The verifications DEERS supplies also ensure accurate delivery of federal benefits. However, the SCRA may not cover all these individuals. The DEERS database maintains information on uniformed service personnel’s active, retired and reserve members, their family members, and the DOD’s civil service personnel and contractors. Therefore, servicemembers should check the DEERS database to make sure their retiree status is accurate. Some benefits - such as TRICARE - as well as protection under the Servicemembers Civil Relief Act continue after retirement. These debts can take years to clear and rectify, if it is even possible. Loss of insurance benefits, housing, tuition assistance and much more can saddle servicemembers and their families with erroneous, staggering bills. This could prove an especially difficult situation in the event the servicemember is deployed and difficult to reach for any period of time. Servicemembers with incorrect records on file could experience interruptions in their benefits, or the benefits of their dependents. If the database is muddied with inaccuracies, the effect could be serious and widespread. Servicemembers should also make sure that their employment and active-duty status records, such as a call-up, re-enlistment or a move, is accurate. Military personnel must update their records whenever a life change occurs such as a divorce, birth or death. Servicemembers should periodically verify that the information in the DEERS and Defense Manpower Data Center databases is accurate. Update Defense Manpower Data Center Records These records are vital to innumerable processes, both for servicemembers and those doing business with them. National Oceanic and Atmospheric Administration (NOAA)Įach agency files a record with the Defense Enrollment Eligibility Reporting System (DEERS) database, which is maintained by the Defense Manpower Data Center.If you have further questions on these issues, please contact the authors or another member of our Consumer Financial Services team.Seven government agencies provide personnel reports to the DMDC: For more information on the Military Lending Act, please see our previous client alert. This direct access option is in addition to the safe harbor identification methods offered via the MLA database or through a national credit reporting agency. There is no cost to request access to the direct access service, and it does not prevent a creditor from later deciding to primarily use a different safe harbor identification method. As a result, if space is limited, the DMDC will conduct a selection process to determine which lenders are granted access. The DMDC has indicated that it may not be able to allow access to all lenders who request access. The questionnaire must be completed by February 19. Once a request is submitted, a questionnaire will be sent in response. In order to request direct access, lenders must send an email with their request to use the web service to the MLA help desk. The Department of Defense Manpower Data Center (the DMDC), the primary method for ascertaining whether an individual is a servicemember, is developing a web service that will allow lenders to connect directly with the DMDC at no cost to the financial institution. Alert Military Lending Act Update: One Week Left to Request Direct Access to DOD Manpower Data Center
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