Servicemember Lending Protections

Two-step chain covering both major servicemember lending protections in a single compliance run. Step 1 computes the Military Annual Percentage Rate (MAPR) and tests the 36% statutory cap under 10 USC §987(b) and 32 CFR §232.4(c), including bona-fide participation fee exclusions. Step 2 applies the SCRA 6% interest-rate cap under 50 USC §3937 for pre-service obligations, computing the retroactive interest credit and confirming that excess interest is forgiven — never deferred — per 50 USC §3937(a)(2). Tables: MLA-DOD-32CFR232-2016-10-03 and SCRA-50USC3937-2022.

OpenChainGraph · 2 Steps compliance mandate · Linear Hash-Anchored §4 chain_depth:2 Client-Side · Zero PII

Chain Stages · 2 Steps · Linear

1 ROOT node

MLA MAPR Calculator art-231-compute-mla-mapr

Computes the Military Annual Percentage Rate (MAPR) from loan amount, term, finance charges, credit insurance premiums, and credit-card annual fees. Applies the bona-fide participation fee exclusion ($100/yr max) and application fee exclusion per 32 CFR §232.4(c)(1)(iii). Tests the 36% statutory cap. Table: MLA-DOD-32CFR232-2016-10-03.

MCP Call · compute_mla_mapr

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_mla_mapr",
    "arguments": {
      "loan_amount": 10000,
      "term_months": 12,
      "stated_apr_pct": 28.0,
      "finance_charge_total": 800,
      "credit_insurance_premium_total": 200,
      "credit_card_annual_fee": 0,
      "is_credit_card": false,
      "participation_fee_annual": 0,
      "application_fee": 0
    }
  },
  "id": 1
}

↓

2 TERMINAL node

SCRA 6% Rate Cap art-232-compute-scra-rate-cap

Applies the SCRA 6% interest-rate cap to pre-service obligations upon written notice from the servicemember. Computes retroactive interest credit and the excess interest forgiven (never deferred) per 50 USC §3937(a)(2). Requires is_pre_service_obligation and servicemember_notified to be true for the cap to apply. Table: SCRA-50USC3937-2022.

MCP Call · compute_scra_rate_cap

{
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "name": "compute_scra_rate_cap",
    "arguments": {
      "original_rate_pct": 8.0,
      "loan_balance": 25000,
      "covered_months": 12,
      "is_pre_service_obligation": true,
      "servicemember_notified": true
    }
  },
  "id": 2
}

Servicemember Lending Protections