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Texas Appleseed strongly supports the U.S. Department of Defense (“the Department”) proposed rules to expand the scope of consumer credit covered under the Military Lending Act (“MLA”) to a wider range of closed-end and open-end consumer credit products. Establishing a definition of consumer credit that is consistent with the consumer credit products afforded protections under the Truth in Lending Act (“TILA”) will address important short-comings in the current MLA rules. It will also ensure that the MLA is achieving its intended purpose: to protect military personnel from “predatory lending [that] undermines military readiness, harms the morale of troops and their families, and adds to the cost of fielding an all-volunteer fighting force.”