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Service members Civil Relief Act (SCRA)

Understanding the Servicemembers Civil Relief Act (SCRA)

The Servicemembers Civil Relief Act (SCRA), enacted in 2003, modernized and expanded the protections previously established under the Soldiers' and Sailors' Civil Relief Act of 1940. This federal law is designed to provide financial and legal safeguards for active duty members of the U.S. Armed Forces during periods of military service, including overseas assignments and deployments.

The SCRA applies to service members across all branches, including those assigned to the U.S. Army, 7th Air Force, U.S. Space Force, U.S. Navy, U.S. Marine Corps, and U.S. Special Operations Command Korea. Certain protections may also extend to eligible dependents under specific circumstances.

Common SCRA Protections

The SCRA offers a wide range of protections related to:

  • Banking and credit card interest rates

  • Foreclosures and mortgage relief

  • Automobile loans and repossessions

  • Residential leases and early termination of rental agreements

  • Enforcement of civil judgments and legal proceedings

  • Family law considerations, such as custody and support

  • Tax relief and residency protections

  • Absentee voting rights

These protections are intended to reduce the legal and financial burdens that may arise while serving on active duty, especially during periods of transition such as overseas moves (OCONUS PCS) or extended deployments.

Where to Learn More

For a general overview of SCRA protections, visit Military OneSource – SCRA

For more in-depth information, including case studies and legal interpretations, visit the Military Officers Association of America (MOAA) – SCRA Guide

If you have specific questions about how SCRA protections may apply to your situation, or if you are preparing for a PCS move or deployment, contact your local Legal Assistance Office for personalized guidance.