# § 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.
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**Source Credit**: (Oct. 17, 1940, ch. 888, title I, § 108, as added Pub. L. 108–189, § 1, Dec. 19, 2003, 117 Stat. 2840; amended Pub. L. 118–31, div. A, title XVII, § 1742(c)(3), Dec. 22, 2023, 137 Stat. 681.)
## Editorial Notes
### Codification
Section was formerly classified to section 518 of the former Appendix to this title prior to editorial reclassification and renumbering as this section.
### Prior Provisions
A prior section 108 of , art. I, as added , , , related to the effect of certain future financial transactions on the exercise of rights, prior to the general amendment of this Act by .
### Amendments
2023—Par. (5). inserted “or as a member of the Space Force” before period at end.
## Statutory Notes and Related Subsidiaries
### Effective Date
Section applicable to any case not final before , see , set out as a note under .