‘‘(A) the date that is seven years after the 
date on which the servicemember requests the 
military service deployment alert; or 
‘‘(B) the date on which— 
‘‘(i) the servicemember submits di-
rectly to the consumer reporting agency a 
request stating that such military service 
deployment alert be removed from such 
file; and 
‘‘(ii) the agency receives proof of the 
identity of the servicemember making such 
request. 
‘‘(2) Develop and maintain procedures for the 
referral to other such agencies of any military serv-
ice deployment alert received by the agency. 
‘‘(c) DUTY OF RESELLER TO RECONVEY MILITARY 
SERVICE DEPLOYMENT ALERT.—A reseller shall include 
in any consumer report of the reseller on a servicemember 
any military service deployment alert placed in the file of 
that servicemember by another consumer reporting agency 
pursuant to this section. 
‘‘(d) ACKNOWLEDGMENT OF MILITARY SERVICE DE-
PLOYMENT ALERT.—Any prospective user of a consumer 
credit report containing a military service deployment 
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alert shall acknowledge to the servicemember the receipt 
of such military service deployment alert. 
‘‘(e) DEFINITIONS.—For the purposes of this section: 
‘‘(1) The term ‘active duty’ has the meaning 
given that term under section 101(d)(1) of title 10, 
United States Code. 
‘‘(2) The term ‘consumer reporting agency’ has 
the meaning given the term ‘consumer reporting 
agency that compiles and maintains files on con-
sumers on a nationwide basis’ under section 603(p) 
of the Fair Credit Reporting Act (15 U.S.C. 
1681a(p)). 
‘‘(3) The term ‘military service deployment 
alert’ means a code generated by a consumer report-
ing agency that is delivered in conjunction with a 
consumer report or credit score to a user of the con-
sumer report or credit score to indicate that the con-
sumer report or credit score of the consumer may 
have been adversely affected during a period in 
which the consumer was a servicemember serving on 
active duty. 
‘‘(4) The term ‘reseller’ has the meaning given 
that term under section 603(u) of the Fair Credit 
Reporting Act (15 U.S.C. 1681a(u)).’’. 
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(b) CLERICAL AMENDMENT.—The table of contents 
in section 1(b) of such Act is amended by inserting after 
the item relating to section 207 the following new item: 
‘‘Sec. 208. Protection of credit ratings of servicemembers serving on active 
duty.’’. 
(c) MILITARY SERVICE DEPLOYMENT ALERT NOT 
TO AFFECT CERTAIN FUTURE TRANSACTIONS.—Section 
108 of such Act (50 U.S.C. App. 518) is amended in the 
matter preceding paragraph (1) by inserting after ‘‘liabil-
ity of that servicemember’’ the following: ‘‘, or the inclu-
sion of a military service deployment alert in a file of the 
servicemember at a consumer reporting agency pursuant 
to section 208,’’. 
(d) EFFECTIVE DATE.—The amendments made by 
this section shall take effect on the date that is 180 days 
after the date of the enactment of this Act. 
Æ 
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