The Military Lending Act (MLA) is a federal law that protects active-duty service members, their spouses, and certain dependents from predatory lending practices. It imposes a maximum Annual Percentage Rate (APR) of 36% on most loans, including payday loans, auto title loans, and personal loans. The MLA also prohibits lenders from using mandatory arbitration clauses or requiring you to submit to allotments from your military pay as a condition of the loan. The Kugel Law Firm can review your loan agreements to ensure they comply with the MLA and help you take action if they do not.