service deployment explanation to each person who 
requests the credit score or consumer report of the 
servicemember; 
‘‘(2) develop and maintain procedures for the 
referral to other such agencies of any military serv-
ice deployment explanation received by the agency; 
and 
‘‘(3) notify the servicemember in writing that 
the inclusion of any explanation or notation in the 
file of the servicemember could potentially negatively 
affect the credit rating of the servicemember and 
may not mitigate a low credit score. 
‘‘(c) DUTY OF RESELLER TO RECONVEY MILITARY 
SERVICE DEPLOYMENT EXPLANATION.—A reseller shall 
include in any report of the reseller on a servicemember 
any military service deployment explanation placed in the 
file of that servicemember by another consumer reporting 
agency pursuant to this section. 
‘‘(d) ACKNOWLEDGMENT OF MILITARY SERVICE DE-
PLOYMENT EXPLANATION.—Any prospective user of a 
consumer credit report containing a military service de-
ployment explanation shall acknowledge such military 
service deployment explanation. 
‘‘(e) DEFINITIONS.—For the purposes of this section:
‘‘(1) The term ‘eligible servicemember’ means a 
member of a reserve component who serves on active 
duty outside the continental United States in sup-
port of a contingency operation under a call or order 
specifying a period of such service of not less than 
180 days (or who enters such service under a call or 
order specifying a period of 180 days or less and 
who, without a break in service, receives orders ex-
tending the period of such service to a period of not 
less than 180 days). 
‘‘(2) The term ‘military service deployment ex-
planation’ means a code generated by a consumer 
reporting agency that is delivered in conjunction 
with a consumer report or credit score to a user of 
the consumer report or credit score to indicate that 
the consumer report or credit score of the consumer 
was adversely affected during a period in which the 
consumer was a servicemember serving on active 
duty outside the continental United States in sup-
port of a contingency operation. 
‘‘(3) The term ‘contingency operation’ has the 
meaning given that term under section 101(a)(13) of 
title 10, United States Code.
‘‘(4) The term ‘active duty’ has the meaning 
given that term under section 101(d)(1) of title 10, 
United States Code. 
‘‘(5) The term ‘consumer reporting agency’ has 
the meaning given that term under section 603 of 
the Fair Credit Reporting Act. 
‘‘(6) The term ‘reseller’ has the meaning given 
that term under section 603 of the Fair Credit Re-
porting Act. 
‘‘(7) The term ‘qualifying account’ means an 
account that was opened by a servicemember before 
the date on which the servicemember was deployed 
outside the continental United States in support of 
a contingency operation, but only with respect to ob-
ligations incurred before such date.’’. 
(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 certain servicemembers.’’. 
(c) MILITARY SERVICE DEPLOYMENT EXPLANATION 
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 
‘‘liability of that servicemember’’ the following: ‘‘, or the 
inclusion of a military service deployment explanation in
a file of the servicemember at a consumer reporting agen-
cy pursuant to section 208,’’. 
Passed the House of Representatives November 5, 
2007. 
Attest: 
Clerk.
110TH CONGRESS 
1ST SESSION 
H. R. 513 
AN ACT 
To amend the Servicemembers Civil Relief Act to 
enhance the protection of credit ratings of mem-
bers of the reserve component who serve on ac-
tive duty in support of a contingency operation, 
and for other purposes.