,,ii  #aah? ,,congress  #b;d ,session   
,s4 #dajb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #aj1 #bjbd,mr4  
,oss(f 7= himself & ,mr4 ,scott (       
,florida7 introduc$ ! foll[+ bill2 :i* 0
 read twice & ref]r$ to ! ,committee on 
,arm$ ,s]vices  ,a ,,bill  ,to am5d     
title #aj1 ,unit$ ,/ates ,code1 to      
include tra9+ reg>d+ f9ancial           
protections "u ! ,s]vicememb]s ,civil   
,relief ,act 9 c]ta9 f9ancial lit]acy   
tra9+ programs = memb]s ( ! ,arm$ ,=ces1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,improv+ ,,scra   
,b5efit ,utilization ,act4  #b4         
,f9ancial lit]acy tra9+ reg>d+ !        
,s]vicememb]s ,civil ,relief ,act       
,section #iib ( title #aj1 ,unit$ ,/ates
 ,code1 is am5d$-- 7#a7 9 subsection    
7a77#a7-- 7,a7 by r$esignat+            
subp>agraphs 7,d7 & 7,e7 z subp>agraphs 
7,e7 & 7,f71 respectively2 &  7,b7 by   
ins]t+1 aft] subp>agraph 7,c71 ! foll[+ 
new subp>agraph 7,d73  7,d7 consum]     
f9ancial protections af=d$ to memb]s &  

_! dep5d5ts "u ! law1 includ+           
protections reg>d+ int]e/ rate limits "u
 section #bjg ( ! ,s]vicememb]s ,civil  
,relief ,act 7#ej ,u4,s4,c4 #cicg72  2 &
  7#b7 9 subsection 7d77#a71 by ins]t+  
7includ+ ) reg>ds to k & use (          
protections reg>d+ int]e/ rates "u      
section #bjg ( ! ,s]vicememb]s ,civil   
,relief ,act 7#ej ,u4,s4,c4 #cicg77 aft]
 prep>$ness4  #c4 ,notification (       
b5efits "u ! ,s]vicememb]s ,civil       
,relief ,act to s]vicememb]s call$ or   
ord]$ to active duty or to active s]vice
 ,section #aje ( ! ,s]vicememb]s ,civil 
,relief ,act 7#ej ,u4,s4,c4 #ciae7 is   
am5d$-- 7#a7 by /rik+ ! p]iod at ! end &
 ins]t+ 1 includ+--2 &  7#b7 by add+ at 
! end ! foll[+ new p>agraphs3  7#a7 at !
 "t a p]son fir/ ent]s milit>y s]vice2 &
  7#b7 9 ! case ( a p]son :o is a memb] 
( a res]ve compon5t-- 7,a7 at ! "t !    
p]son fir/ ent]s s]vice 9 ! res]ve      
compon5t2 &  7,b7 at any "t :5 ! p]son  
is mobiliz$ or o!rwise individually     
call$ or ord]$ to active duty = a p]iod 

( m ?an #cj days4  4  #d4 ,f9ancial     
in/itution obligation to apply maximum  
rate ( int]e/ on all s]vicememb] debts  
incurr$ be=e milit>y s]vice ,section    
#bjg7;b7 ( ! ,s]vicememb]s ,civil       
,relief ,act 7#ej ,u4,s4,c4 #cicg7 is   
am5d$-- 7#a7 9 p>agraph 7#b7-- 7,a7 by  
/rik+ ! cr$itor %all treat ! debt 9     
accordance ) subsection 7a71 effective z
 ( ! date on :i* ! s]vicememb] is call$ 
to milit>y s]vice4 & ins]t+ ! cr$itor   
%all--2 &  7,b7 by add+ at ! end !      
foll[+ new subp>agraphs3  7,a7 treat !  
debt 9 accordance ) subsection 7a71     
effective z ( ! date on :i* !           
s]vicememb] is call$ to milit>y s]vice2 
&  7,b7 treat any o!r obligation or     
liability ( ! s]vicememb] to ! cr$itor 9
 accordance ) subsection 7a71 :e!r or n 
su* obligation or liability 0           
specifically m5tion$ 9 a notice provid$ 
by ! s]vicememb] "u p>agraph 7#a77;,a74 
2 &  7#b7 by add+ at ! end ! foll[+ new 
p>agraph3  7#c7 ,submission ( docum5ts  
,a cr$itor %all provide all necess>y    

me*anisms to ensure t a s]vicememb] is  
able to submit any docum5ts requir$ 9   
ord] = an obligation or liability ( !   
s]vicememb] to be subject to ! int]e/   
rate limitation 9 subsection 7a7 ei!r   
onl9e1 by mail1 or by fax1 at ! election
 ( ! s]vicememb]4  4