Servicemembers Civil Relief Act (SCRA)

Army Reserve: Retired

Benefit Fact Sheet

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The Servicemembers' Civil Relief Act of 2003 (SCRA), formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940 (SSCRA), is a federal law that gives all military members some important rights as they enter active duty. It covers such issues as rental agreements, security deposits, prepaid rent, eviction, installment contracts, credit card interest rates, automobile leases, mortgage interest rates, mortgage foreclosure, civil judicial proceedings, and income tax payments. It also provides many important protections to military members while on active duty.

Note: Servicemembers may give up some SCRA rights if they sign a waiver during or after their military service.


Retired Army Reserve servicemembers are not eligible for the Servicemembers' Civil Relief Act.

Additional Information

Army Reserve Servicemembers and Family members with SCRA questions should contact their local Legal Assistance Office:

SCRA Consumer Compliance Handbook:

Department of Justice:

U.S. Code Chapter 50: Servicemembers Civil Relief:

SCRA Website-OSD:

Document Review Date: 06 November 2023