introduced in the House · May 1, 2025
Improving SCRA Benefit Utilization Act
Official title from Congress.gov
Latest action (May 14, 2026): Ordered to be Reported in the Nature of a Substitute by Voice Vote.
View on Congress.govPolicy area: Armed Forces and National Security
Congressional Research Service summary, version: Introduced in House (May 1, 2025)
Improving SCRA Benefit Utilization Act
This bill expands interest rate protections under the Servicemembers Civil Relief Act (SCRA) and requires expanded training for and outreach to servicemembers regarding financial literacy and SCRA protections.
The SCRA caps the maximum interest charged on any debt incurred by a servicemember prior to entering active duty at 6% annually if the servicemember's ability to pay is materially affected by active-duty status; servicemembers must provide notice and other documentation to creditors to receive this cap.
The bill requires creditors to apply this cap to all of a servicemember’s obligations or liabilities with that creditor, regardless of whether a certain obligation or liability was specifically mentioned in the required notice provided by the member to invoke SCRA rights. Further, the bill requires creditors to provide all necessary mechanisms to ensure a servicemember is able to submit any required documentation.
The bill also requires that the financial literacy training program provided to servicemembers include information about consumer financial protections afforded to such members and their dependents, including protections regarding interest rate limits under the SCRA.
Additionally, the bill requires the military department concerned to provide written notice of benefits under the SCRA to servicemembers at the time they first enter military service and, for members of the reserve components, at the time they first enter service in the reserves and at any time when they are mobilized or ordered to active duty for more than 30 days.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Ordered to be Reported in the Nature of a Substitute by Voice Vote.
Committee Consideration and Mark-up Session Held
Forwarded by Subcommittee to Full Committee by Voice Vote.
Subcommittee Consideration and Mark-up Session Held
Subcommittee Hearings Held
Referred to the Subcommittee on Economic Opportunity.
Referred to the Committee on Veterans' Affairs, and in addition to the Committee on Armed Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Referred to the Committee on Veterans' Affairs, and in addition to the Committee on Armed Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Credit and credit markets · Financial literacy · Interest, dividends, interest rates · Military education and training · Military personnel and dependents
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
2 citations.
FLEET RESERVE ASSOCIATION · lobbying firm or registrant: FLEET RESERVE ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Aug 5, 2026 · issue area: Veterans
$120,000
Spent on own lobbying
….R.3455 - VA Benefits; HR1732 - VA Benefits; HR5339 - Toxic Exposure; HR 6047 - VA Benefit; HR982 - Vet Education; HR1803 - VA Loan, HR1957 - Vet Homelessness; HR3159 - SCRA; HR5436 - Vet Education; HR5634 - Vet Education; HR7049 - Mental Health; HR7103 - TAPS; HR7150 - VA Homeloan; HR7120 - VA Benefits; HR7141 - VA Housing;…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FLEET RESERVE ASSOCIATION · lobbying firm or registrant: FLEET RESERVE ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 21, 2026 · issue area: Veterans
$120,000
Spent on own lobbying
….R.3455 - VA Benefits; HR1732 - VA Benefits; HR5339 - Toxic Exposure; HR 6047 - VA Benefit; HR982 - Vet Education; HR1803 - VA Loan, HR1957 - Vet Homelessness; HR3159 - SCRA; HR5436 - Vet Education; HR5634 - Vet Education; HR7049 - Mental Health; HR7103 - TAPS; HR7150 - VA Homeloan; HR7120 - VA Benefits; HR7141 - VA Housing;
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing