Removing Barriers Blog

DOD Extends DMDC Deadline
Posted February 02, 2016 by CUNA Advocacy

In response to concerns by CUNA and others, the Department of Defense has extended the deadline to request access to its Defense Manpower Data Center (DMDC) until February 15; the original deadline was February 1. The DMDC can be used by creditors to identify borrowers covered under the Military Lending Act (MLA).

Starting October 3, lenders will be required to determine the military status of applicants for many forms of consumer credit. The MLA places certain protections on covered borrowers, including a cap on annual percentage rates, so credit unions and other lenders need to know which borrowers are covered.

Credit unions wishing to use the MLA database/DMDC direct connection capability should email the MLA help desk at by February 15. All credit unions that may want to use the DMDC database should contact the help desk by the deadline. However, not all creditors that express an interest in using the database will be able to obtain access, due to technical limitations.