119th Congress · introduced in the Senate · Jun 12, 2025
Servicemembers’ Credit Monitoring Enhancement Act
Official title from Congress.gov
Latest action (Mar 16, 2026): Held at the desk.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Passed Senate (Mar 5, 2026)
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.)
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.
Held at the desk.
Received in the House.
Message on Senate action sent to the House.
Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878)
Passed/agreed to in Senate: Passed Senate without amendment by Unanimous Consent.
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Actions from Congress.gov, newest first.
Consumer affairs · Credit and credit markets · 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 23, 2026.
15 citations.
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$690,000
Spent on own lobbying
Financial regulatory reform Housing finance reform VA lending issues Military financial security S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act H.R.8800 & S.4784, National Defe…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$690,000
Spent on own lobbying
…ms to the National Flood Insurance Program Insurance regulatory and underwriting issues Data security and privacy VA lending issues Military financial security S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$690,000
Spent on own lobbying
…ms to the National Flood Insurance Program Insurance regulatory and underwriting issues Data security and privacy VA lending issues Military financial security S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Defense
$690,000
Spent on own lobbying
…prevention Military financial security Military separation and transition H.R. 2033 & S. 1027, Military Spouse Hiring Act H.R. 1932, Pay Our Troops Act of 2025 S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act H.R.8800 & S.4784, National Defe…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
UNITED SERVICES AUTOMOBILE ASSOCIATION · lobbying firm or registrant: UNITED SERVICES AUTOMOBILE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Veterans
$690,000
Spent on own lobbying
…ty H.R. 2148 and S. 879, the Veteran Caregiver Reeducation, Reemployment, and Retirement Act H.R. 3576, the Veterans Life Insurance Expansion and Integrity Act S.2074 & H.R. 5923, Service Members' Credit Monitoring Enhancement Act S.2454, Fair Debt Collection Practices for Service Members Act H.R.8800 & S.4784, National Defe…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: CONSUMER DATA INDUSTRY ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Financial Institutions/Investments/Securities
$150,000
Spent on own lobbying
…data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$540,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Prov…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: CONSUMER DATA INDUSTRY ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$125,000
Spent on own lobbying
…data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$520,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Prov…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
CONSUMER DATA INDUSTRY ASSOCIATION · lobbying firm or registrant: CONSUMER DATA INDUSTRY ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Financial Institutions/Investments/Securities
$160,000
Spent on own lobbying
…data, credit repair companies, and FCRA liability, including HR 5775 (FCRA Liability Harmonization Act), HR 8141 (Fair Credit Reporting Reseller Accuracy Act), S. 2074 (Servicemembers' Credit Monitoring Enhancement Act), and HR 306 (Ending Scam Credit Repair Act, ESCRA). -Issues related to the CFPB complaint portal, including…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Banking
$670,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Prov…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
MILITARY OFFICERS ASSOCIATION OF AMERICA · lobbying firm or registrant: MILITARY OFFICERS ASSOCIATION OF AMERICA
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 27, 2026 · issue area: Defense
$446,040
Spent on own lobbying
…ilies Act H.R. 10079: COACH Act S. 410: Love Lives On Act of 2025 S. 1071: National Defense Authorization Act for Fiscal Year 2026 S. 1122: BAH Restoration Act S. 2074: Servicemembers Credit Monitoring Enhancement Act S. 2296: National Defense Authorization Act for Fiscal Year 2026 S. 2448: Health Care Fairness for Military F…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$740,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. H.R. 5775 - FCRA Liability Harmonization Act: Prov…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2025 Q3 report (Jul 1, 2025 – Sep 30, 2025) · posted Oct 20, 2025 · issue area: Banking
$430,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. Issues pertaining to liability statutes in the Fai…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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
TRANS UNION LLC · lobbying firm or registrant: TRANS UNION LLC
2025 Q2 report (Apr 1, 2025 – Jun 30, 2025) · posted Jul 21, 2025 · issue area: Banking
$600,000
Spent on own lobbying
…sumer credit, alternative data and financial inclusion. H.R. 306 - Ending Scam Credit Repair Act (ESCRA Act): Provisions pertaining to credit repair companies. S. 2074 - Servicemembers' Credit Monitoring Enhancement Act: Issues pertaining to servicemembers' credit monitoring. Issues pertaining to liability statutes in the Fai…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. 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