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

  The money plays beyond the rights: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves that pay.

• Defend Your Rights in Court

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

• The Military Lending Act (36% Cap)

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

• SCRA for Landlords, Lenders & Courts

  What a landlord, lender, servicer, collector or court must do under the SCRA: the military affidavit, the DMDC check, notices, deadlines, and the DOJ fines.

• 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: 66 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 Fund, at Least 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.

Look it up

By state, by company, by section

• Military affidavit forms 48 jurisdictions, each checked on its court's own site
• Is military retirement taxed in your state? 42 state pages with a calculator
• Vehicle tax exemptions for servicemembers 9 state pages
• Cancel a phone, internet, gym or security contract on orders with company-by-company guides
• Car insurance on deployment insurer by insurer
• Privatized base housing rights and the companies that run it
• SCRA violations by type from 66 DOJ and court records
• What servicemembers report to the CFPB 349 companies, with money-back rates and trends
• Legal assistance offices free SCRA help at 196 installations, phone and hours
• SCRA lawyers by state counsel of record in 382 court decisions
• The SCRA, section by section 40 sections with their full text

Fresh off the desk

Latest guides

• Avant SCRA: Email scra@avant.com, 6% Cap, No Late or NSF Fees

  Avant caps eligible loans and AvantCards at 6% for active duty and skips late and NSF fees. What to email, which papers count, and the 180-day deadline.

  About $600/yr on $2,000 at 35.99%

• BSI Financial SCRA: A Contact-Page Notice and a Blank HUD Form

  BSI Financial asks servicemembers to notify it but names no SCRA desk, and its HUD SCRA notice still has the lender contact left blank. How to file for 6%.

  6% cap for service plus one year

• CashNetUSA and NetCredit SCRA: 6% on Pre-Service Debt, Who to Email

  CashNetUSA says pre-service debt drops to 6% on active duty and routes requests to its compliance team. A 299% line draw shows what that cap is worth.

  $719.50 of charges vs about $9 at 6%

• Planet Home Lending SCRA: Fax or Mail Your Orders to Meriden, CT

  Planet Home Lending caps pre-service mortgages at 6% and forgives the excess. Send orders by fax or mail, since its own page warns against plain email.

  6% cap, excess forgiven retroactively

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• RoundPoint Mortgage SCRA: DMDC Check, 6% Cap, and the Orders Email

  RoundPoint checks the DMDC database, caps pre-service mortgages at 6% for service plus 12 months, and takes corrected orders at SCRA@roundpointmortgage.com.

  6% cap for service plus 12 months

• Select Portfolio Servicing SCRA: Call 888-818-6032, Then Write

  SPS publishes one SCRA paragraph, behind a tab on its mortgage assistance page, and a phone line. No rate, no address. How to get the 6% cap anyway.

  6% cap for service plus one year

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 →