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H.R. 513 110th Congress House

National Heroes Credit Protection Act

Official title: A bill to amend the Servicemembers Civil Relief Act to enhance the protection of credit ratings of members of the reserve component who serve on active duty in… Show full official titleShow less

Official title: A bill to amend the Servicemembers Civil Relief Act to enhance the protection of credit ratings of members of the reserve component who serve on active duty in support of a contingency operation, and for other purposes.

Introduced: October 16, 2007 See on congress.gov
Armed Forces and National Security CommerceConsumer creditFinance and Financial SectorMilitary personnel
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 15 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 6, 2007
Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.
Nov 5, 2007
The title of the measure was amended. Agreed to without objection.
Nov 5, 2007
Motion to reconsider laid on the table Agreed to without objection.
Nov 5, 2007
On motion to suspend the rules and pass the bill, as amended Agreed to by the Yeas and Nays: (2/3 required): 349 - 0 (Roll no. 1035). (text: CR H12471)
Nov 5, 2007
Considered as unfinished business. (consideration: CR H12481-12482)
Nov 5, 2007
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
Nov 5, 2007
DEBATE - The House proceeded with forty minutes of debate on H.R. 513.
Nov 5, 2007
Considered under suspension of the rules. (consideration: CR H12471-12472)
Nov 5, 2007
Mr. Filner moved to suspend the rules and pass the bill, as amended.
Oct 25, 2007
Forwarded by Subcommittee to Full Committee (Amended) .
Oct 25, 2007
Subcommittee Consideration and Mark-up Session Held.
Jun 21, 2007
Subcommittee Hearings Held.
Mar 2, 2007
Referred to the Subcommittee on Economic Opportunity.
Jan 17, 2007
Referred to the House Committee on Veterans' Affairs.
Jan 17, 2007
Introduced in House
 Votes taken on this bill 1
DateChamberWhat was voted onResultYes–No
Nov 5, 2007 House · vote #1035 On Motion to Suspend the Rules and Pass, as Amended Passed 349–0 See who voted →
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 Latest action November 6, 2007

Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

 Plain-English summary Congressional Research Service

National Heroes Credit Protection Act - Amends the Soldiers' and Sailors' Civil Relief Act of 1940 to authorize a member of the reserves who is deployed outside the United States for 180 days or more in support of a contingency operation (servicemember) to request that a consumer reporting agency (CRA) include in that servicemember's file a military service deployment explanation (explanation) with respect to an account that was opened by the servicemember before such deployment.

Requires: (1) a reseller of credit reporting information to include in any report on a servicemember any explanation placed in such servicemember's file by another CRA; and (2) any user of a consumer credit report containing such explanation to acknowledge the explanation.

 Bill text 3 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 3
All 3 Democratic 2
Bordallo, Madeleine
· Nov 5, 2007
 D
Lofgren, Zoe
California · Oct 16, 2007
 D
Davis, Danny K.
Illinois · Jun 20, 2007
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 513: National Heroes Credit Protection Act. 110th Congress. Open America. https://openamerica.io/bill/110-HR-513/
MLA
"H.R. 513: National Heroes Credit Protection Act." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-513/.
Bluebook (legal)
H.R. 513, 110th Cong. (2026), https://openamerica.io/bill/110-HR-513/.
Markdown link
[H.R. 513: National Heroes Credit Protection Act](https://openamerica.io/bill/110-HR-513/)
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