The Military Officers Association of America (MOAA) supports passage of SJRES 15 and Congress exercising their authority to prevent the Office of the Comptroller of Currency rule change regarding True Lenders from taking place. We have serious concerns regarding the implementation of this rule on consumer protections at the state level. Failure to disapprove this rule could harm MOAA’s members from NOAA, USPHS, and all reserve components, veterans and retirees, survivors, and their families. We recognize the need for clarity around this regulatory issue, and support a solution that focuses on closing the gaps in the OCC’s rule that continues to allow payday lenders to avoid state interest rate caps.