Important change to the Military Lending Act

The Military Lending Act (MLA) is a federal law enacted in 2006 to protect servicemembers and their covered dependents from excessively high interest rates on certain consumer agreements. The maximum interest rate a creditor may charge for these transactions is 36%, including most premiums and associated fees. Originally these protections only applied to payday loans, vehicle title loans, and refund anticipation loans; however, the new rules greatly expand coverage of the 36% interest rate well beyond the few original categories. Read the full post to learn more.


Legal assistance: Ensuring your important documents are prepared

Have you considered and, if applicable, accomplished the transfer of your Post 9-11 GI Bill entitlement to another eligible family member? Do you have a plan in place for the care of your minor children in the event you are deployed or unavailable for an extended period of time? Readiness is a constant duty for all of us. We relentlessly train, study and prepare for the challenges, real or envisioned, that we are likely to face in our chosen fields. Unfortunately, the same rigor is often not applied to our personal matters. Preparing to sail or fly into a hurricane is vastly different than preparing for that hurricane to hit your home. Ensure your family and property are prepared by getting your legal documents in order. Coast Guard legal assistance attorneys provide advice and counsel regarding personal legal issues to thousands of service members, dependents and retirees each year at no cost.


Cybersecurity notices to be issued June 8-19, 2015

Beginning June 8, 2015, and continuing through June 19, 2015, OPM will be sending notifications to individuals whose PII was potentially compromised in cybersecurity incident affecting its systems and data that may have exposed the Personally Identifiable Information. More than 8,000 civilian Coast Guard employees may have been affected.


OSMS and YOU: Legal

The legal program officer specialty code is awarded to those officers who are judge advocates in our service. The program is one of the most highly sought after specialty codes that delivers high-quality legal advice and support to the people who carry out the varied functions of the Coast Guard to ensure their missions, operations and activities can be achieved within the spirit, as well as the letter, of the law.


Protecting your identity; fraud and theft assistance

In the wake of a recent cybersecurity intrusion into the Office of Personnel Management data systems, potentially 4 million federal employees may have been impacted, including more than 8,000 civilian Coast Guard employees. Beginning June 8, 2015, those affected will be notified by email or official letter via the U.S. Postal Service. All notifications will occur prior to June 19, 2015.