,,ii  #aahth ,,congress  #b;d ,session  
,s4 #dajb  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,april #aj1    
#bjbd,mr4 ,ossoff 7for himself and ,mr4 
,scott of ,florida7 introduced the      
following bill2 which was read twice and
 referred to the ,committee on ,armed   
,services  ,a ,,bill  ,to amend title   
#aj1 ,united ,states ,code1 to include  
training regarding financial protections
 under the ,servicemembers ,civil       
,relief ,act in certain financial       
literacy training programs for members  
of the ,armed ,forces1 and for other    
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,improving ,,scra   
,benefit ,utilization ,act4  #b4        
,financial literacy training regarding  
the ,servicemembers ,civil ,relief ,act 
,section #iib of title #aj1 ,united     
,states ,code1 is amended-- 7#a7 in     
subsection 7a77#a7-- 7,a7 by            
redesignating subparagraphs 7,d7 and    
7,e7 as subparagraphs 7,e7 and 7,f71    
respectively2 and  7,b7 by inserting1   

after subparagraph 7,c71 the following  
new subparagraph 7,d73  7,d7 consumer   
financial protections afforded to       
members and their dependents under the  
law1 including protections regarding    
interest rate limits under section #bjg 
of the ,servicemembers ,civil ,relief   
,act 7#ej ,u4,s4,c4 #cicg72  2 and  7#b7
 in subsection 7d77#a71 by inserting    
7including with regards to knowledge and
 use of protections regarding interest  
rates under section #bjg of the         
,servicemembers ,civil ,relief ,act 7#ej
 ,u4,s4,c4 #cicg77 after preparedness4  
#c4 ,notification of benefits under the 
,servicemembers ,civil ,relief ,act to  
servicemembers called or ordered to     
active duty or to active service        
,section #aje of the ,servicemembers    
,civil ,relief ,act 7#ej ,u4,s4,c4      
#ciae7 is amended-- 7#a7 by striking the
 period at the end and inserting 1      
including--2 and  7#b7 by adding at the 
end the following new paragraphs3  7#a7 
at the time a person first enters       

military service2 and  7#b7 in the case 
of a person who is a member of a reserve
 component-- 7,a7 at the time the person
 first enters service in the reserve    
component2 and  7,b7 at any time when   
the person is mobilized or otherwise    
individually called or ordered to active
 duty for a period of more than #cj     
days4  4  #d4 ,financial institution    
obligation to apply maximum rate of     
interest on all servicemember debts     
incurred before military service        
,section #bjg7;b7 of the ,servicemembers
 ,civil ,relief ,act 7#ej ,u4,s4,c4     
#cicg7 is amended-- 7#a7 in paragraph   
7#b7-- 7,a7 by striking the creditor    
shall treat the debt in accordance with 
subsection 7a71 effective as of the date
 on which the servicemember is called to
 military service4 and inserting the    
creditor shall--2 and  7,b7 by adding at
 the end the following new              
subparagraphs3  7,a7 treat the debt in  
accordance with subsection 7a71         
effective as of the date on which the   

servicemember is called to military     
service2 and  7,b7 treat any other      
obligation or liability of the          
servicemember to the creditor in        
accordance with subsection 7a71 whether 
or not such obligation or liability was 
specifically mentioned in a notice      
provided by the servicemember under     
paragraph 7#a77;,a74  2 and  7#b7 by    
adding at the end the following new     
paragraph3  7#c7 ,submission of         
documents ,a creditor shall provide all 
necessary mechanisms to ensure that a   
servicemember is able to submit any     
documents required in order for an      
obligation or liability of the          
servicemember to be subject to the      
interest rate limitation in subsection  
7a7 either online1 by mail1 or by fax1  
at the election of the servicemember4  4