Editorial Policy
Who writes SCRA Saver
Guides are written and edited by Mario Bailey, the site's founder, a U.S. Air Force veteran and current Air National Guard member with a professional background in banking and financial services. Every article carries his byline and links to his profile. A credentialed independent reviewer (accredited military financial counselor or attorney) is planned; when that seat is filled, reviewed articles will say so by name.
Sourcing
Every claim about what the law requires is cited to its section of the U.S. Code (the SCRA lives at 50 U.S.C. §§ 3901–4043). Where we describe enforcement, deadlines, or agency processes, we rely on primary sources: the Department of Justice, the Consumer Financial Protection Bureau, the Government Accountability Office, Congress.gov, and official Department of Defense resources. Lender-specific details (such as voluntary benefit programs) are sourced to the lender's own published materials and clearly labeled as voluntary policies that can change. For the step-by-step verification process behind each page, see how we verify.
Review and updates
Guides are reviewed when the underlying law changes, including amendments passed in annual defense authorization acts, and on a recurring annual cycle. Each article displays its last updated date. Worked dollar examples are estimates and labeled as such.
Corrections
If we got something wrong, we want to know more than you do. Email corrections via our contact page with the article URL and the source that contradicts us. Verified errors are fixed promptly and material corrections are noted in the article.
Advertising and independence
SCRA Saver is supported by display advertising. Advertisers do not see, influence, or approve editorial content, and ad placements are always labeled. We do not accept payment for coverage or ranking of any lender or product.
Drafting tools
We use software tools, including AI assistance, in drafting and editing. Every published guide is fact-checked against the primary sources cited within it.
The disclaimer that matters
Nothing here is legal or financial advice, and no article can account for your specific situation. For individual guidance, your installation legal assistance office is free and authoritative. See our full terms.