Reserve and National Guard members get free credit checks.
S. 2074 — Servicemembers’ Credit Monitoring Enhancement Act · Filed by Amy Klobuchar (D-MN) · 3 cosponsors · Introduced Jun 12, 2025 · Passed chamber
Your members of Congress
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What it does
This bill expands a credit check rule. Before, only active-duty armed forces got free credit checks from credit bureaus. Now reserve and National Guard members get them too. The change takes effect one year after the bill starts.
Who it affects
Reserve and National Guard members gain access to free credit checks. Credit bureaus must provide this service to more armed forces members. Active-duty armed forces members keep the checks they already have.
One thing to notice
Reserve and National Guard members will not get free credit checks right away. There is a one-year wait before the rule starts.
From the analysis of the bill text, linked under Primary records below.
Where it stands
3 cosponsors: 2 Republicans, 1 Democrats.
- Jun 12, 2025 — Introduced · Congress.gov: “Introduced in Senate”
- Jun 12, 2025 — Referred to Senate Committee on Banking, Housing, and Urban Affairs · Congress.gov: “Read twice and referred to the Committee on Banking, Housing, and Urban Affairs”
- Mar 5, 2026 — Reported out of committee · Congress.gov: “Senate Committee on Banking, Housing, and Urban Affairs discharged by Unanimous Consent”
- Mar 5, 2026 — Passed the Senate · Congress.gov: “Passed Senate without amendment by Unanimous Consent. (consideration: CR S877-878; text: CR S877-878)”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
2 groups reported lobbying about this bill. They filed 2 reports from Jun 2026 to Jun 2026.
Those reports show $645,000 in lobbying spending. Each report lists about 10 bills. So that money was not all for this bill.
More groups named this bill than 41% of bills with any report.
Amy Klobuchar, who sponsored the bill, received $116,500 from PACs for the 2026 election.
- Trans Union LLC — $520,000 in 1 report
- Consumer Data Industry Association — $125,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- credit checks — A service that watches for fraud or theft using your name.
- credit bureaus — Companies that collect and store facts about people's money and debts.
- armed forces — People who serve in the army, navy, air force, or other branches.
- reserve — Armed forces members who serve part-time and can be called to full duty.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (991 characters) on Jun 10, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,707 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Jun 2026 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-23.
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