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MLA MAPR Calculator

Computes the Military Annual Percentage Rate (MAPR) and tests compliance with the 36% statutory cap per 10 USC §987(b) and 32 CFR §232.4(c). The MAPR includes finance charges, credit insurance premiums, and credit card fees not otherwise excluded. Bona-fide participation fees up to $100/year and bona-fide application fees may be excluded per 32 CFR §232.4(c)(1)(iii). Applies to consumer credit extended to covered borrowers (active-duty servicemembers and their dependents). Table: MLA-DOD-32CFR232-2016-10-03.

10 USC §987(b) 32 CFR §232.4(c) DoD MLA Rule 2016 36% MAPR Cap Covered Borrowers
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
ⓘ Not legal or compliance advice. Covered-borrower status must be verified via the DoD MLA database (dmdc.osd.mil/mla) before extending credit. This tool computes the MAPR arithmetic; it does not query the DoD database.
Loan Characteristics
Reg Z APR. Used as floor for MAPR if finance charges not itemized.
Includable MAPR Charges
These amounts are included in MAPR per 32 CFR §232.4(c)(1). Enter zero for items not applicable.
If zero, finance charges are computed from stated APR.
Total premium for credit life, disability, or unemployment insurance.
Non-excluded credit card annual fee (above bona-fide $100/yr limit).
Excluded Charges
Eligible exclusions per 32 CFR §232.4(c)(1)(iii). Participation fee exclusion applies only to credit card accounts.
Up to $100/yr may be excluded for credit cards providing specific benefit (32 CFR §232.4(c)(1)(iii)(A)).
Bona-fide fee charged consistently to all applicants; excludable per 32 CFR §232.4(c)(1)(iii)(B).
MAPR Result
Charge Breakdown
Execution Hash (SHA-256)