Improving SCRA Benefit Utilization Act
Latest action · May 14, 2026 Ordered to be Reported in the Nature of a Substitute by Voice Vote.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedMay 1, 2025
- Passed HouseNot reached
- Passed SenateNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
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.
Cosponsors 18
Members who signed on, in the order they did. Signatures ran from May 1, 2025 to Apr 9, 2026; 12 are original cosponsors, there from the day it was introduced.
| Seat | Cosponsor | Signed on | |
|---|---|---|---|
| D-IN | André Carson | Original | May 1, 2025 |
| R-PA | Brian K. Fitzpatrick | Original | May 1, 2025 |
| D-PA | Christopher R. Deluzio | Original | May 1, 2025 |
| D-NV | Dina Titus | Original | May 1, 2025 |
| D-NC | Donald G. Davis | Original | May 1, 2025 |
| R-GU | James C. Moylan | Original | May 1, 2025 |
| D-NJ | Josh Gottheimer | Original | May 1, 2025 |
| D-CA | Julia Brownley | Original | May 1, 2025 |
| D-WA | Marilyn Strickland | Original | May 1, 2025 |
| D-GA | Sanford D. Bishop, Jr. | Original | May 1, 2025 |
| D-MA | Seth Moulton | Original | May 1, 2025 |
| D-WA | Suzan K. DelBene | Original | May 1, 2025 |
| D-FL | Sheila Cherfilus-McCormick | May 15, 2025 | |
| D-WA | Kim Schrier | May 29, 2025 | |
| R-AZ | Abraham J. Hamadeh | Jul 2, 2025 | |
| D-MO | Wesley Bell | Jul 17, 2025 | |
| D-NV | Steven Horsford | Oct 17, 2025 | |
| D-OR | Andrea Salinas | Apr 9, 2026 |
Committees 2
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Veterans' Affairs Committee | Referred May 1, 2025Markup May 14, 2026 |
| Economic Opportunity Subcommittee | Referred Jan 21, 2026Hearings Jan 21, 2026Markup Feb 24, 2026Reported Feb 24, 2026 | |
| House | Armed Services Committee | Referred May 1, 2025 |
Actions 8
Everything that happened, newest first.
- May 14, 2026Committee Consideration and Mark-up Session Held
- May 14, 2026Ordered to be Reported in the Nature of a Substitute by Voice Vote.
- Feb 24, 2026Subcommittee Consideration and Mark-up Session Held
- Feb 24, 2026Forwarded by Subcommittee to Full Committee by Voice Vote.
- Jan 21, 2026Referred to the Subcommittee on Economic Opportunity.
In the Congressional Record 1
Days the Record’s own index lists this bill, newest first, with the pages and the members it names. Pages starting H are the House, S the Senate, E Extensions of Remarks.
| Where | In the Record | Members | Date |
|---|---|---|---|
| House | Debate and remarks H1871 | April McClain Delaney D-MD | May 6, 2025 |
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Congressional Budget Office cost estimate
- Jun 11, 2026H.R. 3159, Improving SCRA Benefit Utilization ActAs ordered reported by the House Committee on Veterans’ Affairs on May 14, 2026
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 171, no. 73, May 1, 2025, page H1811.
Printed hearings 1
Hearings whose printed record names this bill, newest first: hearings on it, and wider hearings where it came up.
| Number | Hearing | Committee | Held |
|---|---|---|---|
| Serial No. 119-44 | LEGISLATIVE HEARING110 pages | Veterans' Affairs Committee | Jan 21, 2026 |
Related bills 1
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| S 1550 | Improving SCRA Benefit Utilization Act of 2025 | Related bill | May 1, 2025 |
Titles 2
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- To amend title 10, United States Code, to include training regarding financial protections under the Servicemembers Civil Relief Act in certain financial literacy training programs for members of the Armed Forces, and for other purposes.
- Short Title(s) as Introduced
- Improving SCRA Benefit Utilization Act
Subjects
Assigned by the Library of Congress. Policy area: Armed Forces and National Security.
Text 1
Each version as it was printed, newest first.
- May 1, 2025Introduced in House
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
