Promote consumer protections and enforcement of the predatory lending regulation

Military consumers are vulnerable to unscrupulous practices. Additionally, some lending practices create a cycle of debt, thus detracting from financial wellbeing and military readiness. 

States can help by working with the military community on consumer concerns and by fully enforcing the Department of Defense (DoD) Regulation on payday, vehicle title, and refund anticipation loans.

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Issue Status Key

The composite rating for this issue is based on the following criteria:

  • Star
    Bill introduced and currently active
  • Blue square
    State has made movement towards achieving desired outcomes; for example, passed best practice legislation, made policy changes or shown where the state has policy supporting the desired outcome
  • Yellow square
    State has not made changes that move towards achieving desired outcomes

Desired Outcomes

This issue is comprised of two elements:

Enforcement of predatory lending regulation
The credit administrator has enforcement authority or the covered credit products are not authorized in the state.

Access to the Military Sentinel database
Has access to the Military Sentinel database.