I am trying to write an audit program for SCRA. When I am looking at lines of credit (HMEQ, personal, or Overdraft (tied to checking accts), are the 6% cap and payment reduction provisions applicable to only the balances in the account pre-active duty or is it for balances going forward, For example: HMEQ line has a $1,000 balance pre-active duty Another $1,000 is drawn on the acct after actve duty date making the balance $2,000. Are the caps applicable only to the $1,000 or entire balance?

The SCRA protections apply to pre-service debt.