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#2186612 - 07/24/18 04:12 PM Re: MLA/SCRA database link LoanCompliance
PStateBank Offline
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PStateBank
Joined: Nov 2008
Posts: 498
Texas
My IT guy is kind to me, he lets me have Internet Explorer, Firefox and Chrome. We are using IE 11.0.96, Firefox 61.0.1, and Chrome 67.0.3396.99

I can't make any of the three connect.
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Lending to Servicemembers (SCRA, JWNDAA), War, Terrorism
#2186617 - 07/24/18 04:24 PM Re: MLA/SCRA database link LoanCompliance
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
The only luck we're having is by going to the site via cell phone....that is seeming to work.
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#2186631 - 07/24/18 05:28 PM Re: MLA/SCRA database link LoanCompliance
Soccer Offline
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Joined: Jan 2010
Posts: 1,018
Utopia
^^
I tried to do that and got a warning that "this maybe a fake site"
So immediately closed out of it.
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#2186632 - 07/24/18 05:30 PM Re: MLA/SCRA database link LoanCompliance
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
We didn't get such a warning....and the site looked like it always did....we didn't actually do the status report pull though.
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#2186633 - 07/24/18 05:31 PM Re: MLA/SCRA database link LoanCompliance
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
So, what is everyone doing for now (if you rely on the website, i understand some use the credit reporting agencies)? Delaying your closings?
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#2186634 - 07/24/18 05:32 PM Re: MLA/SCRA database link LoanCompliance
raitchjay Offline
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Joined: Oct 2009
Posts: 8,727
OK
I guess i should add....we have some loan types (signature loans for example) that are often a one-day affair, application to close. Those are the types i'm talking about.
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#2186636 - 07/24/18 05:34 PM Re: MLA/SCRA database link K
BSAguy Offline
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Joined: Aug 2007
Posts: 285
Kansas
1-800-477-8227 is the MLA website's customer service number. I believe they use the term customer service jokingly. They had no desire to understand what I was telling them yesterday.
Last edited by BSAguy; 07/24/18 05:40 PM.
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#2186637 - 07/24/18 05:38 PM Re: MLA/SCRA database link raitchjay
BSAguy Offline
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Joined: Aug 2007
Posts: 285
Kansas
We are asking the borrower's if they know if they are subject to the Military Lending Act, and we are noting in the loan documentation that the website is not accessible.

As a side note, I called our OCC Field Office yesterday to ask if they knew anything. I was told that I was the first one to say anything about it. They weren't aware of the issue. They were going to check into it, but I haven't heard back from them.

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#2186639 - 07/24/18 05:40 PM Re: MLA/SCRA database link LoanCompliance
MTBDeb Offline
Junior Member
Joined: Oct 2016
Posts: 42
I'm not having any problems here: https://scra.dmdc.osd.mil/scra/#/home

But we did find out under advanced connections (on the page that tells you to return to safety), that the site has changed locations.

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#2186643 - 07/24/18 06:03 PM Re: MLA/SCRA database link LoanCompliance
robertm73 Offline
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Joined: Jul 2018
Posts: 2
800-477-8227 the support center

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#2186644 - 07/24/18 06:07 PM Re: MLA/SCRA database link LoanCompliance
Adam Witmer Offline
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Joined: Sep 2010
Posts: 2,622
BSAguy makes a good point. It isn't a violation to not check the database, though you would loose your safe harbor. 232.5(a) provides that a creditor may use their own method to determine whether an applicant is a covered borrower. Therefore, conducting due diligence, as BSAguy suggested, is completely permissible though it does loose a safe harbor. I'm not sure I would want to forego too many loans for the safe harbor, but that is going to be a management decision.


"(a) No restriction on method for covered-borrower check. A creditor is permitted to apply its own method to assess whether a consumer is a covered borrower."
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All statements are my opinion, not those of my employer, and should not be taken as legal advice.
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#2186645 - 07/24/18 06:08 PM Re: MLA/SCRA database link LoanCompliance
robertm73 Offline
New Poster
Joined: Jul 2018
Posts: 2
Just talked to support, ticket number 1633893, issues has been on going since Friday and they hope to resolve it by COB today

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#2186708 - 07/25/18 01:37 PM Re: MLA/SCRA database link LoanCompliance
BSAguy Offline
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Joined: Aug 2007
Posts: 285
Kansas
I still can't access the website. Getting the same error message as before.

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#2186719 - 07/25/18 02:05 PM Re: MLA/SCRA database link LoanCompliance
BSAguy Offline
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Joined: Aug 2007
Posts: 285
Kansas
From the ABA's Newsbytes this morning:

MILITARY BANKING
DOD Reports Technical Issue with MLA Database
The Department of Defense is currently working to resolve a technical issue with its Military Lending Act database after bankers reported receiving rejection messages when attempting to verify a servicemember’s status. DOD confirmed that an expired commercial security certificate on site the was the cause of the problem. While some users were unaffected, others reported being unable to access the database at all. Bankers experiencing difficulties with the database should contact the Defense Manpower Data Center technical assistance number at 800-477-8227.

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#2186736 - 07/25/18 02:52 PM Re: MLA/SCRA database link LoanCompliance
raitchjay Offline
Power Poster
Joined: Oct 2009
Posts: 8,727
OK
"Bankers experiencing difficulties with the database" who call that number should expect what exactly? "Yep...it's not working"...or something that's actually helpful?
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#2186749 - 07/25/18 03:22 PM Re: MLA/SCRA database link LoanCompliance
SonnyGirl Offline
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Joined: Feb 2004
Posts: 391
I just tried and was able to access through Explorer, Chrome and Edge. Looks like the issues may have been resolved?

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#2186753 - 07/25/18 03:30 PM Re: MLA/SCRA database link LoanCompliance
BSAguy Offline
Gold Star
Joined: Aug 2007
Posts: 285
Kansas
It's accessible for me as well.

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