Hi, I am new to lending compliance and this lends itself to ask dumb questions.

With regard to SSCRA and the impending doom, if a serviceperson
doesn't inform the lender that they are going "active", and we
do not reduce the rate accordingly, when the service person
returns (hopefully) from active duty, must we then
reimburse for any excess interest paid by the serviceperson?
Can we be fined for non-compliance?

I know that sounded awful, but I am sure all you smart ones know what I am
referring to?

Similar question.

Thanks Andy, that did the trick!