Servicemembers’ Credit Monitoring Enhancement Act

The Servicemembers’ Credit Monitoring Enhancement Act broadens who qualifies for certain credit monitoring protections under the Fair Credit Reporting Act (FCRA). Specifically, it redefines who counts as an “armed forces member consumer” and replaces the prior term “active duty military consumer” with this broader term in key FCRA provisions. Importantly, it ties the definition to membership in the armed forces (as defined by 10 U.S.C. 101(a)) and states that this status applies regardless of whether the member is on active duty. The changes will take effect one year after the act is enacted. In short, more servicemembers—beyond those on active duty—would be covered by protections related to credit monitoring under the FCRA.