Improving SCRA Benefit Utilization Act of 2025

This bill aims to help military members and their families better use the protections they already have under the Servicemembers Civil Relief Act (SCRA). It adds SCRA topics—like interest rate limits on pre-service debts—to the military’s required financial training, so people learn about these rights early and clearly . It also makes sure service members are told about their SCRA benefits when they first join, when they join the reserves, and whenever they’re mobilized for more than 30 days .

For loans and credit taken out before military service, the bill requires banks and other lenders to apply the SCRA interest rate cap to all of a service member’s debts with that lender—not just the ones listed in the member’s notice. It also requires lenders to let service members submit needed paperwork online, by mail, or by fax, whichever is easiest .

• Who is affected: Active-duty members, reserve members, and their families .
• What changes:
  • SCRA training is added to required financial education for service members .
  • Service members get SCRA benefit notices at entry and when mobilized .
  • Lenders must apply the SCRA interest cap to all pre-service debts with that lender and offer easy ways to submit documents (online/mail/fax) .
• When it matters: At first entry to service, when joining the reserves, and any time a reserve member is called to active duty for more than 30 days; and whenever a lender processes SCRA interest rate requests for pre-service debts .