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Quickest way to get a MAPR with Statement of MAPR if you already have a TIL statement.

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Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percent-age rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). These fees can include:

Credit insurance

Fee for credit insurance.

Debt cancellation

Fee for a debt cancellation contract.

Debt suspension

Fee for a debt suspension agreement.

Credit-related ancillary product sold

Fee for a credit-related ancillary product sold in connection with the credit transaction.

Plan participation fee

Any fee imposed for participation in any plan. The MLA rule excludes an application fee charged by a Federal Credit Union, or an insured depositary institution, when making a short-term, small amount closed-end loan that is subject to and made in accordance with a Federal law. One application fee per rolling 12 month period is not included in the MAPR.

Other fees

Any other fees that should be included in the MAPR calculation. These fees can vary by lender, but at a minimum usually includes prepaid interest.

The Rule takes effect on October 1, 2015. Compliance will be required by October 3, 2016. There is a two-year exemption for credit card accounts until October 3, 2017.