{"database": "press", "table": "releases", "rows": [["https://rosen.house.gov/media/press-releases/rosen-continues-effort-protect-servicemembers-and-their-families-predatory", "ROSEN CONTINUES EFFORT TO PROTECT SERVICEMEMBERS AND THEIR FAMILIES FROM PREDATORY LENDERS, CO-LEADS BIPARTISAN LETTER TO MULVANEY DEMANDING HE ENFORCE THE LAW", "2018-10-25", "2018", "2018-10", "Democrat", "House", "NV", "Jacky Rosen", "R000608", "rosen.house.gov", null, null, "legacy", "WASHINGTON, D.C. -- This week, Congresswoman Jacky Rosen (NV-03) joined Congressmen Connor Lamb (PA-18) and Walter Jones (NC-03) in sending a letter to Office of Management and Budget (OMB) Director and Acting Director of the Consumer Financial Protection Bureau (CFPB) Mick Mulvaney, expressing serious concerns over CFPB's exclusion of the Military Lending Act (MLA) from its routine examinations of lenders. Rosen, Lamb, and Jones led a bipartisan group of more than 40 Members of Congress in declaring that such action is an abrogation of the agency's clear responsibility to protect servicemembers and their families from predatory lenders. In August, Rosen spearheaded a similar effort to protect our men and women in uniform with her colleagues on the House Armed Services Committee. Shifting the burden of detecting and reporting MLA abuses or violations to the brave men and women serving our country, many of whom are overseas, rather than the very regulators who should be serving as sentries to protect those who protect us, is unreasonable and unnecessary, wrote Rosen and her House colleagues. The CFPB should utilize all of its authorities and continue to provide vigilant, effective consumer protection for our men and women in uniform. BACKGROUND: Since joining Congress, Rosen, a Member of the House Armed Services Committee's Military Personnel Subcommittee and the bipartisan Congressional Military Families Caucus, has supported numerous efforts aimed at providing our servicemembers, veterans, and their families with important resources through her legislative efforts:  \n\t\n \n\t\tKeeping Our Commitment to Ending Veteran Homelessness Act - This bipartisan bill introduced by Rosen would reauthorize several key programs that provide outreach and services to homeless veterans in Nevada and across the country.\n\t\n\t\n\t\tSolar VETS Act - Rosen introduced this bipartisan legislation in June. This legislation would direct the U.S. Department of Energy to implement a workforce training program to help prepare our nation's transitioning military personnel for careers in the solar energy industry. Rosen introduced the bipartisan bill with Reps. Steve Knight (R-CA), Tom MacArthur (R-NJ) and Tom O'Halleran (D-AZ).\n\t\n\t\n\t\tHire Student Veterans Act - Rosen introduced this bipartisan bill, which would expand the existing Work Opportunity Tax Credit (WOTC) to ensure that all student veterans using their GI benefits can take advantage of valuable paid internships or work opportunities while in school.\n\t\n\t\n\t\tMilitary Spouse Hiring Act - This legislation co-sponsored by Rosen would expand the tax credit for hiring veterans to military spouses.\n\t\n\t\n\t\tHomeless Veterans Families Act - Rosen is a co-sponsor of this bipartisan bill to allow the VA to pay a partial housing allowance to providers supporting homeless veterans who have children. Currently, the VA cannot reimburse the costs of sheltering dependent children of homeless veterans, and as a result, many providers will not accept veterans with children.\n\t\n\t\n\t\tSurviving Spouses Income Security Act - This legislation, co-sponsored by Rosen, increases dependency and indemnity compensation and benefits for Gold Star families.\n\t\n\t\n\t\tA bill to modify the presumption of service connection for veterans exposed to herbicides - This bipartisan bill, which passed the House and was co-led by Rosen, expands Agent Orange benefits to Vietnam War-era veterans exposed to toxic herbicide substances while serving in Thailand and their families.\n\t\n\t\n\t\tBurn Pits Accountability Act - A bipartisan bill co-sponsored by Rosen that would require the evaluation of the exposure of servicemembers and veterans to open burn pits and toxic airborne chemicals.\n\t\n Read text of the letter here and below: LETTER TEXT\nThe Honorable Mick Mulvaney\n\tConsumer Financial Protection Bureau\n\t1700 G St, NW\n\tWashington, DC 20552\nDear Mr. Mulvaney, We are writing in response to reports that the Consumer Financial Protection Bureau (CFPB) will exclude the Military Lending Act (MLA) from its routine examinations of lenders, weakening critical protections for servicemembers and their families. This is troubling because the CFPB currently has the supervisory, examination, and enforcement authority it needs to oversee institutions under its jurisdiction and ensure they are in full compliance with the MLA. Accordingly, we join our colleagues in the Senate, over a dozen Members of the House Armed Services Committee, and the more than forty military and veterans service organizations, urging you to ensure that active duty servicemembers and their families continue to receive all their due MLA protections. When Congress passed the MLA, the issue was clear: high-cost and predatory lending is a risk to servicemembers and military readiness. Department of Defense (DOD) studies have found servicemembers and their families are disproportionately targeted by predatory lending practices and determined that these practices pose a significant risk to our national security. The MLA curtailed these unjust practices, and Congress further gave the CFPB responsibility for regular supervisory examinations of lenders and institutions, checking to ensure soldiers' financial protections are maintained. Among the protections included in the MLA was capping the annual interest rate servicemembers and their families could be charged at 36%. Shifting the burden of detecting and reporting MLA abuses or violations to the brave men and women serving our country, many of whom are overseas, rather than the very regulators who should be serving as sentries to protect those who protect us, is unreasonable and unnecessary. The CFPB should utilize all of its authorities and continue to provide vigilant, effective consumer protection for our men and women in uniform. We therefore urge you to recommit the CFPB to protecting servicemembers and their families by continuing to include the MLA as part of the CFPB's routine examinations of lenders.\n\nSincerely,\n\n###", 1, "2026-03-30T12:14:52Z", "2026-03-30T12:14:52Z"]], "columns": ["url", "title", "date", "year", "month", "party", "chamber", "state", "member_name", "bioguide_id", "domain", "scraper", "source", "date_source", "text", "has_text", "collected_at", "updated_at"], "primary_keys": ["url"], "primary_key_values": ["https://rosen.house.gov/media/press-releases/rosen-continues-effort-protect-servicemembers-and-their-families-predatory"], "units": {}, "query_ms": 2.6857536286115646, "source": "dwillis/congress-press", "source_url": "https://github.com/dwillis/congress-press", "license": "MIT", "license_url": "https://github.com/dwillis/congress-press/blob/main/LICENSE"}