Consumer Federation of America, the Center for Responsible Lending, Consumer Action, the National Association of Consumer Advocates, the National Consumer Law Center (on behalf of its low-income clients), and U.S. PIRG file this comment to the Department of Defense’s (DoD) Proposed Rule regarding the Military Lending Act (MLA). We appreciate the opportunity to respond to the DoD’s notice. We support expansion of the regulation beyond the current narrow definition of “consumer credit” to apply to many more forms of consumer credit than currently regulated under the MLA. The proposed rule will better protect our nation’s active-duty Service members and their dependents from predatory lending.