In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Servicemember and Veteran Protection
Act of 2015''.

SEC. 2. DEFERRAL OF STUDENTS LOANS FOR CERTAIN PERIOD IN CONNECTION
WITH RECEIPT OF ORDERS FOR MOBILIZATION FOR WAR OR
NATIONAL EMERGENCY.

(a) Federal Family Education Loans.--Section 428(b)(1)(M) of the
Higher Education Act of 1965 (20 U.S.C. 1078(b)(1)(M)) is amended--
(1) in the matter preceding clause (i), by striking '',
during any period'';
(2) in clause (i), by striking ''during which'' and
inserting ''during any period during which'';
(3) in clause (ii), by striking ''during which'' and
inserting ''during any period during which'';
(4) in clause (iii)--
(A) by striking ''during which'' and inserting
''during any period during which''; and
(B) in the matter following subclause (II), by
striking ''or'' after the semicolon;
(5) by redesignating clause (iv) as clause (vi);
(6) by inserting after clause (iii) the following:
''(iv) in the case of any borrower who has
received a call or order to duty described in
subclause (I) or (II) of clause (iii), during
the shorter of--
''(I) the period beginning on the
date such call or order to duty is
received by the borrower and ending on
the first day of the service described
in subclause (I) or (II) of clause
(iii); and
''(II) the 180-day period preceding
the first day of such service;
''(v) notwithstanding clause (iv)--
''(I) in the case of any borrower
described in such clause whose call or
order to duty is cancelled before the
first day of the service described in
subclause (I) or (II) of clause (iii)
because of a personal injury in
connection with training to prepare for
such service, during the period
described in clause (iv) and during an
additional period equal to the duration
of such service, as specified by or
otherwise determined in the original
call or order to duty; and
''(II) in the case of any borrower
whose call or order to duty is
cancelled before the first day of such
service for a reason other than an
injury described in subclause (I),
during the period beginning on the date
the call or order to duty is received
by the borrower and ending on the date
that is 14 days after such call or
order to duty is cancelled; and''; and
(7) in clause (vi) (as redesignated by paragraph (5)), by
striking ''not in excess'' and inserting ''during any period
not in excess''.
(b) Direct Loans.--Section 455(f)(2) of the Higher Education Act of
1965 (20 U.S.C. 1087e(f)(2)) is amended--
(1) in the matter preceding subparagraph (A), by striking
''during any period'';
(2) in subparagraph (A), by striking ''during which'' and
inserting ''during any period during which'';
(3) in subparagraph (B), by striking ''not in excess'' and
inserting ''during any period not in excess'';
(4) in subparagraph (C)--
(A) by striking ''during which'' and inserting
''during any period during which''; and
(B) in the matter following clause (ii), by
striking ''or'' after the semicolon;
(5) by redesignating subparagraph (D) as subparagraph (F);
(6) by inserting after subparagraph (C) the following:
''(D) in the case of any borrower who has received
a call or order to duty described in clause (i) or (ii)
of subparagraph (C), during the shorter of--
''(i) the period beginning on the date such
call or order to duty is received by the
borrower and ending on the first day of the
service described in clause (i) or (ii) of
subparagraph (C); and
''(ii) the 180-day period preceding the
first day of such service;
''(E) notwithstanding subparagraph (D)--
''(i) in the case of any borrower described
in such subparagraph whose call or order to
duty is cancelled before the first day of the
service described in clause (i) or (ii) of
subparagraph (C) because of a personal injury
in connection with training to prepare for such
service, during the period described in
subparagraph (D) and during an additional
period equal to the duration of such service,
as specified by or otherwise determined in the
original call or order to duty; and
''(ii) in the case of any borrower whose
call or order to duty is cancelled before the
first day of such service for a reason other
than an injury described in clause (i), during
the period beginning on the date the call or
order to duty is received by the borrower and
ending on the date that is 14 days after such
call or order to duty is cancelled; and''; and
(7) in subparagraph (F) (as redesignated by paragraph (5)),
by striking ''not in excess'' and inserting ''during any period
not in excess''.
(c) Perkins Loans.--Section 464(c)(2)(A) of the Higher Education
Act of 1965 (20 U.S.C. 1087dd(c)(2)(A)) is amended--
(1) in the matter preceding clause (i), by striking
''during any period'';
(2) in clause (i), by striking ''during which'' and
inserting ''during any period during which'';
(3) in clause (ii), by striking ''not in excess'' and
inserting ''during any period not in excess'';
(4) in clause (iii), by striking ''during which'' and
inserting ''during any period during which'';
(5) by redesignating clauses (iv) and (v) as clauses (vi)
and (vii), respectively;
(6) by inserting after clause (iii) the following:
''(iv) in the case of any borrower who has received
a call or order to duty described in subclause (I) or
(II) of clause (iii), during the shorter of--
''(I) the period beginning on the date such
call or order to duty is received by the
borrower and ending on the first day of the
service described in subclause (I) or (II) of
clause (iii); and
''(II) the 180-day period preceding the
first day of such service;
''(v) notwithstanding clause (iv)--
''(I) in the case of any borrower described
in such clause whose call or order to duty is
cancelled before the first day of the service
described in subclause (I) or (II) of clause
(iii) because of a personal injury in
connection with training to prepare for such
service, during the period described in clause
(iv) and during an additional period equal to
the duration of such service, as specified by
or otherwise determined in the original call or
order to duty; and
''(II) in the case of any borrower whose
call or order to duty is cancelled before the
first day of such service for a reason other
than an injury described in subclause (I),
during the period beginning on the date the
call or order to duty is received by the
borrower and ending on the date that is 14 days
after such call or order to duty is
cancelled;'';
(7) in clause (vi) (as redesignated by paragraph (5)), by
striking ''not in excess'' and inserting ''during any period
not in excess''; and
(8) in clause (vii) (as redesignated by paragraph (5)), by
striking ''during which'' and inserting ''during any period
during which''.
(d) Rule of Construction.--Nothing in the amendments made by this
section shall be construed to authorize any refunding of any repayment
of a loan.
(e) Applicability.--The amendments made by this section shall apply
with respect to all loans made, insured, or guaranteed under title IV
of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.).
(f) Conforming Amendments.--Title IV of the Higher Education Act of
1965 (20 U.S.C. 1070 et seq.) is further amended--
(1) in section 428B(d)(1)(A)(ii) (20 U.S.C. 1078-
2(d)(1)(A)(ii)), by striking ''428(b)(1)(M)(i)(I)'' and
inserting ''or clause (i)(I), (iv), or (v) of section
428(b)(1)(M)''; and
(2) in section 493D(a) (20 U.S.C. 1098f(a)), by striking
''section 428(b)(1)(M)(iii), 455(f)(2)(C), or
464(c)(2)(A)(iii)'' and inserting ''clause (iii) or (iv) of
section 428(b)(1)(M), subparagraph (C) or (D) of section
455(f)(2), or clause (iii) or (iv) of section 464(c)(2)(A)''.

SEC. 3. MODIFICATION OF BASIS FOR ANNUAL ADJUSTMENTS IN AMOUNTS OF
EDUCATIONAL ASSISTANCE FOR MEMBERS OF THE SELECTED
RESERVE.

(a) In General.--Section 16131(b)(2) of title 10, United States
Code, is amended by striking ''equal to'' and all that follows and
inserting the following: ''not less than the percentage by which--
''(A) the average cost of undergraduate tuition in the
United States, as determined by the National Center for
Education Statistics, for the last academic year preceding the
beginning of the fiscal year for which the increase is made,
exceeds
''(B) the average cost of undergraduate tuition in the
United States, as so determined, for the academic year
preceding the academic year described in subparagraph (A).''.
(b) Effective Date.--The amendment made by subsection (a) shall
take effect on October 1, 2015, and shall apply to adjustments in
amounts of educational assistance for members of the Selected Reserve
that are made for fiscal years beginning on or after that date.

SEC. 4. CREDIT PROTECTIONS FOR SERVICEMEMBERS.

(a) Active Duty Freeze Alerts.--Section 605A of the Fair Credit
Reporting Act (15 U.S.C. 1681c-1) is amended--
(1) in the heading for such section, by striking ''and
active duty alerts'' and inserting '', active duty alerts, and
active duty freeze alerts'';
(2) by redesignating subsections (d) through (h) as
subsections (e) through (i), respectively;
(3) by inserting after subsection (c) the following:
''(d) Active Duty Freeze Alerts.--Upon the direct request of an
active duty military consumer, or an individual acting on behalf of or
as a personal representative of an active duty military consumer, a
consumer reporting agency described in section 603(p) that maintains a
file on the active duty military consumer and has received appropriate
proof of the identity of the requester shall--
''(1) include an active duty freeze alert in the file of
that active duty military consumer, and also provide that alert
along with any credit score generated in using that file,
during a period of not less than 12 months, or such longer
period as the Bureau shall determine, by regulation, beginning
on the date of the request, unless the active duty military
consumer or such representative requests that such freeze alert
be removed before the end of such period, and the agency has
received appropriate proof of the identity of the requester for
such purpose;
''(2) during the 2-year period beginning on the date of
such request, exclude the active duty military consumer from
any list of consumers prepared by the consumer reporting agency
and provided to any third party to offer credit or insurance to
the consumer as part of a transaction that was not initiated by
the consumer, unless the consumer requests that such exclusion
be rescinded before the end of such period; and
''(3) refer the information regarding the active duty
freeze alert to each of the other consumer reporting agencies
described in section 603(p), in accordance with procedures
developed under section 621(f).'';
(4) in subsection (e), as so redesignated--
(A) by striking ''extended, and active duty
alerts'' and inserting ''extended, active duty, and
active duty freeze alerts''; and
(B) by striking ''extended, or active duty alerts''
and inserting ''extended, active duty, or active duty
freeze alerts'';
(5) in subsection (f), as so redesignated--
(A) in the matter preceding paragraph (1), by
striking ''or active duty alert'' and inserting
''active duty alert, or active duty freeze alert'';
(B) in paragraph (2), by striking ''; and'' and
inserting a semicolon;
(C) in paragraph (3), by striking the period and
inserting ''; and''; and
(D) by adding at the end the following:
''(4) paragraphs (1) and (2) of subsection (d), in the case
of a referral under subsection (d)(3).'';
(6) in subsection (g), as so redesignated, by striking ''or
active duty alert'' and inserting ''active duty alert, or
active duty freeze alert''; and
(7) in subsection (i), as so redesignated, by adding at the
end the following:
''(3) Requirements for active duty freeze alerts.--
''(A) Notification.--Each active duty freeze alert
under this section shall include information that
notifies all prospective users of a consumer report on
the consumer to which the freeze alert relates that the
consumer does not authorize the establishment of any
new credit plan or extension of credit, including any
credit under an open-end credit plan (as defined in
section 103(i)), in the name of the consumer, or
issuance of an additional card on an existing credit
account requested by a consumer, or any increase in
credit limit on an existing credit account requested by
a consumer.
''(B) Prohibition on users.--No prospective user of
a consumer report that includes an active duty freeze
alert in accordance with this section may establish a
new credit plan or extension of credit, including any
credit under an open-end credit plan (as defined in
section 103(i)), in the name of the consumer, or issue
an additional card on an existing credit account
requested by a consumer, or grant any increase in
credit limit on an existing credit account requested by
a consumer.''.
(b) Rulemaking.--The Bureau of Consumer Financial Protection shall
prescribe regulations to define what constitutes appropriate proof of
identity for purposes of section 605A(d) of the Fair Credit Reporting
Act, as amended by this Act.
(c) Technical Amendment.--Section 603(q)(2) of the Fair Credit
Reporting Act (15 U.S.C. 1681a(q)(2)) is amended--
(1) in the heading for such paragraph, by striking ''active
duty alert'' and inserting ''active duty alert; active duty
freeze alert''; and
(2) by inserting ''and 'active duty freeze alert''' before
''mean''.

SEC. 5. REPORT ON EFFECT ON PRIVACY OF VETERANS BY USE OF SOCIAL
SECURITY NUMBERS TO UNIQUELY IDENTIFY VETERANS.

(a) In General.--Not later than 120 days after the date of the
enactment of this Act, the Secretary of Veterans Affairs shall submit
to the Committee on Veterans' Affairs of the Senate and the Committee
on Veterans' Affairs of the House of Representatives a report on the
effect on the privacy of veterans of the use of social security numbers
to uniquely identify veterans.
(b) Contents.--The report required by subsection (a) shall include
the following:
(1) A description of such actions as the Secretary may have
taken to transition the Department of Veterans Affairs from the
use of social security numbers to uniquely identify veterans to
the use of alternative and safer unique identifiers.
(2) A description of such actions as the Secretary may have
taken to integrate the use by the Department of Veterans
Affairs of such alternative and safer unique identifiers with
the usage of unique identifiers by the Department of Defense.
(3) In a case in which the Secretary has not taken any
actions described in paragraph (1) or (2), an explanation as to
why such actions have not been taken and a description of the
actions the Secretary will take to protect the privacy of
veterans.
Servicemember and Veteran Protection Act of 2015 Amends title IV (Student Assistance) of the Higher Education Act of 1965 to allow members of the Armed Forces and National Guard to defer payments of principal on their Federal Family Education Loans, William D. Ford Federal Direct Loans, and Federal Perkins Loans for the period (up to 180 days) beginning on the date they receive a call or order to duty in connection with a war, military operation, or national emergency and ending on their first day of service. (Currently, the payment of principal on those loans is also deferred during their period of service and for the 180-day period after their demobilization date.) Allows individuals whose call to duty is cancelled before their first day of service: (1) due to a service training injury, to defer payments of principal on those loans through what would have been their period of service; and (2) for a reason other than a service training injury, to defer payments of principal on those loans for 14 days after that cancellation. Directs the Secretary of Defense, each fiscal year, to provide an increase in the rates of educational assistance payable to certain members of the Selected Reserve, which shall be not less than the percentage by which the average cost of undergraduate tuition in the United States for the last academic year exceeds the average cost of such tuition for the year before that academic year. (Currently, such percentage increase is based on increases in the Consumer Price Index over such period.) Amends the Fair Credit Reporting Act to require a consumer reporting agency, upon the request of an active duty military consumer or an individual acting on that consumer's behalf, to: include an active duty freeze alert in the file of that consumer and also provide that alert along with any credit score generated in using that file for at least 12 months, exclude the consumer for 2 years from any list of consumers prepared by the agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, and refer the active duty freeze alert information to each of the other consumer reporting agencies that compile and maintain files on consumers on a nationwide basis. Requires each active duty freeze alert to notify prospective users of the consumer's credit report that the consumer does not authorize: (1) the establishment of any new credit plan or extension of credit in the consumer's name, (2) the issuance of an additional card on an existing credit account requested by a consumer, or (3) any increase in the credit limit on an existing credit account requested by a consumer. Prohibits prospective users of the credit report from taking such actions. Directs the Secretary of Veterans Affairs to report to Congress on the effect on the privacy of veterans of the use of social security numbers to uniquely identify veterans.