New MLA Verification Site

Interesting discovery while reading about the MLA here, there is now an official site to generate a single MLA record. What is interesting is Reservists that are active 30 days or more get verified same as AD in this report. I ran mine and it gave me this letter and text:

This inquiry system has been designed to support identification of borrowers covered by 32 C.F.R. Part 232, which legally protects covered military personnel and their family members from excessive interest rates. This Federal regulation, which implements 10 U.S.C. 987, defines covered borrowers as: (1) A regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. 101(d)(6), (2) the member’s spouse, (3) the member’s child defined in 38 USC 101(4), or (4) an individual for whom the member provided more than one-half of the individual’s support for 180 days immediately preceding an extension of consumer credit covered by 32 C.F.R. Part 232.


This inquiry system checks the enrollment of individuals in the centralized database of identity, military medical eligibility and enrollment, and benefits verification data on members of the DoD Components, members of the Uniformed Services, and other personnel as designated by the Department of Defense, and their eligible family members (called the Defense Enrollment and Eligibility Reporting System (DEERS) database).


The Defense Manpower Data Center (DMDC) is the Department of Defense organization that maintains the DEERS database. The data in DEERS is sent to DMDC from the Uniformed Services and DoD Components. The data is as current as the information received. The DEERS database can consistently identify most individuals included in the definition of covered borrowers with the exception of (4) above: an individual for whom the member provided more than one-half of the individual’s support for 180 days immediately preceding an extension of consumer credit covered by 32 C.F.R. Part 232. Some covered borrowers in this category may not be included in the database.


This certificate was provided based on information provided by the requester. Providing an erroneous last name or SSN or date of birth will cause an erroneous certificate to be provided.


I wish I knew more about the reservists, but I would encourage any of you reserve members to run this report during different times of your activation to see what reports come out.

-Derp

4 thoughts on “New MLA Verification Site

  1. Gojira says:

    The statutory requirement referenced on the MLA verification page are:

    This Federal regulation, which implements 10 U.S.C. 987, defines covered borrowers as:
    (1) A regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not
    specify a period of 30 days or less, or such a member serving on Active Guard and Reserve duty as that term is defined in 10 U.S.C. 101(d)(6), (2) the
    member’s spouse, (3) the member’s child defined in 38 USC 101(4), or (4) an individual for whom the member provided more than one-half of the individual’s
    support for 180 days immediately preceding an extension of consumer credit covered by 32 C.F.R. Part 232.

    For members of the Navy Reserve, FTS are eligible since they’re always on active duty and SELRES who are executing ADT (>30 days), ADSW, MOB or definite recall orders would be eligible. For those SELRES who are eligible, my assumption is that it would only be during the time period that they’re executing active duty orders. So if someone is on 90 day ADT orders, they would need to apply for a card or cards during that 90 period.

    Do you know if card issuers validate MLA eligibility on an annual basis? If so, there’s still money to be made for Reservists who leverage applicable active duty periods to their advantage.

    • uiucderp2011 says:

      Amex does every year in the month of April.

      • Patrick Dickman says:

        Are you sure about this? I am slightly new to this website but I’m only an O2 so what do I know but Reservist here. I went to BOLC/OBC back in 2015 and got two AMEX cards and the fees waived. Never went on active duty orders for more than 14 days ever since and all my fees were still waived. Chase on the other hand, the moment I got out of BOLC/OBC, I got a letter saying my fees would be hitting the month after so I downgraded my chase cards with annual fees.

  2. troynewman says:

    Extremely curious about the reservist portion as well. Following

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