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HR 5048 111th Congress House

National Heroes Credit Protection Act

Official title: To amend the Servicemembers Civil Relief Act to enhance the protection of credit ratings of servicemembers serving on active duty, and for other purposes.

Introduced: April 15, 2010 See on congress.gov
Armed Forces and National Security Consumer affairsConsumer creditMilitary personnel and dependents
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 16, 2010
Referred to the Subcommittee on Economic Opportunity.
Apr 15, 2010
Referred to the House Committee on Veterans' Affairs.
Apr 15, 2010
Introduced in House
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 Latest action April 16, 2010

Referred to the Subcommittee on Economic Opportunity.

 Plain-English summary Congressional Research Service

National Heroes Credit Protection Act - Amends the Servicemembers Civil Relief Act to authorize a servicemember, after having served on active duty for more than 180 days, to request that a consumer reporting agency (CRA) include in that servicemember's file a military service deployment alert. Requires the CRA to: (1) provide the alert to each person who requests the credit score or consumer report of such servicemember; and (2) develop and maintain procedures for referral of such alert to other CRAs.

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

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 5048: National Heroes Credit Protection Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-5048/
MLA
"H.R. 5048: National Heroes Credit Protection Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-5048/.
Bluebook (legal)
H.R. 5048, 111th Cong. (2026), https://openamerica.io/bill/111-HR-5048/.
Markdown link
[H.R. 5048: National Heroes Credit Protection Act](https://openamerica.io/bill/111-HR-5048/)
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