HR 458 RFS 
(3) include any provision in the loan agreement, 
or in any other instrument or agreement made in 
connection with such loan, that purports to—
(A) waive any rights of the borrower under 
any Federal or State law, including this section 
and the Servicemembers Civil Relief Act (50 
U.S.C. App. 501 et seq.); or 
(B) provide the consent of the borrower for 
any action prohibited under paragraph (1); 
(4) at any time, use oral or written representa-
tions, or use any symbols, that suggest, give the ap-
pearance, or provide reasonable cause to believe that 
any component of the Armed Forces, the Depart-
ment of Defense, or any federal entity sponsors or 
endorses the military lender, any agent of the lender, 
or any good, service, commodity, or credit that is 
sold, provided, or extended by the military lender 
(unless expressly authorized in writing by such enti-
ty); or 
(5) if such loan is a covered loan, enter into the 
loan without disclosing, prior to consummation of 
the transaction and in conspicuous form, the fol-
lowing notice: 
‘‘NOTICE TO MILITARY SERVICEMEMBERS:
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‘‘You are not required to complete this 
agreement merely because you have received 
these disclosures or even if you have signed an 
application for an extension of credit. If you ob-
tain this credit to repay other loans, you may 
get into serious financial difficulties if you use 
this credit to pay off old debts and then replace 
them with other new debts. Before you complete 
this agreement, you should consider applying 
for credit through other organizations or enti-
ties. Interest-free loans or grants may be avail-
able from the Army, Air Force, or Navy-Marine 
Corps Relief Society, the United Service Orga-
nizations, or another base or military service or-
ganization for military personnel seeking short-
term credit in response to a family or other 
emergency. 
‘‘This extension of credit is not sponsored 
or endorsed by any component of the Armed 
Forces, the Department of Defense, or any 
Federal entity. 
‘‘Your lender may not garnish your salary 
or wages, or accept any assignment of or insti-
tute an allotment of your salary or wages, to se-
cure repayment of the debt, unless any such al-
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lotment or assignment is voluntary and may be 
cancelled by you at any time. Your lender may 
not contact your commanding officer or anyone 
in your chain of command in an effort to collect 
on the loan. 
‘‘You and your dependents may have addi-
tional rights and protections under Federal and 
State law with respect to this loan, including 
the Servicemembers Civil Relief Act, which you 
cannot waive and which the lender may not ask 
or require you to waive.’’. 
(c) RULE OF CONSTRUCTION.—No provision of this 
section shall be construed as—
(1) authorizing any person that is not a mili-
tary lender to engage in any activity that is prohib-
ited for military lenders under this section; 
(2) creating any inference that any activity de-
scribed in subsection (b) is a lawful activity for any 
person or would be a lawful activity for a military 
lender but for this section; or 
(3) creating any inference that any right or 
protection provided for consumers under any Fed-
eral or State law can be waived by any consumer. 
(d) ENFORCEMENT.—The provisions of this section 
shall be enforced under section 917 of the Consumer Cred-