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HR 3691 113th Congress House

Transparency in Military Lending Act of 2013

Official title: To amend title 10, United States Code, to require additional disclosures when lending to military members and their dependents, and for other purposes.

Introduced: December 10, 2013 See on congress.gov
Armed Forces and National Security Consumer affairsConsumer creditFinancial services and investmentsGovernment information and archives
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Interest, dividends, interest ratesMilitary personnel and dependents
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This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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
Jan 24, 2014
Referred to the Subcommittee on Military Personnel.
Dec 10, 2013
Referred to the House Committee on Armed Services.
Dec 10, 2013
Introduced in House
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 Latest action January 24, 2014

Referred to the Subcommittee on Military Personnel.

 Plain-English summary Congressional Research Service

Transparency in Military Lending Act of 2013 - Requires a creditor to provide to a member of the Armed Forces on active regular, reserve, or National Guard duty or such member's dependent, with respect to any extension of consumer credit, and to obtain the member's or dependent's signed acknowledgement of: (1) a statement that the Department of Defense (DOD) and each service branch offers a variety of financial counseling services; (2) a statement that other, potentially lower interest rate loans may be available through other financial institutions and military relief societies; (3) contact information for the nearest DOD financial counseling office; and (4) the actual cost of the extension of credit when paid off at different points over time.

Directs the Secretary of Defense to prepare a list of DOD financial counseling offices and make such list available to creditors and the public.

 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. 3691: Transparency in Military Lending Act of 2013. 113th Congress. Open America. https://openamerica.io/bill/113-HR-3691/
MLA
"H.R. 3691: Transparency in Military Lending Act of 2013." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-3691/.
Bluebook (legal)
H.R. 3691, 113th Cong. (2026), https://openamerica.io/bill/113-HR-3691/.
Markdown link
[H.R. 3691: Transparency in Military Lending Act of 2013](https://openamerica.io/bill/113-HR-3691/)
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