Know the law. Keep your money.

The protections

Where your money is hiding

• The 6% Interest Rate Cap

  Cut every pre-service debt (credit cards, auto loans, mortgages, student loans) to 6% APR and claim refunds.

• Break Leases & Contracts Penalty-Free

  End apartment leases, auto leases, and phone contracts without fees when orders move you.

• Protect Your Home & Car

  Foreclosure and repossession protections that keep your biggest assets safe during service.

• Eligibility & Timing

  Who qualifies, what paperwork proves it, and exactly when protections start and stop.

• Military Money Moves

  Beyond the rights, the money plays that maximize your benefits: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves generic guides never cover.

• Defend Your Rights in Court

  Sued, served, or facing eviction while you serve? Default-judgment shields, the 90-day stay, the rights you can be tricked into waiving, and how to make a lender that broke the law pay.

• The Military Lending Act (36% Cap)

  The SCRA covers debt from before you served; the Military Lending Act caps NEW consumer credit taken out while you serve at a 36% MAPR, and bans the predatory terms that target troops.

• SCRA for Landlords, Lenders & Courts

  The other side of the desk: what a landlord, lender, servicer, collector or court must do under the SCRA. The military affidavit, the DMDC status check, the notices, the deadlines, and what DOJ has fined for getting them wrong.

• State-by-State SCRA Benefits

  Your state stacks its own protections on top of the federal SCRA: state-duty Guard coverage, longer rate caps, broader lease exits. What applies where you live.

The receipts

Checked against the source, on a date

Military blogs repeat SCRA rates and phone numbers no bank publishes. We fetch every issuer's own page, stamp what we find with the date we found it, and re-check monthly.

• The SCRA department directory

  Every major issuer's SCRA desk: phone, fax, mailing address, portal. Call the right desk the first time.

• The rate tracker

  What each bank's own page actually states, re-verified monthly, every change logged with a date.

• The scorecard

  Banks say "two billing cycles." Servicemembers report what actually happened. Add yours.

The enforcement desk

What it costs to break this law

Every Justice Department SCRA action, transcribed from the DOJ record: 65 cases, who paid, how much, and for what. If your lender or landlord is on this list, read the order before you call them.

• 2026 · repossession

  CarMax SCRA Settlement: 28 Vehicles Repossessed Without Court Orders

  28 vehicles

• 2026 · repossession

  Holmes Motors SCRA Settlement: Repossessions and Kept Deposits

  Three vehicles repossessed, five leases terminated

• 2026 · consumer contract

  ADT SCRA Settlement: $1.26 Million to 3,400 Servicemembers

  At least 3,400 servicemembers

• 2026 · default judgment

  Rental Marketing Solutions: $60,000 for One False Military Affidavit

  One active-duty Navy sailor; DOJ calls it the largest amount it has ever obtained for a single servicemember in a false-affidavit case

Browse the full enforcement ledger · Landlord, lender or court? Start with the compliance desk

New to the SCRA

Start here

• What Is the SCRA? The Military Law Worth Thousands a Year

  The SCRA (Servicemembers Civil Relief Act) caps pre-service debt at 6%, ends leases on orders, and blocks foreclosure without a court order. How it works.

• SCRA Interest Rate Cap: The 6% Rule, How It Works, How to File

  The SCRA 6% rule (50 U.S.C. § 3937): pre-service debt capped at 6%, excess forgiven, retroactive, mortgages one year after service. Who goes lower, how to file.

• SCRA Eligibility: Who Qualifies, When It Starts & Ends

  Who qualifies for the SCRA under 50 U.S.C. § 3911: active duty, Guard, Reserve, spouses, veterans, and which debts count. Status table, start and end dates.

Fresh off the desk

Latest guides

• ADT Military Cancellation Under the SCRA: Orders, Email, No ETF

  ADT's SCRA page (effective April 9, 2026): email notice and orders to docs6273@adt.com. No early termination fee, refund in 60 days, free reinstatement in 90.

  No ETF on a 36-month monitoring plan

• Affirm SCRA: 6% Cap on Pre-Service Loans, Filed by Webform

  Affirm publishes a 6% SCRA cap for loans opened before active duty. File through the Help Center support form with your loan ID and orders; phone 855-423-3729.

  The statutory 6% cap on pre-service Affirm plans

• American Credit Acceptance SCRA: 6% Cap, Request Form, 180-Day Window

  American Credit Acceptance (not Credit Acceptance Corp.) publishes an SCRA rate reduction form: 6% from your duty start date, filed to Spartanburg, SC.

  The 6% cap against a subprime dealer-arranged rate

• AT&T Military Cancellation and Number Hold: The SCRA Rules

  AT&T cancels wireless with no ETF on deployment or transfer orders, holds a number up to 39 months, and can stop device installments. Online path, fax, forms.

  No ETF, installments can stop

• Carrington Mortgage SCRA: Servicemembers Connection 888-267-5474

  Carrington routes SCRA requests to its Military Liaison: (888) 267-5474, 8 to 8 ET, or ServicemembersConnection@carringtonms.com. No rate printed; 6% applies.

  6% cap for service plus one year

• Citizens Bank SCRA: Email the Military Assistance Team, 30-Day Answer

  Citizens takes SCRA requests by email (MilitaryAssistance@citizensbank.com), fax 855-872-1791, or mail to Johnston, RI, and answers in writing within 30 days.

  The 6% cap on cards, auto, student loans, mortgage, and home equity

Beyond the federal floor

What your state adds on top of the federal SCRA

The SCRA is the federal floor. Most states stack their own protections on top: a state SCRA of their own, National Guard coverage on state active duty, longer rate caps, or broader lease exits. Find yours on the map, then open its page.

Browse the full state directory →