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S. 1389: Military Consumer Enforcement Act

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S. 1389: Military Consumer Enforcement Act

115th Congress · introduced 2017-06-21 · Finance and Financial Sector · Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S3688)

federal

Follow this bill, step by step

  1. Where it came from: introduced 2017-06-21 · official record
  2. Who proposed it: Sen. Reed, Jack [D-RI] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (Sponsor introductory remarks on measure: CR S3688) 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

Military Consumer Enforcement Act

Plain summary

Military Consumer Enforcement Act This bill amends the Consumer Financial Protection Act to extend Consumer Financial Protection Bureau oversight and protection to persons covered by provisions of the Servicemembers Civil Relief Act concerning: future financial transactions, excluding insurance; default judgments, excluding child custody proceedings; interest rates on pre-service debts; evictions; purchase or lease installment contracts; mortgages and trusts; motor vehicle leases; telephone service contracts; waiver of rights pursuant to a written agreement, excluding bailments; and the rights and protections of reserves ordered to report for military service and persons ordered to report for induction.

Congressional Research Service summary (Introduced in Senate), 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

Military Consumer Enforcement Act

Source: Congressional Research Service summary (Introduced in Senate)

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The strongest published arguments

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Alternatives

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

Officials and money

Sponsor: Sen. Reed, Jack [D-RI] · 16 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Richard Blumenthal (D-CT), Tim Kaine (D-VA), Tammy Duckworth (D-IL), Elizabeth Warren (D-MA), Tammy Baldwin (D-WI), Amy Klobuchar (D-MN), Catherine Cortez Masto (D-NV), Chris Van Hollen (D-MD), Mazie K. Hirono (D-HI), Richard J. Durbin (D-IL), Jeff Merkley (D-OR), Mark R. Warner (D-VA)

Sponsor's campaign money: Sen. Reed, Jack [D-RI] reported raising $3.7 million (2025–2026). Details. Shown for context only; it does not mean any donor supported this bill.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Words on this page, explained (1)
Bill
A proposed law. It becomes law only if it passes the legislature and is signed by the president or governor (or a veto is overridden).

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong115-s1389 · catalog fed-us-congress-bills-cong115 · updated 2026-11-15 by psicol fed-bills-cong115