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HB 2771

Provides federal Servicemember Civil Relief Act (SCRA) protections to National Guard members called to state duty

2026 Regular Session Introduced by Stephanie Boykin and 1 co-sponsor

Missouri bill extends federal debt protection (SCRA) to National Guard members activated for state emergency duty, covering interest caps and eviction shields.

Referred: Veterans and Armed Forces(H)
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Bill Summary · HB 2771

Legislative bill overview

HB 2771 extends federal Servicemember Civil Relief Act (SCRA) protections to Missouri National Guard members when they are activated for state duty. Currently, SCRA protections—which include interest rate caps on debts, eviction protections, and other financial safeguards—only apply to service members on active federal duty. This bill would expand those protections to cover state-activated National Guard personnel.

Why is this important

National Guard members called to state duty for emergencies (natural disasters, civil unrest, public health crises) face financial hardship while serving without the same legal protections as federally-activated service members. Extending SCRA protections would help prevent service members from losing homes, facing predatory lending, or suffering credit damage during state emergency activations—a gap that has grown more relevant as states increasingly mobilize National Guard units.

Potential points of contention

  • Federal vs. state authority: SCRA is federal law; applying it to state-activated duty raises questions about federal mandates on state spending and administration
  • Financial impact: Lenders and creditors argue extended protections create losses, potentially increasing interest rates elsewhere or reducing credit availability
  • Scope ambiguity: Unclear whether protections apply to all state activations or only certain types (emergency, disaster, etc.), and how long protections last after duty ends

Compiled from official sources — confirm details with the bill’s official record.

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