PSI Sci
New here? Follow the money and the votes · Not sure of your district? Find your U.S. House member · Find your state legislators

H.R. 513: National Heroes Credit Protection Act

Before you vote › Federal bills

H.R. 513: National Heroes Credit Protection Act

110th Congress · introduced 2007-01-17 · Armed Forces and National Security · Latest: Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2007-01-17 · official record
  2. Who proposed it: Rep. Brady, Robert A. [D-PA-1] · what a sponsor is
  3. What happened next: 1 recorded vote in our records. Latest: House roll call 1035 (2007): On Motion to Suspend the Rules and Pass, as Amended, HR513 (2007-11-05), Passed. See all
  4. Where it stands now: Received in the Senate and Read twice and referred to the Committee on Veterans' Affairs. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

National Heroes Credit Protection Act

Plain summary

National Heroes Credit Protection Act - Amends the Soldiers' and Sailors' Civil Relief Act of 1940 to authorize a member of the reserves who is deployed outside the United States for 180 days or more in support of a contingency operation (servicemember) to request that a consumer reporting agency (CRA) include in that servicemember's file a military service deployment explanation (explanation) with respect to an account that was opened by the servicemember before such deployment. Requires: (1) a reseller of credit reporting information to include in any report on a servicemember any explanation placed in such servicemember's file by another CRA; and (2) any user of a consumer credit report containing such explanation to acknowledge the explanation.

Congressional Research Service summary (Passed House amended), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

National Heroes Credit Protection Act

Source: Congressional Research Service summary (Passed House amended)

AI explanation – may be wrong, check the official text

No AI explanation yet. It takes up to a minute to write and is then saved for everyone.

Limited to a few requests an hour per person.

The strongest published arguments

Arguments for (supporters)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Arguments against (opponents)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Brady, Robert A. [D-PA-1] · 22 cosponsors

Cost estimate: CBO cost estimate: H.R. 513, National Heroes Credit Protection Act (2007-11-02); CBO cost estimate: H.R. 513, National Heroes Credit Protection Act (2007-11-02)

Cosponsors on this site

Danny K. Davis (D-IL), Zoe Lofgren (D-CA)

Recorded votes

Words on this page, explained (1)
Authorization
A law that creates or continues a government program and says what it may do, often with a suggested spending ceiling. An authorization alone does not provide money; a separate appropriation does.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong110-hr513 · catalog fed-us-congress-bills-cong110 · updated 2026-11-15 by psicol fed-bills-cong110