Apply an SCRA rate cap

The Servicemembers Civil Relief Act can cap interest on qualifying pre-service obligations at 6% during the protected service period. The U.S. Department of Justice overview describes the protection and request evidence. LendEasy applies your legal-approved eligibility and timing policy; it does not infer coverage from occupation or a free-form note.

The protection restriction drives everything else

Applying the SCRA_MLA_PROTECTED restriction marks the verified protection on the customer, so affected actions are blocked or routed to manual handling.

curl -X POST "$BASE/v1/customers/412/restrictions" \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: demo-lender" \
  -H "LendEasy-Case: case_HBR_SCRA_2" \
  -H "Content-Type: application/json" \
  -d '{
    "restrictionType": "SCRA_MLA_PROTECTED",
    "loanRef": "7204",
    "source": "verified-service-orders-2027-01"
  }'

{
  "resourceId": 41
}

The case records the verification: service dates or open-ended status, whether the obligation predates service under policy, evidence type and reviewer, covered loans and parties, and the approved cap. Applying and clearing the restriction both write governance records.

Interest relief is delivered through the existing governed commands under the same case—an interest pause for the protected interval, a waive-interest command for excess interest already accrued—each with its own approval, accounting, and governance record. The restriction ensures no conflicting servicing action proceeds unreviewed in the meantime.

Illustrative 30-day comparison

Using Harbor’s $7,975.61 balance solely to illustrate the rate effect over 30 Actual/365 days:

contract rate: $7,975.61 × 13.25% × 30/365 = $86.86
capped rate:   $7,975.61 ×  6.00% × 30/365 = $39.33
                                                    ──────
illustrative difference                             $47.53

Production recalculation follows actual daily balances, payments, fees, prior waivers, and contract rounding, not one opening balance.

Relief is composed, never a single flag

The rate cap is not one field that quietly changes an interest rate. It is a composition of four effects that succeed or fail together, driven by the verified protection record:

• future accrual moves to the capped rate for the protected interval;
• prior protected interest is recalculated period by period from actual daily balances, with the excess forgiven as an explicit waiver component rather than an adjustment nobody can find;
• any resulting borrower credit is routed through the standard credit-balance disposition; and
• the result is all-or-nothing — if every component cannot commit, none of them reports completed.

A rate cap that applied the new rate but failed to forgive the excess would leave the account looking protected while the borrower still owed interest the protection was supposed to remove.

Expiry never retroactively restores interest already forgiven, and correcting the service interval is a new reviewed action, not an edit to the old one.

Restrictions and contact

Interest relief does not itself decide collection contact, default judgment, repossession, or other SCRA protections. Evaluate each relevant control separately from the verified protection facts—COLLECTIONS_HOLD or COMMUNICATION_HOLD where policy requires—so every block is explicit and clearable on its own basis.

Correction

If evidence dates or covered obligations change, update the case, adjust the relief through new governed commands, and clear or re-apply the restriction as the verified facts require. The original records and customer communications remain visible, and any collection or refund is separately authorized.