Improving SCRA Benefit Utilization Act

Sponsored byRep. McClain Delaney, April [D-MD-6]MD· Introduced 1 May 2025

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Ordered to be Reported in the Nature of a Substitute by Voice Vote.

14 May 2026·2 months ago

Summary

Introduced in House · Updated 26 February 2026

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.

Timeline

10 actions

Ordered to be Reported in the Nature of a Substitute by Voice Vote.
14 May 2026 · Committee
Committee Consideration and Mark-up Session Held
14 May 2026 · Committee
Forwarded by Subcommittee to Full Committee by Voice Vote.
24 February 2026 · Committee
Subcommittee Consideration and Mark-up Session Held
24 February 2026 · Committee
Subcommittee Consideration and Mark-up Session Held
24 February 2026 · Committee
Forwarded by Subcommittee to Full Committee by Voice Vote.
24 February 2026 · Committee
Referred to the Subcommittee on Economic Opportunity.
21 January 2026 · Committee
Subcommittee Hearings Held
21 January 2026 · Committee
Subcommittee Hearings Held
21 January 2026 · Committee
Referred to the Subcommittee on Economic Opportunity.
21 January 2026 · Committee
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.
1 May 2025 · IntroReferral
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.
1 May 2025 · IntroReferral
Introduced in House
1 May 2025 · IntroReferral
Introduced in House
1 May 2025 · IntroReferral
Introduced in House
1 May 2025 · IntroReferral
Introduced in House
1 May 2025 · IntroReferral

Sponsorship

18 cosponsors

Sponsor

Rep. McClain Delaney, April [D-MD-6]MD

Cosponsors

Democrat1583%
Republican317%

Democrat:Rep. Salinas, Andrea [D-OR-6]OR
Democrat:Rep. Horsford, Steven [D-NV-4]NV
Democrat:Rep. Bell, Wesley [D-MO-1]MO
Republican:Rep. Hamadeh, Abraham J. [R-AZ-8]AZ
Democrat:Rep. Schrier, Kim [D-WA-8]WA
Democrat:Rep. Cherfilus-McCormick, Sheila [D-FL-20]FL
Democrat:Rep. Bishop, Sanford D. [D-GA-2]GA
Democrat:Rep. DelBene, Suzan K. [D-WA-1]WA
Democrat:Rep. Carson, André [D-IN-7]IN
Democrat:Rep. Deluzio, Christopher R. [D-PA-17]PA
Republican:Rep. Fitzpatrick, Brian K. [R-PA-1]PA
Democrat:Rep. Davis, Donald G. [D-NC-1]NC
Democrat:Rep. Titus, Dina [D-NV-1]NV
Democrat:Rep. Moulton, Seth [D-MA-6]MA
Democrat:Rep. Strickland, Marilyn [D-WA-10]WA
Democrat:Rep. Gottheimer, Josh [D-NJ-5]NJ
Democrat:Rep. Brownley, Julia [D-CA-26]CA
Republican:Del. Moylan, James C. [R-GU-At Large]GU

Classification

Policy area

Armed Forces and National Security

Legislative subjects

Credit and credit marketsFinancial literacyInterest, dividends, interest ratesMilitary education and trainingMilitary personnel and dependents

Committees

Armed Services Committee
House · Standing
- Referred To1 May 2025
Veterans' Affairs Committee
House · Standing
- Referred To1 May 2025
- Markup By14 May 2026
- Economic Opportunity Subcommittee
  - Referred to21 Jan 2026
  - Hearings By (subcommittee)21 Jan 2026
  - Markup by24 Feb 2026
  - Reported by24 Feb 2026

Cosponsor momentum

Cumulative over time

Track Improving SCRA Benefit Utilization Act as it moves through Congress