#aaith ,,congress  #b;d ,session  ,s4   
#bjgd  ,,an ,,act  ,to amend the ,fair  
,credit ,reporting ,act to expand the   
definition of an active duty military   
consumer for purposes of certain credit 
monitoring requirements1 and for other  
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,servicemembers'    
,credit ,monitoring ,enhancement ,act4  
#b4 ,credit monitoring  7a7 ,in general 
,the ,fair ,credit ,reporting ,act 7#ae 
,u4,s4,c4 #afha et seq47 is amended--   
7#a7 in section #fje;,a7k7 7#ae         
,u4,s4,c4 #afha;c-#a7k77-- 7,a7 by      
striking paragraph 7#a7 and inserting   
the following3  7#a7 ,definitions ,in   
this subsection3 7,a7 ,armed forces ,the
 term armed forces has the meaning given
 the term in section #aja7;a7 of title  
#aj1 ,united ,states ,code4  7,b7 ,armed
 forces member consumer ,the term armed 
forces member consumer means a consumer 
who1 regardless of duty status1 is a    
member of the armed forces4  2 and  7,b7
 in paragraph 7#b77;,a71 by striking    

active duty military consumer and       
inserting armed forces member consumer2 
and  7#b7 in section #fbe7;b77#a77,k7   
7#ae ,u4,s4,c4 #afhat7b77#a77,k771 by   
striking active duty military consumers 
and inserting armed forces member       
consumers4  7b7 ,effective date ,the    
amendments made by subsection 7a7 shall 
take effect on the date that is #a year 
after the date of enactment of this     
,act4  ,passed the ,senate ,march #e1   
#bjbf4,secretary