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Military Lending Act Database Search

Easily identify covered borrowers so you can be compliant with the Military Lending Act

Easily verify consumer eligibility with Military Lending Act Database Search from TransUnion

The men and women in the U.S. armed forces protect our country every day. The Military Lending Act (MLA) and 2015 Final Rule were passed to protect these service members and their families. Under the Final Rule:

  • Lenders are required to verify if a consumer is covered under MLA
  • 36% is the maximum annual percentage rate (MAPR) for military members
  • MLA coverage now applies to all forms of open- and closed-end credit covered under the Truth in Lending Act (excluded: residential mortgages, federal student loans, traditional DDA overdraft protection, most auto loans – except "covered" loans)

Military Lending Act database search from TransUnion is a fully compliant suite of products to verify consumer eligibility, so your business will be ready by the Oct. 3, 2016 (Oct. 3, 2017 for credit cards) deadline.

All Military Lending Act Search capabilities work with existing TransUnion solutions and give you peace of mind knowing you are using Information for GoodSM.

“TransUnion is fully committed to helping our lending partners comply with the new requirements under the Military Lending Act. We've created the Military Lending Act Search flag as part of the credit report and the model report in order to help lenders easily check the Military Lending Act database at the time they're underwriting their credit.”

– Jason Laky
Vice president and consumer lending business leader for TransUnion

Product Highlights

Ease of use through TransUnion’s matching logic and straightforward integration

Targeted, powerful data by searching our MLA database using simple input criteria, such as name, address, DOB and SSN

Compliance that protects both lender and consumer

Obtain critical consumer data via a TransUnion MLA covered-borrower file. It's updated regularly for all active duty, reserve and National Guard personnel and their dependents over age 18

Full production and administrative support is available

If you’re a consumer with questions or issues related to your personal credit report, drivers history report, disputes, fraud, identity theft, credit report freeze or credit monitoring services, please visit our Customer Support Center for assistance.

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