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The easiest, most cost-effective way to stay MLA Compliant

Verify and confirm if an applicant or customer is covered under the requirements of the Federal Military Lending Act by searching the Department of Defense database to check for active military status.

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What does it do?

The Military Lending Act (MLA) mandates special requirements for lenders extending credit to active duty military personnel, their family members and dependents, National Guard members, and members of a reserve component of the Army, Navy, Air Force or Marine Corps. Intentionally failing to follow these provisions can result in significant fines and possible imprisonment.

Can be utilized as a stand-alone report or easily added to a credit report. Additionally, it can be applied through batch processing to an entire database of candidates.


  • Confirmation of MLA “covered borrower” status
  • Most recent name and address of record for a submitted applicant

What is it used for?

Quickly identifying whether or not a candidate meets the requirements to be covered under the federal Military Lending Act. Used during the origination process for consumer loans, vehicle title loans, and tax refund anticipation loans, along with other types of credit regulated under the MLA.


  • Web Based
  • Batch
  • API
Bundle and Save MicroBilt Consumer Lending Report

iPredict is accessed as part of the MicroBilt Consumer Lending Report service, which allows users to submit a single request to MicroBilt's alternative credit platform to access its full suite of underwriting solutions. All or any combination of alternative credit products can be configured for delivery in the response, including: iPredict , BAV, ID Verify and MLA Verify.

Requests through this solution are supported by MicroBilt's Automated Decision Intelligence (ADI) platform, which enable users to configure product bundles, decision workflow, scoring thresholds and other user-driven rules.

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