I 
109TH CONGRESS 
2D SESSION 
H. R. 5327 
To amend the Servicemembers Civil Relief Act to protect the credit of 
servicemembers deployed to an overseas combat zone and to facilitate 
awareness of a servicemember’s rights under such Act, and for other 
purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 9, 2006 
Mr. ISRAEL (for himself and Mr. DAVIS of Kentucky) introduced the following 
bill; which was referred to the Committee on Veterans’ Affairs, and in 
addition to the Committee on Financial Services, for a period to be subse-
quently determined by the Speaker, in each case for consideration of such 
provisions as fall within the jurisdiction of the committee concerned 
A BILL 
To amend the Servicemembers Civil Relief Act to protect 
the credit of servicemembers deployed to an overseas 
combat 
zone 
and 
to 
facilitate 
awareness 
of 
a 
servicemember’s rights under such Act, and for other 
purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Servicemembers Credit 
Protection Act’’. 
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SEC. 2. NOTICE OF DEPLOYMENT REQUIRED. 
(a) IN GENERAL.—The Servicemembers Civil Relief 
Act (50 U.S.C. App. 501 et seq.) is amended by adding 
at the end the following new title: 
‘‘TITLE VIII—NOTICE OF 
DEPLOYMENT 
‘‘SEC. 801. NOTICE TO CONSUMER REPORTING AGENCIES. 
‘‘(a) IN GENERAL.—In the case of the deployment 
of a servicemember away from the usual duty station of 
the servicemember to duty for which the servicemember 
is entitled to special pay under section 310(a) of title 37, 
United States Code, the Secretary shall— 
‘‘(1) notify each consumer reporting agency 
that compiles and maintains files on consumers on 
a nationwide basis of the deployment of the 
servicemember within 30 days after the deployment, 
together with such information as may be necessary 
to permit such consumer reporting agency to comply 
with section 605C of the Fair Credit Reporting Act 
with respect to the servicemember; and 
‘‘(2) notify each such consumer reporting agen-
cy when the notice under paragraph (1) ceases to 
apply with respect to such servicemember within 30 
days after the end of the deployment. 
‘‘(b) ADMINISTRATIVE ACTION.—The Secretary shall 
consult with each consumer reporting agency that com-
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piles and maintains files on consumers on a nationwide 
basis and take such action as may be appropriate to en-
sure that the Secretary and such consumer reporting 
agency can comply with the requirements of this section 
and section 605C of the Fair Credit Reporting Act in a 
timely manner. 
‘‘(c) DEFINITION.—For purposes of this section, the 
term ‘consumer reporting agency that compiles and main-
tains files on consumers on a nationwide basis’ has the 
meaning given to such term in section 603(p) of the Fair 
Credit Reporting Act. 
‘‘SEC. 802. INCREASE IN PENALTIES FOR CERTAIN VIOLA-
TIONS 
INVOLVING 
SERVICEMEMBERS 
DE-
PLOYED TO AN OVERSEAS COMBAT ZONE. 
‘‘(a) IN GENERAL.—In the case of any person who 
is subject to a penalty under section 301(c)(1), 302(b)(1), 
303(d)(1), 305(h)(1), 306(e)(1), or 307(e)(1) in a case in-
volving a servicemember whose consumer report, at the 
time of the violation giving rise to such person’s liability 
for the penalty, contains a combat zone duty alert, such 
section shall be applied by substituting ‘not more than 3 
years’ for ‘not more than one year’. 
‘‘(b) DEFINITIONS.—For purposes of subsection (a), 
the terms ‘combat zone duty alert’ and ‘consumer report’ 
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have the same meanings as in section 603 of the Fair 
Credit Reporting Act.’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
for the Servicemembers Civil Relief Act (50 U.S.C App. 
501 et seq.) is amended by inserting after the item relat-
ing to section 706 the following new items: 
‘‘TITLE VIII—NOTICE OF DEPLOYMENT 
‘‘Sec. 801. Notice to consumer reporting agencies. 
‘‘Sec. 802. Increase in penalties for certain violations involving servicemembers 
deployed to an overseas combat zone.’’. 
SEC. 
3. 
NOTATIONS 
IN 
CONSUMER 
FILES 
OF 
SERVICEMEMBERS. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.) is amended by inserting after 
section 605B the following new section: 
‘‘§ 605C. Combat zone duty alert 
‘‘(a) IN GENERAL.—Each consumer reporting agency 
described in section 603(p) that receives a notice under 
section 801(a)(1) of the Servicemembers Civil Relief Act 
from the Secretary of Defense with respect to a consumer 
who is a servicemember (as defined in section 101(1) of 
such Act) shall— 
‘‘(1) include a combat zone duty alert in the file 
of that consumer, and also provide that alert along 
with any credit score generated in using that file, 
until notified by the Secretary of Defense that such 
consumer no longer qualifies for such alert; and 
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‘‘(2) during the period such alert is in effect, 
exclude the consumer from any list of consumers 
prepared by the consumer reporting agency and pro-
vided to any third party to offer credit or insurance 
to the consumer as part of a transaction that was 
not initiated by the consumer. 
‘‘(b) INFORMATION
ON CONSUMER’S RIGHTS RE-
QUIRED TO BE INCLUDED.—The combat zone duty alert 
included in any consumer’s file pursuant to subsection (a) 
shall include a summary of the rights of the consumer 
under the Servicemembers Civil Relief Act and the duties 
of creditors and other persons under such Act to the con-
sumer. 
‘‘(c) NOTICE TO FURNISHERS OF ADVERSE INFOR-
MATION.—If any person, including another consumer re-
porting agency, furnishes adverse information to a con-
sumer reporting agency described in section 603(p) with 
respect to a consumer whose file includes a combat zone 
duty alert under subsection (a)(1), the consumer reporting 
agency shall notify such person of the existence of the 
combat zone duty alert in the file of such consumer to-
gether with the summary of rights and duties described 
in subsection (b). 
‘‘(d) DUTY OF RESELLER TO RECONVEY ALERT.— 
A reseller shall include in its report any combat zone duty 
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alert placed in the file of a consumer pursuant to this sec-
tion by another consumer reporting agency. 
‘‘(e) PROCEDURES.—Each consumer reporting agen-
cy described in section 603(p) shall establish policies and 
procedures to comply with this section and shall cooperate 
with the Secretary of Defense in establishing such proce-
dures to ensure effective compliance with the requirements 
of this section. 
‘‘(f) NOTICE FROM SECRETARY.—This section shall 
cease to apply to with respect to any consumer as of the 
date the consumer reporting agency described in section 
603(p) receives a notice from the Secretary of Defense 
under section 801(a)(2) relating to such consumer.’’. 
(b) DEFINITIONS.— 
(1) IN
GENERAL.—Subsection (q) of section 
603 of the Fair Credit Reporting Act (15 U.S.C. 
1681a(q)) is amended by adding at the end the fol-
lowing new paragraph: 
‘‘(6) COMBAT ZONE DUTY ALERT.—The term 
‘combat zone duty alert’ means a statement in the 
file of a consumer that— 
‘‘(A) notifies all prospective users of a con-
sumer report relating to the consumer that the 
consumer is serving as a servicemember in a 
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combat zone and includes any information re-
quired under section 605C; and 
‘‘(B) is presented in a manner that facili-
tates a clear and conspicuous view of the state-
ment described in subparagraph (A) by any 
person requesting such consumer report.’’. 
(2) TECHNICAL
AND
CONFORMING
AMEND-
MENT.—The heading for subsection (q) of section 
603 of the Fair Credit Reporting Act (15 U.S.C. 
1681a(q)) is amended by inserting ‘‘AND MILITARY’’ 
after ‘‘TO FRAUD’’. 
(c) CLERICAL AMENDMENT.—The table of sections 
for title VI of the Consumer Credit Protection Act is 
amended by inserting after the item relating to section 
605B the following new item: 
‘‘605C. Combat zone duty alert.’’. 
Æ 
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