Servicemembers Civil Relief Act FAQs

If you're interested in requesting protection through the Servicemembers Civil Relief Act, but need more information, browse our frequently asked questions to learn more.

The purpose of The Servicemembers Civil Relief Act (SCRA) is to protect active duty servicemembers from financial and legal distractions so they can focus their attention on the defense needs of the nation. The SCRA also serves to provide for the temporary suspension of judicial and administrative proceedings and transactions that may adversely affect the civil rights of servicemembers during their military service. See 50 USC Appx. Sec. 502.

The SCRA protects regular and reserve members of the United States Army, Navy, Air Force, Marine Corps, and Coast Guard, including members of the National Guard, as they enter military service (active duty), as well as commissioned officers of the Public Health Service and the National Oceanic and Atmospheric Administration engaged in active service. Some of the benefits accorded to servicemembers by the SCRA also extend to servicemembers’ spouses, dependents, and other persons subject to the financial obligations of servicemembers. This determination will be made after receipt of supporting documentation.

The SCRA’s protections begin no later than when a person enters active military service. There are provisions which expand this coverage. Reserve and National Guard Component personnel, for example, are entitled to most of the Act’s “rights and protections” on the date they receive active duty orders.

The SCRA’s coverage usually terminates on the date the servicemember is released from military service. However, some sections of the SCRA provide extends the coverage period. For example, under the Interest Rate Relief Section, coverage for the 6% interest rate cap is extended one year after military service ends for obligations secured by real or personal property.

The SCRA provides an interest rate cap of 6% on eligible loans and lines of credit based on federal and state provisions. This cap includes the waiver of fees except for certain types of insurance such as bona-fide insurance.

The SCRA also includes a number of other benefits and protections including protection from foreclosure or repossession, protection from eviction, termination or residential and personal property of leases, and protection from default judgments. This is not a complete list of protections or benefits. For complete information, please consult with your appropriate military resources or an attorney.

Servicemembers or someone with the authority to request protection of behalf of the service member may apply for SCRA Protection. This generally includes a customer entering active duty for the first time, a service member on active duty, members of the Guard and Reserve who are entering active duty, or someone with a Power of Attorney who is authorized to represent the service member.

Servicemembers must submit a request for protection to Huntington in writing with a copy of their orders or other official documentation such as DD Form 4-series for enlisted members, and officers can submit a copy of their Oath of Office as proof. In addition, Huntington uses the Department of Defense DMDC to validate active duty information on Servicemembers. You can submit your documents by visiting a branch near you. Use the branch locator below to find a branch near you. Or you can fax or mail your documents to the below fax number or address:

Mail:

The Huntington National Bank
Attention: Customer Advocacy, SCRA Management
7 Easton Oval EA1W02
Columbus, OH 43219

Fax: (877) 674-6738

Once Huntington receives all documentation and verifies your accounts, you should receive a letter in the mail notifying you if your loan(s) are eligible for the interest rate benefit under the SCRA. Are all of my loans eligible for SCRA protection? The SCRA provides benefits on loans that were opened prior to the start of active duty. However, some states have extended the protection based on their laws. Huntington will make a determination based on the applicable federal and state law.

The SCRA provides benefits on loans that were opened prior to the start of active duty. However, some states have extended the protection based on their laws. Huntington will make a determination based on the applicable federal and state law.

There are several reasons why a request for protection under the SCRA would get declined. Some include:

  • The loan was opened after the servicemember entered active duty.
  • The request was received more than 180-days after leaving active duty.
  • The loan was paid off before entering active duty.

If your request for SCRA protection is declined, Huntington will notify you of the reason(s) by letter.

Visit the MilitaryOne Source website for more information on SCRA. This website is funded by the Department of Defense for members of the United States Armed Forces.

To request to take your vehicle out of the continental United State, you'll need to:

  • Provide proof of insurance information on vehicle.
  • Provide your commanding officer contact information, i.e. phone number and address.
  • Provide a copy of Permanent Charge of Station orders.

The request to take your vehicle out of the continental United States (CONUS) with official documentation listed above should be submitted by visiting your local branch, mailing the documentation or faxing to the address or fax number provided below:

Mail:

The Huntington National Bank
Attention: Customer Advocacy, SCRA Management 
7 Easton Oval EA1W02 
Columbus, OH 43219

Fax: (877) 674-6738


Still Have Questions?

If you can’t find what you’re looking for, let us know. We’re ready to help in person, online or on the phone.

Call Us

24 hours a day, 7 days a week.

(800) 480-2265