AB 3212 – Service Member Protections

Compliance Bulletin

AB 3212, chaptered on September 19, 2018 and effective January 1, 2019, amends sections of the California Military and Veterans Code to expand protections for service members and reservists in the context of credit extension and collection. Many of the changes extend the periods of time during which service members are protected from collection activity, or allow service members to defer payments on certain types of credit.  The bill also requires lenders to acknowledge a service members’ request for relief, or to provide specific challenges to the validity of the request, within 30 days after the relief request is received.  In certain situations, the bill also imposes criminal liability on a lender that fails to comply with the requirements of the law. Please click here to view the Compliance Bulletin.