MLA 2020

Arizona has an obligation to protect military service members and veterans from financial predators. I've sponsored bipartisan legislation to ensure that those who protect our country are also protected from predatory loans and schemes that put both military families and our nation's military operations at risk. Financial trouble follows a family for years, and it can also put a service member's military security clearance at risk. 

The legislation I've sponsored will reinforce vital financial protections already in place at the federal level, and ensure that lenders in Arizona comply with all existing laws that protect our military families. This legislation also extends these critical protections to Arizona veterans one year post-service, helping make sure their transition back to private life is free from worry about financial harm to their families.

January 29, 2020 UPDATE:

HB2512 and HB2513 have been First Read and assigned to committees in the Arizona State House of Representatives.

Please contact the committee chairs and ask them to schedule HB2512 and HB2513 for hearings as soon as possible.

House Commerce Committee: Rep. Jeff Weninger, Chairman; [email protected]; (602) 926-3092

House Military and Veterans Affairs Committee: Rep. Jay Lawrence, Chairman: [email protected]; (602) 926-3095


HB2512:  consumer credit lending; military members

HB2513 financial institutions; examinations; military lending act



I introduced these bills because the federal Consumer Financial Protection Bureau has weakened oversight and protection against predatory lending for military service members -- a move that has been criticized by the Defense Department, Pentagon and every major group representing military service members. Forty-four state Attorneys General signed on to two separate letters expressing concern, including our own Attorney General Brnovich. 

HB2512 would codify the protections of the Military Lending Act into Arizona statute, AND would add the extension of the same vital protections to veterans one-year post service.

HB2513 would allow Arizona's Department of Financial Institutions to periodically examine lenders in Arizona for compliance with the MLA. 

I discussed these bills in the Veterans Caucus this week and there was resounding support. I've attached several articles, below, to highlight the broad concern over the weakening of the federal protections.

I hope you will help by contacting the committee chairs and encouraging hearings on these bills.

Thank you very much for your consideration.

Here's a link with additional information: 



Representative Kelli Butler

Legislative District 28 
House of Representatives
1700 W. Washington St.
Phoenix, AZ 85007
602-926-5156 office