§ 3919. Exercise of rights under chapter not to affect certain future financial transactions

Application by a servicemember for, or receipt by a servicemember of, a stay, postponement, or suspension pursuant to this chapter in the payment of a tax, fine, penalty, insurance premium, or other civil obligation or liability of that servicemember shall not itself (without regard to other considerations) provide the basis for any of the following:

• (1) A determination by a lender or other person that the servicemember is unable to pay the civil obligation or liability in accordance with its terms.
• (2) With respect to a credit transaction between a creditor and the servicemember—
  • (A) a denial or revocation of credit by the creditor;
  • (B) a change by the creditor in the terms of an existing credit arrangement; or
  • (C) a refusal by the creditor to grant credit to the servicemember in substantially the amount or on substantially the terms requested.
• (3) An adverse report relating to the creditworthiness of the servicemember by or to a person engaged in the practice of assembling or evaluating consumer credit information.
• (4) A refusal by an insurer to insure the servicemember.
• (5) An annotation in a servicemember’s record by a creditor or a person engaged in the practice of assembling or evaluating consumer credit information, identifying the servicemember as a member of the National Guard or a reserve component or as a member of the Space Force.
• (6) A change in the terms offered or conditions required for the issuance of insurance.