Promote military consumer protections

The Department of Defense depends on the assistance of state regulators to protect Service members and their families from harmful credit practices.

The Department of Defense regulation: Limitations on Terms of Consumer Credit Extended to Service Members and Dependents, 32 C.F.R Part 232, implements § 670 of the John Warner National Defense Authorization Act for Fiscal Year 2007, Public Law 109-364, which has been codified as 10 U.S.C. § 987

The current regulation covers three forms of credit: payday, vehicle title and tax-refund anticipation loans.

Best Practices

For legislative best practices on military consumer protections, view Best Practices That Promote Military Consumer Protections (PDF).

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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.