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# Does the Military Lending Act (MLA) rule provide safe harbor?

To take advantage of the safe harbor rule, you must verify the status of the applicant and meet recordkeeping requirements.

- Determination
  - Verify the status of the applicant using MLA website.
  - Verify the status of the applicant using a statement, code, or similar indicator describing the status in a consumer report from a consumer reporting agency.
- Recordkeeping
  - After the status has been verified, create and maintain a record of that information in a timely manner.